BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: PHH Mortgage Services Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was contacted by XXXX XXXX, manager of underwriting for PHH mortgage company and he left a few messages on my phone. I finally called him back on XXXX XXXX, 2016. He had asked why I had not filled out the mortgage modification form from the Making Home Affordable program which would give me 3 trial payments and then an official modification. I replied that I had received nothing and that I was not actively seeking help with my mortgage, though I needed it badly. Though I make payments to my mortgage every month, I have been consistently late paying my mortgage and my account being flagged for a modification did not seem that far of a stretch. I had many late fees but never let a month go without making a full payment. I asked him a couple of test questions that only my servicer should know and he was able to answer them. We talked and I asked him some more questions to see if he really had any information on me and that he was who he said he was. When I received the paperwork from him through company email I was convinced that he may be from PHH and actually is offering a modification. The paperwork was spot on and looked like something I would receive detailing the payments and when they are due and what to expect through the modification process. Because I was already late making the 1st mod payment the only way to backdate the 1st payment to reflect on time payments was to wire the money ( XXXX ) to his HAMP manager XXXX XXXX in Indiana. He, XXXX XXXX, informed me that I do not need to make payments to PHH and that any defaults will be cured when all the payments are made and submitted as paid on time through the modification program. ( I was tricked, however not dumb enough to stop making my payments and therefore did not default on my loan ) On XXXX XXXX, I submitted the final 2 payments early through XXXX ( recipient XXXX XXXX in South Carolina ) as well, for a total of {$2400.00}. I was supposed to make 3 payments of {$1200.00}. After all payments were made I was then informed there was a {$990.00} fee that needed to be paid for admin fees. At this point I terminated the call knowing it was a scam. No HAMP manager would ask me for money to do a modification, especially AFTER the trial payments were made. They also stole mine and my wife 's social security numbers. They sounded like they were from XXXX or some XXXX country and they masked their phone numbers to appear like they were calling from my mortgage servicer. The direct line I used to contact them was XXXX, which I believe is now disconnected as of yesterday XXXX XXXX, 2016. I have all documentation and recorded all phone conversations with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX XXXX XX/XX/XXXX {$3200.00}, XXXX XXXXXXXX Bankruptcy XXXX XX/XX/XXXX {$0.00}. Inquiry : XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

Transunion removed account according to do XXXX and Transunion.com Dispute file number:XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX XXXX {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ZWICKER & ASSOCIATES
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Zwicker and Associates dropped off paperwork to my significant other, handing him a copy of the legal filing - unsealed, unstapled, and completely visible. In doing so, they disclosed this filing to my significant other, potentially in an attempt to embarrass and pressure me. This disclosure is illegal and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Pinnacle Credit Services, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I found out that a XXXX XXXX account was opened using my social security number. I also filed a police report on XXXX XXXX, 2013 stating such. This debt has been sold to multiple collection companies over time. Pinnacle Credit Service has reported this on my XXXX report without validating the debt, which is a violation of the FCRA. I have sent multiple letters, which has included the police report to Pinnacle or their associates, in which the collections will then change hands. I am extremely upset that this company is willing to report such damaging items on my credit report without validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter on XX/XX/2020 from HRRG OFFERING {$630.00} TO CLEAR MY DEBT. HAD CALLED HRRG EARLIER IN THE DAY BEFORE RECEIVING THE LETTER AND SPOKE TO XXXX, OR XXXX AND SHE STATED THEY SENT A LETTER OFFERING US TO SETTLE FOR {$650.00}, ( WHICH I ACCEPTED AND PAID ) AND THEN I COME HOME AND THE LETTER STATES THE SETTLEMENT WAS FOR $ XXXX..SHE MISREPRESENTED THE COMPANY AND USE FALSE AND MISLEADING CLAIMS TO GET US TO PAY MORE THEN WHAT THEY OFFERED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Nationwide Intermediary Services llc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Initial Complaint :  XXXX  USAA provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on   USAA.com.
Everything   listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  USAA more than twenty " 20 '' times ( prior to my CFPB complaint ) regarding this issue via telephone, USAA.com, and fax. Moreover, I specifically informed USAA tha t my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a USAA representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Sullivan Asset Management, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with XXXX XXXX a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. 
I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his XXXX at XXXX XXXX and the true company Sullivan Assest Management has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his XXXX XXXX XXXX and refused to give his address or contact information. I was informed to call XXXX XXXX, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is Sullivan Asset Management and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about $ XXXX {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are a series of unverifiable items on my credit report that need to be removed asap. It is affecting and impeding my ability to borrow. 

I have attached the letter that I have sent via FAX to the XXXX with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a agent call me from  XXXX   XXXX   XXXX  to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening i have new exhibits to submit. i am requesting the description of reinvestigation of the procedure from Equifax who claim these accounts are verified im currently being violated by Equifax! they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Accelerated Financial Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: PERSIAN ACCEPTANCE CORP
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My car. Was repossessed after 5 year ayments The car. Was. In AccidentAccident while. It. Was. In. An accident. Car. Malfunction ed. Went. Into. A tree. The. Insurance co. XXXX paid. The. Finance. Company {$1500.00} Dollars. sl

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Nationwide Biweekly Administration, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed up for Nationwide Biweekly Administiration 's program. The program was to reduce my interest payments, and the length of my loan by withdrawing half of my mtg payment twice a month, effectively making one additional payment a year to be applied to extra principle. Implicit in this arrangement is that this program is to be in effect for the duration of this loan, as the purpose is to reduce the length of the loan. My service was suspended in XX/XX/XXXX and has not resumed, false promises were made that the program would resume in XX/XX/XXXX. It is now XX/XX/XXXX. They have ceased ALL communications and will not answer my e-mail. When I call on the phone, I get a CSR parroting lines from a script. They have collected the full fee for their services and have not delivered. They have flat out said they will not refund anyone part of the fee. Now I find this article that a complaint has been filed against these crooks. I would like to add my name to the list of people who are due compensation from this crooked company.

Company response to consumer: Closed with explanation