BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my 2nd complaint against Equifax Information Services. I contacted them 4 times prior to filing a complaint on XX/XX/22. Equifax is failing to comply with FCRA Sections 611, 616 & 617. Equifax is reporting an account in error & when I filed a complaint they passed the buck back to the data furnisher & closed the complaint in 5 days. They DID NOT INVESTIGATE OR PROVIDE ME WITH ANY VERIFIABLE PROOF OF THE INVESTIGATE. This is a strict violation of FCRA laws. I need them to be held accountable for failing to comply with FCRA laws. ...

Here is my previous dispute- Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Application for loan forgiveness completed XX/XX/XXXX for loan taken XX/XX/XXXX denied XX/XX/XXXX page 3 section IV Of my application for forgiveness I indicated I DO NOT hold a XXXX XXXX XXXX or XXXX  and XXXX XXXX XXXX FAILED TO INFORM me that this would inhibit my ability to utilize my education to find employment. This would fall under the Borrower Defense Regulation for : False Certification of Ability to Benefit Discharge however my application was still denied and I was also informed that I do not have access to my educational transcripts proving that these units were completed so that I am be able to prove that I attended this school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: YES AUTO CREDIT
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ). 

MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent. 

While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer. 

I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive.

I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit. 

At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment. 

Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX. 

I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX. 

I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX   and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information. 

I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account. 

Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experience is still adding inaccurate information on my report. They will not take them off claiming they have verified the accuracy of the information but will not provide me with the information they have. The only account that should be on my report is XXXX. All those other items are inaccurate or was supposed to be billed too my insurance, I provided my insurance information so that those companies could bill my insurance for emergency services but the charges are still on my report. Can someone do something to make them take this information off and not add anymore unless the have the correct information.

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2017-08-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX, I went to Walmart in XXXX, NC to make an international XXXX transfer to XXXX in the amount of {$300.00} USD. I paid {$300.00} including the transfer fee. When the recipient went to pick up the money with their ID at XXXX services at a local Honduran bank, they were told that the sender needs to call and verify. The following day, XXXX XXXX, XXXX, The agent at Walmart called XXXX for me and was informed that the recipient must call to verify, not the sender. I then told the recipient to call and verify and after doing so, they said now please have the sender call again to verify. On XXXX XXXX, XXXX, I called again and was informed that no, I am verified, the sender is verified, but the XXXX agent in XXXX has to call on behalf of the recipient to verify. The recipient went back to the bank and spoke with a XXXX agent who insisted this is a mistake from the XXXX services on the XXXX side said the sender is the person that needs to call and verify. They absolutely refused to make any calls neither for the recipient nor to XXXX. I went back to Walmart where I made the initial transfer and the same Walmart associate who had helped me before called XXXX to inform them of this situation and request a refund. She was told that they will not release my money not even for a refund unless the Honduran XXXX agent calls them. She transferred the phone to me and after explaining it to them again, they told me if the bank does n't want to call then please have the recipient call, once again, to verify. 
XXXX has given me many different numbers to call that I, the recipient, and the XXXX Walmart associate have been calling to resolve this and keep getting the runaround. After calling these numbers numerous times about this situation, I no longer want to deal with their customer service. They are now holding my money indefinitely and will not release it even though both I and the sender have already been verified. I have used their service many times before and never had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-03
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
two wire transfers were done yesterday and neither one is in my coinbase account yet Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID :  XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00} Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID : XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: PARKS TITLE COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In XXXX 2008 XXXX and XXXX were constantly stopping by my property and sometimes had the XXXX police asking me to move out because XXXX XXXX had purchased the property for XXXX and they presented a covenant deed as evidence and claim that parks title company conducted the transaction. 

I recently were informed by XXXX that they were doing a release of the lien and provided me a case number. I politely left a message for amaze of this and he taken it as a threat and filed in XXXX county court against me case XXXX. In these pleadings and a statement to XXXX police he indicated that he purchase the property legally and he has legal documentation. 

Please provide to the CFPB the legal documentation that XXXX claim he has under your title company at XXXX XXXX XXXX XXXX, michigan 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 2022-08-30
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation