BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2016-12-12
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Company: DISCOVER BANK
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
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: Was not notified of investigation status or results

Complaint:
I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since XXXX and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.

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 2016-07-25
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Ocwen Loan Servicing XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Filed a complaint aganist Ocwen Loan Servicing about the wrong doing 's, with the deed in lieu and the sale of the house. It was sent to them. On Saturday XXXX/XXXX/2016, I get a notice that Consumer Ombudsman will review and respond by XXXX XXXX. And in the same mail I get a notice saying that my loan is being transferred to a new servicer on XXXX XXXX, 2016 XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX Now that they have falsified papers and been caught. I want the transfer to be stopped them to keep the loan and settle this. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( XXXX ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by Ocwen for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing took over my XXXX XXXX. received my automatic payment from my bank, Regions for 2-yrs or so. then said I was 2-yrs in behind on my mortg. That was the begining of the nightmare. They reported false reports to the credit bureau. XXXX XXXX XXXX investigated my case to clear up my credit for refinancing my loan. XXXX XXXX XXXX caught them in a lie and they hay to contact the credit bureau to remove the false information. The loan balance was a little over XXXX. They jacked it up to over XXXX to prevent me from receiving the VA loan. To get the VA loan I had to pay the jacked up amount or miss out on the refinancing for Veterans. XXXX XXXX XXXX personnel are able to verify the hardship and ripoff tactics that my family had to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CSO Financial
State: OR
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:
This is a matter of false claims and it does have to with other violations that have been committed here and everyone also involved in this matter.as documented evidence proves which I am more then happy to sit down to discuss this with an agent like I have with the OIG because since there is fraud alleged here and a lot of retaliation has occurred here it would be best for me to meet with and sit down with a federal so the agent can see for them self to what is going on here and what I have been through to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent {$2200.00} dollars to XXXX XXXX of XXXX Missouri for a car that was supposed to be delivered to me within XXXX days. I never received my product. Therefore, i got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015, I, an XXXX year old resident of XXXX XXXX was a victim of a telephone scam in which I was cheated {$1300.00}, which money I forwarded by XXXX, XXXX, XXXX to the XXXX XXXX, reference # XXXXThe call was by a so-called- XXXX of XXXX which prompted me to send the money was that a great nephew of mine was involved in a traffic accident in XXXX XXXX Ga, and neededthe money for bail. Instructions were given precisely go to the XXXX .XXXX and send the money within XXXX hours. I was shocked an confused and wentimmediately to XXXX XXXX and gave the clerk the money. No questions wereasked by the clerk, or questions asked about the money going out of the country. I havesince contacted the XXXX Attorney Generals XXXX to report the scam, and am awaitingtheir reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a XXXX XXXX with Carmax Auto Finance Account # XXXX. 

I use a service called XXXX who charges my credit card and then writes checks on my behalf. Since I started this loan in 2017. XXXX charges my credit card on the XXXX of every month and the checks are deposited on the XXXX. On 6 different times over the course of the loan I have been told by Carmax whether it be collection agencies calling or letters written stating that I'm late or haven't paid. Each time I have to go through the process of providing them Bank statements and check numbers ( which I get from XXXX ) in order to show payment. Each time Carmax determines it was an error on their part and everything is cleared up. It continues happening time and time again. My belief is that Carmax is trying to scare or bully me in to making multiple payments on my account. They call me at all hours of the day and night and send multiple letters to my home each time. I wish they spent as much time investigating their own business practices as they do harassing their customer. I wish I was able to move on from them, but they have the loan on my vehicle so what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports

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 2016-09-14
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Emergency room physician bill wasnt paid initially due to billing error ( he was hit by a car on his bike, they billed his visit as a headache ). After speaking with the billing company and insurance, bill was paid XX/XX/2016. Equifax and other credit reporting agencies listed the bill as unpaid, after a debt collector reported it to them XX/XX/2016. I have repeatedly sent the debt collector copies of the EOB from the insurance company indicating that the bill was paid, and contacted the billing company ( XXXX ). I called the debt collector again today, who said to fax the info to them. I tried to fax it, no one answered the number they gave me. They wont discharge this on his credit report, they wont accept the fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: RGS Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an affidavit requesting a purchase agreement from XXXX communications validating the debt held by XXXX XXXX. It was delivered XXXX and its been well over the 30/45 days threshold to be verified. It was for {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have attached all the documents regarding my dispute claim against M & T Bank with respect to mortgage account number XXXX. 
Please be advised that I was never made aware, either by M & T representatives, whom I was in constant daily telephone contact, or the home appraiser, that I was responsible to pay the cost of {$38000.00} for the home appraisal. I only became aware of the charge the following month when I saw the charge added to my monthly mortgage payment. Since then I have been approved for a reverse mortgage and the balance of the mortgage loan has been paid off, and the service fee charge for the home appraisal was added to the paid off amount I want to be reimbursed for the unauthorized charge. Please let me know I you require additional information, if not please process my claim against M & T Bank As Soon As Possible. Thanking you in advance. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We met with an employee ( relationship banker ) at M & T who calculated our eligibility for a home equity line of credit to be {$40000.00}. She assured us that with our excellent credit processing was a mere formality. After delay in hearing about our line of credit I stopped into the bank and was told that she had " miscalculated '' and we were only eligible for {$12000.00} line of credit.

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 2015-05-12
Company: Western Portfolio Assets
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.

Company response to consumer: Closed
Consumer complaint received 2016-10-26
Company: Revenue Recovery Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Revenue Recovery Corporation creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

Revenue Recovery Corporation, did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

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