BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owned {$12000.00} to XXXX Account # XXXX. Midland Credit Management Inc. acquired this account.Their # XXXX and advertised a payoff of {$3600.00} I paid this amount in full. They issued a statement " This account was satisfied on XX/XX/XXXX and you have no further obligation on this debt ''. This XX/XX/XXXX I received a XXXX for the balance {$8400.00}. I have written documentation on all my words made here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. 
When I called the medical office, their automated service told me there was no balance owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was never given an option for an income based payment plan. I was forced into default and forfeited several years of tax returns on top of bad credit because of my inability to pay an amount that I could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a victim of Identity theft. My bank account has been Hacked online banking. My money was stoled out of my bank account from TCF bank in XXXX and XX/XX/XXXX, The Huntington National Bank took over TCF bank. {$120000.00} was wire taken out of my savings and checking account. 
Dates shown the money internet wire stoled are : {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$8400.00} from XXXX XXXX XXXX XX/XX/XXXX {$16000.00} from XXXX XX/XX/XXXX Two Forgery Checks cashed sent to me : check no. XXXX XX/XX/XXXX {$7300.00} check no. XXXX XX/XX/XXXX {$4500.00} I have Never made any of these transactions listed here that The Huntington National Bank said that i did. I have signed a sworn Identity Theft Affidavit given to The Huntington National Bank, stating all facts true full!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: R & B Corporation of Virginia
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Moved from XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX would not cancel internet in advance and account would remain open until equipment was returned and processed. There was NO LOCATION to return equipment in person ( ALL were closed ) ; there were NO SHIPPING MATERIALS received to mail. We incurred a debt past service, past the date we MOVED from the location. Was not our debt since we tried to cancel in advance. 
The debt is for {$240.00}. 
In XXXX of XXXX, our Mortgage Company contacted us with financial improvement and suggested we pay a Credit Control Corporation ( CCC ) debt on my Credit Report for XXXX XXXX. They asked that we provide a LETTER OF DELETION from the Credit Bureaus/Credit Report AFTER the payment was made. 
Credit Control Corporation, on XX/XX/XXXX, said they do NOT own the debt, they do NOT provide Letters of Deletion to consumers, but could provide a receipt, showing confirmation of amount of Payment TO CCC ( Not Frontier ). They could also send a letter via USPS ( snail mail ) reflecting Payment in Full. I was uncomfortable paying a collection agency who doesn't actually OWN this debt. 
I then called XXXX XXXX. They were willing to accept payment but verbalized ( on XX/XX/XXXX ) that they would NOT clear it from the Credit Bureaus and it would remain for 7 years from XX/XX/XXXX. 
I would like this collection removed from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # 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 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 2017-01-24
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.

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 2022-03-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very concerned about my current mortgage company PHH mortgage. I have been on the forebearance plan since XXXX of XXXX. XX/XX/XXXX I was given the option for the three month trial payment. I asked PHH if they can work with me on lowering my payment with a modification. It is now XX/XX/XXXX and they just turned me down. They told me they cant qualify me for a modification. I also got turned down by california mortgage relief, because my original loan amount was over the XXXX. I been trying to get help, but PHH has got me in circle. I call them every week, they ask me for my profit and loss statement, I will send all documents, than I would get a notice, that I had sent the wrong items, when I did exactly what the last customer service representative asked me to do. This has been going on for months and months now. I would get transferred to so many customer service representatives that were out of this country. I would hear roosters in the background to the point, the representative from PHH is asking for my acct number 10 times. Now, i am a bad position, because not only will they want me to pay them the XXXX to bring my payment up to date, they wont lower or work with me on my payment. the last representative I just talked to, told me " I better hurry up and make a decision, or foreclose or sell your house. '' PHH mortgage is not helping me at all. They recording saying " Helping homeowners is what we do '' that is not a valid statement. I have been paying this mortgage for 10 years on time. I just needed help. I had to deal with my moms death during covid, i am taking care of a son that has drug addiction issue, and a dad that has no foot, XXXX and I have too many responsiblities. i really feel that PHH had drawn out this process so they can foreclose on me on purpose. They have no sense of urgency to give me an answer. I finally get an answer of NO, sorry after months of trying to get help. I even told them, I could ask my dad to borrow money from his pension, but they never even mentioned, if maybe I can get help. I was under the impressions from XX/XX/XXXX that their intent was to let me keep the home, not to trick me into believing they wanted to help me. no help at all. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX XXXX, ( 3rd party collection agency ) acted in a very predatory manner. I found out I had a judgement placed on my credit XXXX XXXX XXXX ' ) by doing an annual credit check in XXXX XXXX '. Once I noticed this on my credit I reached out to XXXX XXXX XXXX. Immediately following my call, XXXX XXXX XXXX placed a garnishment on my wages. The problem is XXXX XXXX sent all court correspondences to my old address from 2013 in XXXX, NC. I had since lived at XXXX different addresses all in Virginia including the address that I was evicted from. After reaching out to XXXX XXXX XXXX XXXX XXXX ' they racked up {$5000.00} dollars in charges on my account and are garnishing XXXX % of my disposable income at {$1000.00} per month. I am a hardworking citizen and right now I am in another position for being evicted as well as defaulting on school loans, auto-loans and such forth. I had no clue about court dates or never received calls or correspondences as attempts to collect a debt etc. XXXX XXXX XXXX told me that they got the XXXX,. NC address off of an " credit report '' which on any recent credit report, has that address listed as it should be and it 's clearly not my last known address. The staff at this company has been rude and mis-leading. They have not come forth with information or ways to assist me, they have simply cut me off, given me shortened answers deferred my questions to their " legal department '' ( A manager named XXXX ), and they will not share any copies or paper trails of information concerning my case and the steps they took to contact me with alternatives to garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: MI
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 SENT 5 DISPUTE LETTERS TO EQUIFAX FOR FRAUDLENT ITEMS REPORTING ON MY REPORT AND HAVE YET TO HERE FROM THEM MY CREDIT STILL LOOKS THE SAME AND THEY ARE STILL LETTING SOMEONE APPLY FOR THINGS IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My separated wife took out a personal loan using my social, I never signed for nor spoke with any agent for this loan, never applied for this loan and never authorized this loan. Now they have blocked both myself and according to her, she is blocked as well. I need the loan disclosures to prove that this is in fact true and they have blocked anyone that can have access to this ; effectively stopping me from my ability to access my own information. Talk about lack of accountability and out right cover up!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} XXXX XXXX ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}

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 2022-07-18
Company: AES/PHEAA
State: UT
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:
My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. 

Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX  from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX  XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX  and well over the 120 payments required for the PSLF program. 

I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX  XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX  and student loan repayment have been deemed arbitrary. 

Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am currently unemployed, and having difficulty making payments to Navient. I just found out that they have been calling and harrassing my previous employer, for whom I have n't worked for over 2 years. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These inquries are misleading and there is inaccurate information associated with them. There is unauthorized use of my name and likeness, and i would like these removed

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