BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a modification on my home mortgage since XXXX XXXX I have done the process five times each time it is denied because paperwork requested The last two times it was denied for not returning paperwork there were still a few days left according to the request documents to turn the papers in still when the deny was made Here are dates and detail to follow I feel I am being discriminated again and mislead and lied to by this company XXXX XXXX sent first Application sent documents said I work hear by late XXXX. Never heard anything XXXX secondcalled to check status. Told it was denied for requesting documents not turned in XXXX XXXX Application third XXXX XXXX I recieved letter stating recieved appXX/XX/XXXX Financially complete XX/XX/XXXX Decision made by XXXX XXXX XX/XX/XXXX letter request documents sent in by mail Said they never record XXXX XXXX letter denial documents not turned in XXXX XXXX sent third app certified so they couldnt say they didnt recieve it XXXX XXXX letter stating recieved app XX/XX/XXXX its complete decision made by XXXX XXXX Called XXXX XXXX and XXXX to check on modification could not get through to anyone It kept sending me to a modification department and the line would then disconnect my after a thirty minute hold several times XXXX XXXX I email customer service with my issues XXXX XXXX sent back forbearance documents requested XXXX XXXX sent in requested form and other requested documents XXXX XXXX they requested the income and other documents and gave till XXXX XXXX for documents return by date XXXX XXXX sent requested documents XXXX XXXX XXXX sent denial letter for not turning in documentation I still had till XXXX XXXX according to the letter they sent but denied it and told me I again had to start over I sent in Application fourth XXXX XXXX letter stating recieved App XXXX XXXX facially complete XXXX XXXX Decision made by XX/XX/XXXX XXXX XXXX second additional papers requested. Paystubs turn in date of XXXX XXXX XXXX XXXX sent in doc via email XXXX XXXX talk to XXXX she confirmed they had the documents Thats what I sent was alll that was being requested The phone call was recorded around lunch time XX/XX/XXXX letter of denial for not proper paperwork and again I had till XXXX XXXX to turn in documents so they still denied it before the time frame and I had confirmed it was there and complete days before I have called twice and when I ask to speak with a manager because they told me I needed to start over again I get sent to a voicemail for a person that didnt call back also tried emails on XXXX XXXX and XX/XX/XXXX no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, my name is XXXX XXXX. 
On my Credit Report is showing that I owe XXXX XXXX XXXX {$520.00}, I spoke to them several times ( more than XXXX I believe ) and all they do transfer me from one department to another ... .they have no idea what am I talking about. I went to XXXX XXXX XXXX office twice, they told me they will resolve the problem. Up until today it 's still showing on my TransUnion Report, but back in XXXX 2014, I agreed on paying them {$270.00} and they XXXX told me going to close the Collection. I wish I never settled with them because the charge was wrongful to begin with. I work in Finance, and my partners told me it 's my mistake to settle with them. 
XXXX even sends me appreciation letter for being such a loyal customer. I ALWAYS PAID MY ACCOUNT IN FULL AND ALWAYS RETURNED EQUIPMENT WHEN I WAS MOVING. Today I googled XXXX phone number XXXX XXXX XXXX XXXX which is showing on my credit report, I assumed its a collecting agency ( but still Original Creditor says is XXXX XXXX XXXX ). To XXXX agent I 've provided my ss # and my name and they found no information, nothing! Earlier today I also contacted FCC.gov who were not able to help me either. I am so extremely upset because its significantly affecting my credit score and this collection does n't even belong to me. I am looking forward for your response, and do n't think I need to start legal action against this matter. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
When financing our vehicle we took a loan from Fifth Third Bank. On our Simple Interest Note and Security Agreement we paid XXXX dollars to Public Officials and XXXX dollars for Title Examination. Once we satisfied our lien in full we received a letter from Fifth Third Bank stating that in order to receive our title we must go to The Ohio XXXX and PURCHASE the title due to the fact that Ohio is a state which produces electronic titles. 
Ironically, one week before receiving Fifth Third 's letter we had just satisfied our lien on another car that we financed through XXXX XXXX. XXXX XXXX thanked us for our business, thanked us for satisfying our lien and ALSO sent us a PAPER Title. 
I spent over an hour on the phone with Fifth Third 's loan officer going round and round about how Ohio is a electronic title state and Fifth Third owes us no paper title. I spent another hour with a loan officer at a local Fifth Third branch going round and round about how Fifth Third owes us nothing since Ohio is an a electronic title state. No one could explain why I received a paper title from XXXX XXXX and not from Fifth Third. I was given a handful of excuses as to what the fees of XXXX dollars to Public Officials and XXXX dollars for Title Examination on our Simple Interest Note and Security Agreement really were. 
We will never consider Fifth Third again for any of our financial needs and urge other to be aware of their " roundabout '' ways of cheating their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: United Student Aid (USA) Funds
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
I ordered a copy of my report in MyFico and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am submitting this complaint myself and attached a copy of my Drivers license and Social security card, to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.

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 2022-08-17
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I made an atm withdrawal for XXXX and was charged XXXX on XX/XX/XXXX I made an atm withdrawal of XXXX and was charged XXXX... XXXX time I received an error message on the atm regarding my card and the atm didn't dispense any funds at all. I went inside the bank and a clerk told me the charges should drop off. The transactions posted and on the XXXX I filed a dispute explaining to chime. On the XXXX I received an email from chime stating my claim was denied and I can't appeal. {$720.00} is a lot of money and I refuse to loose that much due to a careless bank if I have to take this to court and XXXX I will. I just want my money. I never received even {$1.00} from the atm. It's the first few days of the month I was trying to withdraw that for rent but now I'm behind and at risk of eviction due to a XXXX atm and banking with the worst possible bank ever... XXXX isn't on their customers sides at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After checking my TransUnion credit report, I found out that Trans Union has been including reports made to it by a company called XXXX since 2015. XXXX is currently reporting that I have an outstanding amount of {$710.00} due to its company and that the status of the account is " charged to profit and loss. '' XXXX is absolutely not a legitimate company. They are not licensed by the Florida Office of Financial Regulation to act as a consumer lender, nor are they a federally-chartered bank. The State of Florida  declares loans made at an interest rate greater than 25 % to be considered loansharking or usury and is a third-degree felony. This can be verified here : XXXX XXXX XXXX  XXXX charges interest rates in excess of 500 % annually. The company is operating illegally and in contravention to Florida law. I 've disputed the account to Trans Union already, and XXXX verified it as accurate. I can not see how it is possible that TransUnion allows an unlicensed, illegally operating entity to report information to it -- information which it then incorporates into reports it sells to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Diversified Adjustment Service, Inc.
State: NC
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:
XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
I have filed numerous complaints.I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because, According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts. 


Account-XXXXr Consumer Account - XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Bristlecone, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
Going back to the choices of colleges, I never attended Any college, so I dont have Any student loans to pay back. I had to choose a school because the system wouldnt allow me to go forward. These calls for student loans are coming in at XXXX and go on All day long, not to mention home mortgage calls as well. Im getting harassed everyday all day in spite of me selecting the do not call button, they still call. They call and hang up, they call and leave messages, it just continues.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-21
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent XXXX on XX/XX/XXXX to XXXX thru the XXXX Zelle app.On there website and XXXX page it says Fast and safe service. The recipient didn't receive the funds and it said PENDING REVIEW in the activity. On XX/XX/XXXX, the recipient still didn't receive the funds. I called Zelle and I was told that they would try to cancel the transaction. I paid the recipient in cash the XXXX. I called Zelle on XX/XX/XXXX, my money still hadn't been returned to me. The transaction still has Pending review on it and they told me that it will take 7 business days for the transaction to be sent to the recipient or canceled. I told them to cancel it and return the funds back to my account. They told me that they couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Fair collection and outsourcing is stating that I owe a XXXX. The five-year statute of limitations for consumer debt in Florida has past and this debt can no longer be collected on after 5 years. Please delete this debt from my credit profile. This can only be collected on within five years for debts with a written contract. Fair collections and outsourcing has had this debt since 2017, and no longer can collect on it 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
Consumer complaint received 2022-06-17
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Informed that I owed a balance of {$790.00} for services from XXXX and XX/XX/XXXX at XXXX XXXX  XXXX. This bill has already been settled and paid it in full as of XX/XX/XXXX. Received a voicemail on XX/XX/XXXX stating that the account was delinquent and that the debt collector, CMRE Financial Services, was attempting to contact me to collect payment. I contacted them on XX/XX/XXXX regarding this debt, stating that the services from XXXX and XXXX had already been paid in full. Was upgraded to a supervisor who stated they would look into the account but that I needed to submit proof. Contacted the original company that I had paid the full amount to who stated that this debt had already been paid in full and should not have been pursued by the debt collection agency. Statements were supposedly sent out but I have been complaining since XXXX that I have not been receiving them to my mailing address, with several calls being made in XXXX regarding this matter as well. There was a bill from XX/XX/XXXX in the amount of {$2.00} dollars that has been combined with the debts from XX/XX/XXXX that I also had not been made aware of that is being asked for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}. 

Federal law requires the 3 Credit Bureaus to reply inside the legal time span, yet they still can't seem to answer my letters. Subsequently, any records that have been questioned should be amended.

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 2022-02-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
With the announcement of the new PSLF Waiver program, I submitted my first PSLF application on XX/XX/XXXX. It was denied on XX/XX/XXXX because my loans were XXXX loans up to XX/XX/XXXX. For that reason, the servicer declined to verify my XXXX years of non-profit employment, but did note that one verification would require a wet signature. 

Assuming that Fed Loan Servicing had not updated its review process to the terms of the waiver, I resubmitted by PSLF application- with wet signatures from all employers- again in XXXX. I also filed a complaint with Student Aid .Gov, and I received a response stating that my servicer would need time to update their review process. I received notification on XX/XX/XXXX, that my second PSLF application was received. 

After waiting 3 months, I call Fed Loan Serving. I received a call back and the agent told me that my second application had been rejected, but that she could not access the file to tell me why. I stated that I had not received a copy of the rejection nor was there a copy of the rejection in my online account. She said she needed to transfer me to a PSLF specialist. I had to hang up because I was at work and I had been on hold for over one hour. After the call, I uploaded complete copies of my payment history for my loans, and I received a form letter XXXX days later stating that my PSLF application was received. This was the same letter I received twice before. 

I have been employed with nonprofits for over 20 years and have made more than XXXX payments towards my loans. I was ill-advised to consolidate my loans to XXXX loans, and now with forgiveness in sight, Ive lost all faith in my services commitment to process my waiver and the Department of Educations oversight of the process. 

Can CFPB help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
These following account below are appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX XXXX  XXXX Bureaus. As per FCRA, the XXXX, XXXX XXXX  XXXX bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm these accounts. 
ALLY FINANCIAL XXXX Balance {$73000.00} ALLY FINANCIAL XXXX Balance {$20000.00} ALLY FINANCIAL XXXX Balance {$0.00}

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 explanation