BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I have asked TRANSWORLD SYSTEMS INC on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: FL
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:
My personal information may have been stolen during the Equifax security breach. I have already visited www.equifaxsecurity2017.com, and after I entered my information, I received this message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' Because I may be affected by the breach, I have placed a 90 day fraud alert on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: DE
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:
US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?

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 2017-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I contacted USAA to inquire as to why my credit card reporting status showed under adverse accounts on my XXXX  report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. USAA would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency XXXX 
I filed a dispute with XXXX because USAA stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with XXXX  now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If USAA did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been struggling to keep my mortgage payments current and I 'm doing everything that I can. I have made several late payments but have recovered. I just got a letter from my mortgage company saying that my escrow account was insufficient by {$5000.00} and they need to collect the money. With the increase in my escrow from anticipating next years taxes and re-paying the mortgage company for deficit in my escrow this year my mortgage payment has increased almost {$800.00} per month. This is more than I can afford and I 'm afraid I will lose my house. I bought the home a year ago and I just do n't understand how my escrow could have been so incorrectly measured. I ca n't afford the {$5000.00} hit and with a brand new loan I do n't understand how this could 've happened. I called Penny Mac yesterday ( XXXX/XXXX/XXXX called at XXXX central ) and they would not or could not explain why it was so underfunded. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax , Inc. was victim to a wide scale cyber attack that lasted fromXX/XX/XXXX where intruders gained access to information about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers as well as credit card numbers for about 209,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that I used to determine that my information was indeed compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Equifax security breach where all of my personal data was stolen. Social Security number, date of birth, driver 's license number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 explanation
Consumer complaint received 2021-04-14
Company: Selene Holdings LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a Loan Modification Application with our lender over a year ago. We have made payments that we agreed to in the loan modification agreement. In attention we were asked to make some changes to the title. After over year of making the monthly payments in addition to contacting Selene Finance for updates our loan modification application. We were told that it is still in process and once the pandemic hit that the process will take longer than expected. On XX/XX/XXXX we received a notice that the loan modification was denied due to " title issues '' - no further explanation was explained. We tried to call for further explanation and continued to receive the run around over the phone or get transferred to a different department. We are extremely frustrated and confused after waiting so long for a decision that now the case is closed and we are unable to get anyone over the phone to explain to use what " title issues '' are they referring too and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Accelerated Servicing Group LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
His name was XXXX XXXX he said he was with Accelerated Servicing Group. He has been harassing me with phone calls for weeks both at work and on my cell. Ive asked him to stop he told me today that he will call my work every day until I pay what I owe. He then called me an XXXX. He said I was gon na get a lawsuit if I didnt pay today etc etc Very very threatening and verbally abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Certegy Holdings, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Certegy is a check cashing recommendation company.They alerted XXXX grocery store # XXXX on XX/XX/19 not to cash my check for XXXX. I had recently changed my account number because of a lost check. Since Certegy does not reference the old account to the new one my check writing history no longer existed and that it why they recommended not to cash the check. Certegy should be required by law to reference the change in account numbers as it must occur fairly frequently. Furthermore in this day and age it should be easy to electronically determine if funds are available in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: JH Portfolio Debt Equities, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between  JH portfolio an d myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OR
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:
Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX  XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.

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 2022-02-09
Company: DriveTime
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Drivetime, XXXX XXXX  and XXXX XXXX XXXX all have extorted me by breach of fiduciary responsibility in handling this trust account that was created via my social security cestui que trust. I as the consumer and beneficiary received no benefit of all these unlawful actions taken against me to liquidate my trust, also filling fraudulent tax forms to help aid in there fraud against me. As stated in 16 CFR 433.1 ( i ) i only held the instrument that evidences the a debt arising from the financed sale. The contract that was defaulted on was a contract between the seller and creditor as defined in 16 cfr 433.1 ( F ). I am in fact the holder in due course and have claims and defenses i can and will be asserting against this dealership for unfair and deceptive act and practices done against me as stated in 16 cfr 433.2.

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 2018-08-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The company was always calling me to make a payment. So when I finally thought I could pay it, I put it on a debit card. Then I realized that I could not pay for it or my family could not eat. I got an email that said the payment has been submitted and if I want to cancel the payment, call a certain number. I called it and there was nothing I could do about it. The payment came out already and now I am struggling to feed my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OH
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 have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a vehicle from CarvanaXXXX. The vehicle I chose, a XXXX XXXX XXXX XXXX, I chose it specifically because it was advertised to have the adaptive cruise control feature. I received the vehicle and the delivery person commented on how cool the feature was. During my 7 day trial period I sat down to figure out how everything worked and discovered that the vehicle does not in fact have adaptive cruise control. I contacted Carvana on XX/XX/XXXX and was told a ticket would be opened to have the issue resolved. I never received a response so I reached out via text on XX/XX/XXXX and was told the most they would do was to send me a {$500.00} check for the inconvenience. A XXXX search confirms that to have the feature added would cost approximately {$2500.00}. I feel the advertisement was misleading and I was tricked into keeping the vehicle by them stalling by opening a ticket for the issue putting me past the 7 day trial period. I feel this situation violates UDAAP and is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: RoundPoint Mortgage Servicing LLC
State: NC
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:
Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: AL
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 have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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: Their investigation did not fix an error on your report

Complaint:
I sent this company my disputes on XX/XX/XXXX18 with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/2005, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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