BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called for a payoff and the amount was excessive and exceeded the laws of interest in Massachusetts on XX/XX/2021 and will not settle for a reasonable amount I have paid back 3 times the amount of original loan

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 2017-01-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a loan for a condo, XXXX/XXXX/15. A condition of closing was that flood insurance be in place. The loan was underwritten with inadequate coverage and it was 6 months, before I was notified. The letter provided, at that time, was not clear about the reason forced placed flood coverage would be implemented. When I finally got to the bottom of the issue no one could tell me why the loan was processed if all conditions had not been met. Furthermore, I have requested a written notice of exactly how much flood insurance is needed, but have received no response. The lender has not been able to explain why it took 6 months for their error to be discovered. After getting the run around from a customer service representative and hung up on, by her supervisor, I spoke with someone who stated an investigation would be started with both the Underwriting and Service depts. I was advised I would receive a follow up call from the head of the Service dept. This was over 3 weeks ago. To date, I have not received any communication from XXXX XXXX, XXXX Supreme Lending and their error has caused a {$1200.00}, annual, increase in my escrow payment.

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 2015-12-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX different amounts from some medical XXXX thing from XXXX. I have no idea what the {$400.00} & {$800.00} are for. I have medical insuranc and I have never received a bill or anything. I think that these XXXX items that are in collections are not mine but someone else 's and somehow they were incorrectly placed on my credit report. I have medicaid as insurance and I have been on medicaid continually since XXXX, so I know that I would not have those anesthesia charges because all of the medical things that I have to deal with are covered by my insurance. I am only responsible for a {$3.00} copay. I am thinking that it is possible someone may have used my identity and that is what these are from. This is the first time hearing about these items that are on my credit report, should n't I have known about this like 5 years ago which is what the date is on the report. Now the one in collections from XXXX I know is correct. However I did sent XXXX a check last month paying off a bill. But I am not sure if it was the one that is in my credit report or if it was a recent bill. I am not disputing the report from XXXX, only the other XXXX. Thank you. My number is XXXX. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX, NC XXXX if someone could contact me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2013 I took out a payday loan for {$4800.00}. This company is reporting {$5300.00} on my credit report. This account is in a collection agency. 
How can the report an incorrect amount? Under the Fair debt reporting act they are in violation and should delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
MAIN PROBLEM WITH EQUIFAX IS REPORTING ACCOUNT ON DISPUTE WHEN IT HAS BEEN PAID AND SHOWS BALANCE DUE AND PAST DUE AMOUNT WHEN THAT 'S INCORRECT SINCE THEY HAVE BEEN PAID. On XXXX XXXX, 2016, I had contacted Equifax at XXXX and spoke with " XXXX '' at Customer Service, regarding disputes that appeared in my credit report. I requested to remove all comments due to my application for a mortgage loan. She informed me that this would take XXXX48 hours to be removed. This phone call was recorded by Equifax, as I was informed by XXXX. On XXXX XXXX, 2016, XXXX ( the Company used by my mortgage processing company ), informed me THAT THE COMMENTS/DISPUTES THE DISPUTES ARE STILL SHOWING ON MY CREDIT REPORT. That same XXXX XXXX, 2016, at XXXX XXXX, I contacted Equifax -again -- regarding this matter, and was told by the Customer Service Representative, XXXX ( told me was her name ) that are were nNO DISPUTES.COMMENTS SHOWING. However, this is not true ( included is a copy of the report ). As established by the Fair Credit Reporting Act ( FCRA ), my rights have been violated by Equifax in their reporting practice. This irresponsible manner to conduct the business of such a powerful Organization ( let 's remember that what the Credit Bureaus report dictate whether or not a person gets approved for a mortgage loan ), can cost me the opportunity of buying a house ; a house that I have been looking for months and that now due to this matter I might loose. Therefore, I respectfully want to submit a complaint regarding Equifax irresponsible credit reporting and violation of the FCRA. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX charged off my account in XXXX 2015 but the account continues to show up as a new delinquency each month since. I have tried to address this with Equifax, but was told the debt is valid and can report every month as delinquent even though the status is charged off. I am trying to rebuild my credit and unable to make progress with the account being reported as delinquent every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seterus took over my loan from XXXX XXXX XXXX in XX/XX/XXXX ... Since then my wife and i declared Bankcrucy XX/XX/XXXX it was final.. I was 2 or 3 months behind on the mortgage do to lack of work ... XXXX XXXX XXXX gave the mortgage to this Bad company!! I have been trying to refinance my mortgage since XX/XX/XXXX but to no luck! Steers just keeps telling me to send the same old paperwork in and ask me if i want to get ride of the house.. Since it worth more then i owe!!! CAN SOME ONE HELP ME!!!! This is a joke and a run around!!!!! I have been paying the mortgage and giving extra money .. I am on a forbearance Never heard of this before!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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:
All three bureaus continue to report information on my credit reports that are not suppose to be reported. By law they are not allowed to report information that comes from a third party it must come from the company that filed the information or it must come from the company that owns the said debt. I sent all three bureaus the attached letter where the state of Colorado said that they do not report this information to the credit bureaus and the credit bureaus obtain this on their own. That makes this against the FCRA and the FDCPA I want this bankruptcy removed from my credit profile 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 2016-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an account XXXX years ago. When I opened the account I was offered a discount of 20 % off every bill because I am a XXXX Veteran. I did n't ask for it and never knew about it until it was offered by the manager. I showed my Veterans ID and oppened the account. I never once received the discount. I called monthly and was always promised retroactive credit which I never received.I finally decided to change carriers. I think the final bill was about XXXX. I received a bill for XXXX. I have tried to contact XXXX for copies of past bills but they have been totally uncooperative. I am not refusing to pay, I am disputing the amount owed. They have given it to collections before and I have been successful in having it removed from my credit report. It has again been reported to the credit bureau XXXXI would like to have it removed until sprint at least makes an effort to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Credit card
Issue: Transaction issue

Complaint:
I have a secured credit card with USAA and when making payment for use available balance USAA allows for indefinite hold on payments as listed in their universal terms and conditions. If do n't agree with universal terms and conditions funds will not be released to hold on funds with secure card. 

Listed is their policy : When we credit Payments. Payments received by us before XXXX Central Time that meet the payment conditions in section XXXX and on your bill will be credited as of the day of receipt. Payments that we accept that do not meet these requirements will be credited within 5 days unless they require special handling. We reserve the right to withhold credit availability on any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2021-02-04
Company: ProCollect, Inc.
State: TX
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:
Procollect reported a debt for XXXX XXXX they never contacted me or sent any information about this debt. I never signed a lease with XXXX XXXX XXXX after XX/XX/XXXX when the lease ended. Procollect has refused to send me a copy of the sign lease. This new list was signed by XXXX XXXX I was separated and have court documents showing my ex husband would stay at that property and sign a new lease. I also provided Procollect and the 3 credit reporting agencies with the judges paperwork and a letter from XXXX XXXX stating I XXXX XXXX had a XXXX balance at the time of move out. This collect was placed on XX/XX/XXXX in the amount of XXXX and has been disputed more than 8 times. The credit bureaus XXXX, XXXX, and XXXX XXXX did not conduct a accurate verification of this debt and did not view my supported documents.

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 2021-02-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2021 Kids Need to Read was sent a denial letter for an Amazon Credit card that we did not apply for. The card is from Synchrony Bank. No direct contact information was given in the letter. When we reached out to Amazon we had no way of addressing this issue. 
We are concerned that someone may have tried or is trying to open additional accounts under XXXX XXXX XXXX XXXX. With no way to address this issue with the companies involved, we were forced to apply to CFPB.

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 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!

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 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Filed a dispute for bankruptcy listed on credit file Dispute came back verified, however the clerk of courts in XXXX XXXX stated they do not verify any individuals bankruptcy information to the credit bureaus or any third party for that matter. This bankruptcy listed has been vacated to my understanding and therefore should be deleted from my credit file immediately under the FCRA. Another Credit Reporting Agency has already done so after properly investigating, see attached.

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 2015-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA Federal Savings Bank was arbitrary and capricious in the issuance of a XXXX, Cancellation of Debt. They also do not follow IRS rules for issuing the XXXX USAA XXXX refuses to provide their policy in writing for issuing XXXX. 

I owed XXXX debts of equivalent age and both over {$600.00} dollars. XXXX accounts were charged off by USAA three days apart ; however, only XXXX account was issued a XXXX. In the XXXX, USAA indicates in Box XXXX they " discharged '' the debt and in Box XXXX they do not hold me " liable for repayment '' yet they continue to seek reimbursement. 

USAA also failed to comply with IRS " Specific Instructions for Form XXXX '' and provide the telephone number to the correct department on my XXXX as " CAUTIONED '' in the IRS instructions ( they did n't provide any telephone number ). This blatant hurdle to customers is only further exacerbated by their refusal to provide me their written policy or established business practice ( for ceasing collection efforts and issuing the XXXX ) as required by the IRS. Couple this with the numerous different explanations of why I received a XXXX and why I still must pay, you realize their customer service representatives ( CSRs ) are not reading from the same script ; in fact ; some CSRs indicated I did n't owe anything. 

What 's ironic is that when I first approached USAA about the XXXX, they asked that I fax them a copy of it! 

USAA 's lack of transparency, and their inconsistencies and unfairness in applying policies they will not put in writing is POOR customer service. 

I have paid in full the account that was not issued a XXXX. However, I refuse to pay a debt that was " cancelled '', then " discharged '', and that I am " not liable to repay '' as indicated on the XXXX. Besides, the XXXX has to be treated as income on my taxes and a loss on USAA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX co founder of Rush card has been security has been breached. ... .I have not had access to my bank account for 3 days and my debit card is not deactivate and I ca n't get anyone on their phone. ... on hold for hours ... ..look at rush card XXXX and XXXX to see XXXX of angry customers ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan is serviced by Ocwen Loan Servicing , LLC . I suffered water & mold damage, resulting in an insurance claim. Ocwen required me to mail the insurance check to Ocwen so that Ocwen could monitor the repairs and pay me. Ocwen requires an inspector to inspect the repairs before issuing payments. On XXXX XXXX and again on XXXX XXXX, 2015, Ocwen employees assured me that they ordered an inspection while I was on the telephone with the Ocwen employees. Today, XXXX XXXX, 2015, 9 days later, Ocwen informed me they " forgot '' to order the inspection. Ocwen is telling lies. Ocwen employees assured me an inspection had been ordered while I waited on the telephone with Ocwen employees. How could Ocwen have " forgotten '' to order the inspection when the Ocwen employees told me the inspection had been ordered while I was on the telephone with Ocwen? Ocwen is intentionally, purposely causing me severe emotional distress and damaging me. My contractor is threatening to quit. My tenants are threatening to sue me for breach of the lease. Ocwen refuses to pay, when the insurance proceeds are my insurance proceeds. I need immediate help. My contractor is threatening to quit. My tenants are threatening to sue. Ocwen now says it will be another 5-7 business days just to contact the inspector, then additional days to schedule the inspection. Meanwhile, Ocwen refuses to pay money which is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: HW Holding, Inc
State: TX
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 noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My email account was hacked. I have XXXX hard hit inquiries to XXXX XXXX and XXXX hard hit inquiries to XXXX. Does n't this seem odd to you? I already have XXXX XXXX XXXX credit cards. These transactions were not submitted by me.

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