BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I  XXXX   XXXX  am entitled to the same benefits of the   XXXX   modification to reporting of medical debts just as any other American consumer. In   XXXX  , I was involved in a near fatal work related accident. My Union insurance will eventually cover 100 % of all medical claims, but while I was recuperating for over  18-months,  several medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of  a 180-day  written notice that after the  180-day notic e expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFPB  XXXX   XXXX  agreement of   XXXX  . Al l medical collections  must be removed immediately by all medical debt collectors, and I must be send  a 180-day  notice, so my insurance can work on resolving all claims. REMOVE ALL  ME  DICAL COLLECTIONS A S MANDATED!!!

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 2021-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.XXXX, XXXX. 
Other reason Submitted XXXX/XXXX/XXXX  Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX/XXXX  Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX  XXXX  XXXX  Other reason Submitted XXXX/XXXX  Other reason XXXX/XXXX  XXXX  Other reason

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed and submitted the package for refinancing my home. This package was completed and submitted in  XXXX  '  XXXX . This package was submitted and received by OCWEN in  XXXX  '  XXXX .     As of this date  XXXX   XXXX ,  XXXX , OCWEN has used the ploy of asking for additional information. Like water from a dripping faucet, they ask one question, you answer that question. Then they ask another question. Now that we have been through every document, OCWEN is saying that they have not received documents.     I am working with/thru  XXXX , who keeps a file of all that I submit. OCWEN has complete access to the  XXXX  files. Currently, they say that they do not have access to the  XXXX  files. Therefore, all submissions go to  XXXX  an d OCWEN. OCWEN contin ues to say that they have not received documents I have sent.       DO NOT SEND MY DOCUMENTS TO OCWEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and sent in a complete file ( p and L, 3 months business bank statements, rma, ss awards letter, hardship letter ). I have been calling in daily. I have a sale date for XX/XX/12. Nothing was being worked on. On Friday XXXX I was advised by XXXX that docs are sitting there and an email would be sent so the file can finally get looked at. That same day, I inquired about my payoff that I had ordered. My daughter has stated she may have the funds to pay off my loan since she just refinanced her home and had cash on hand. On Friday I was told they would fax it to me since they mailed it out instead of sending me it via fax as I requested. Friday ends and still no payoff was sent to me. Monday XXXX comes around, still no payoff and no update on my mod. Tuesday XXXX, I call again and was told my file cant be reviewed due to the XXXX rule. I told them that I am in California and that does not apply to me. At this point Im dealing with someone completely rude. I also needed assistance with my payoff as it seems that Selene is refusing to send it to me. Everyone knows about the issues with the us postal service these days, I do not have the time to wait for the mail to deliver it. I specifically asked for it to be faxed. I finally get a supervisor on the line ( XXXX ) who was able to get me the payoff via email and he also confirms that I was given bad info pertaining to the 37 day rule. That since I am in California, the rep should not have advised me of that. The supervisor stated he would reach out for an update on my mod, as there was nothing noted on my account regarding it. I call back 4 hrs later to see if anything was noted to my account and was told that they are barely imputing my information!!!! What does that even mean? She ( XXXX ) also stated nothing is very clear on my account as to what is going on with my file. There are numerous reasons why Selenes behavior is intolerable and the issues that Id like to bring to your attention are the following : The inability of Selene Finance to properly review my file in a timely manner since I have a sale date is intolerable. 
They completely disregarded my file because of incorrect info that did not apply to my state. Due to that, my file has sat there. Selene finance has been completely careless with my file. The number of times that I called to check the status of my file should extinguish any opportunity to excuse Selenes behavior. To top it off, the number of times I called regarding my other potential option to save my home was also disregarded. The payoff was ready XXXX and I was promised I would get it that same day and it took an additional 5 days. 
No one is giving accurate information and no one is being held accountable for these numerous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

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 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello I spoke with a representative from TransUnion  CS rep   XXXX  on :  XXXX   XXXX     2017 at   XXXX   XXXX  and explained to her I was a victim of their inquiry issue and to no avail would she help I insisted that these did not belong to me and nothing or no information was given to properly help me and I am extremely upset about this I want to be able to move forward and stay on track with my credit and this representative would not help and take care of my negative inquiries. Customer service was extremely poor and rep offered no resolution or assistance.

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 2021-11-15
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

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 2022-04-27
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX, and account # XXXX from XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: OR
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:
My XXXX  account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to XXXX  on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I began the process of refinancing the mortgage on a property I own. On XX/XX/XXXX, it was discovered that there is an outstanding balance of {$7600.00} in fees that must be satisfied at the time of closing per the refinance. Being that I had no knowledge of such fees, I contacted my current mortgage company, LoanCare c/o XXXX, on XX/XX/XXXX to get more information. A LoanCare representative researched my account with another colleague. After returning from a long hold, the rep explained the only information they could find about the fees were they are labeled as " preservation of property '' and were transferred to LoanCare when they acquired the loan in XX/XX/XXXX. Other than that, there were no specific dates of the fees charged, whom the fees were owed/paid to, or any other information associated with the fees. Unsatisfied with the result of my first call, I contacted LoanCare again on XX/XX/XXXX. I spoke with a different representative which told me the same thing as the first rep. Unable to get any sufficient details regarding the fees, I called again on XX/XX/XXXX and was told the same thing as the first two reps. And, the third rep advised me to contact the former mortgage company, XXXX XXXX, to understand the fees charged. Unfortunately, I'm unable to contact XXXX to get the details of the fees as they have dissolved business. 

Dissatisfied with the lack of details surrounding such costly fees, I sent an error of resolution request letter to XXXX 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 2017-06-05
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi, I am XXXX XXXX and these inquiries are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report violation of : XXXXPrivacy act of 1974 -15 usc 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: MO
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:
My Credit Score should be XXXX  at XXXX Exquifax and XXXX. I feel I am by Discriminated against because I am XXXX American.  I feel all three credit Reporting agencies are giving me  low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called regarding a debt I owed I spoke to 2 different representatives on XX/XX/2021. XXXX XXXX gave me the wrong information would not answer my questions regarding my debt they alleged that I owed and I spoke to XXXX XXXX who transferred me the 3rd time I called then hung up on me when I called back. Both representatives hung up on me and refused to help me when I was asking questions about my account. Very unprofessional, and not even willing to talk to me so I can try and take care of this account theyre saying I owe on that I also didnt receive a debt validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
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:
identity theft ... ive been DEPORTED in XXXX since appx 2009 and yet still get credit opened falsely in my name in XXXX and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a XXXX address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly XXXX XXXX  XXXX XXXX please help my email is 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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help

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 2017-06-05
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: GA
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:
On   X/X/2017 ,  Equifax received my certified request dated   XX/XX/2017 .  The request was to investigated several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15 U.S.C. 1681g, I   requested disclosure of documents recorded and retaine d in their file ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Equifax of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

Company response to consumer: Closed with explanation