BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-28
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX, Experian and XXXX, FHA Resource Center, RE : XXXX. 
CFPB XXXX .this is just one of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the 3 party collection 's calling over 100 time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night mar. XXXX, Experian and XXXX  still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was XXXX and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with XXXX XXXX. right, THIS HAS ALSO AFFECTED MY WIFE 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 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called me at work and cellphone threatened me that I need a lawyer and I dont have any idea of debt, said I could go to jail cuz I borrowed money on fraud, was very rude and aggressive

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 2021-01-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Paid off a {$410000.00} mortgage with {$410000.00}. This discrepancy arose due to the length of time it took to close the mortgage. 2 months later, the old servicer ( Specialized Loan Servicing ) is claiming they do not owe the difference and my account balance shows {$0.00} rather than being negative. 

In addition, this servicer ( Specialized Loan Servicing ) has repeatedly failed to issue a {$630.00} escrow refund check from 2019. 

I do not feel that SLSs escrow statements or mortgage statements after refinancing are in compliance. There is no clear breakdown anywhere of where the aforementioned funds have gone.

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 2020-10-23
Company: GATEWAY FIRST BANK
State: TN
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 file a report with XXXX  and XXXX  on two accounts they are reporting on XXXX and Gateway Mortgage both accounts are Fraud. I send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Call many times Visit bank locations Speak with customer service The only answer is ( we could not do anything for 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 2023-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Un-authorized inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
THIS ACIMA ACCOUNT WAS FRAUD. I NEVER OPEN THE ACCOUNT, THE ACCOUNT WAS OPEN ON XX/XX/22 I RECEIVED AN EMAIL ON XX/XX/22. I CALLED RIGHT AWAY INFORMING ACIMA THE ACCOUNT WAS FRAUD AND I NEVER OPENED THE ACCOUNT. THE ACCOUNT WAS OPENED ONLINE AND FINANCED THROUGH ACIMA IN MY MAIDEN NAME XXXX XXXX. I HAVE FILED A POLICE REPORT WITH XXXX XXXX POLICE DEPARTMENT MY REPORT NUMBER IS XXXX. THE COMPANY STATED I ALSO NEEDED TO FILE A REPORT WITH CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX Account # XXXX opened XXXX XXXX & Account # XXXX opened 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 15 U.S.C 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RPM offered me a 75 % payment of a debt and they settle as paid and would notify the credit agencies there was no longer a debt. I agreed with them and paid them the 75 %. They then reported to the credit agencies that there was still a balance. I contacted them many times and they said they would take care of it but they just keep lying to me and nothing is being done. The whole conversation was recorded by them, the settlement offer and the taking of my credit card number. I believe this is an unacceptable bussinees practice

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 2017-02-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for it.

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 monetary relief
Consumer complaint received 2017-03-10
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The original company that did my two private student loans transferred all of their loans to First Marks Services. Since the transfer has happened my loans were put under the wrong status, as in one of loans said I was in repayment while the other said I am still in school. I am still in school. It took four phone calls and over a month for them to fix this issue. This month I paid the amount that my bill said was due XXXX. My payments are due every XX/XX/XXXX of every month. This month was no different, the website I make payments on told me my amount due was XXXX due by XX/XX/2017. I paid that exact amount several days early on XX/XX/2017 and I look at the website again today on XX/XX/2017 and they have added more money XXXX that they said is due this month by XX/XX/2017. The customer service is of no help and they have yelled at me and hung up on me. I have called 3 times in the past hour and have been hung up on 3 times. They only called back once. The only thing they say is that I should not have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

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 2020-10-06
Company: Experian Information Solutions Inc.
State: ID
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:
Experian is reporting two different collections on my account. I have proven that this is only one account and should be reported as such. It took two days for them to decide that this was two different accounts. The accounts even have the same name and the same amount due on each one. XXXX  actually investigated this issue and removed the entire account from my report so that I have no collection. I submitted the same evidence to them as I did Experian. When they investigated the first collection company, it took less than two days. How is a proper investigation supposed to be done in less than 2 days? XXXX  at least took a week and a half.. 
I am also wondering how a legally settled account can report 7 charge offs on the same account? 
There is also conflicting information on this report saying that my debt to income ratio is 8 % yet I have 100 % credit usage. Your suggestion to me is to open a new credit card account. Why are they suggesting a new credit card account if I am at 100 % credit usage? Also telling me that creditors look at me as risky yet they want me to open more accounts saying it would be better.

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 2021-03-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX I traded my existing XXXX KIA lease in for the purchase of a new XXXX KIA XXXX. Trade in negotiated by the Dealership, XXXX XXXX in XXXX CA. Deal accepted and I signed new loan docs showing the trade in and residual amt added to new loan. Signed a full Release of Liability same date and told to not make the following payment as they were sending the full payoff to Kia Finance. 
XXXX rec 'd a call from XXXX XXXX ( assoc with Kia ) that was a collection call on the XXXX KIA I traded in. ( 21 days later ) Explained I released the car XXXX and gave above details. Asked to make the past due payment to bring account current, then contact the dealer? Asked if KIA would not contact their dealer and answer was no. Asked for management. Called following day and again connected with a collector. I was told no payoff rec 'd contact the dealer. I went in to the dealership and spoke to their finance dept. They told me their check # XXXX was sent and cleared their bank XXXX for {$14.00}, XXXX. Now XXXX and I continue to get collection activity and the two are not talking to each other to resolve this matter. Only option I am being given is to pay for the car I no longer have by KIA. 5 coll calls, to discussions with reported KIA XXXX and discussions with XXXX XXXX has done nothing. KIA now shows I am 21 days late and the {$400.00} payment is up to {$810.00}. I am at my wits end and the " threat '' is the late payment will be reported to the credit firms. XXXX XXXX XXXX and I have NEVER had a negative credit report. Matter of fact two dealerships told me I had great credit. This will destroy that if the derog, to no fault of my own, is reported. Please help. I am stuck in the middle here. I will not pay for a car I do not have and have a Release of Liability form for.

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 2022-08-15
Company: Experian Information Solutions 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:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit has inaccurate information. Violation is FCRA and FT violation

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
As notified previously, I am a victim of identity theft

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 2022-08-15
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
hi i have an apple card which is run by Goldman sach company. they charged me {$75.00} interest even if i paid on time. they always say a supervisor will help you but no one comes to the phone and then they say they will call you no one reached out to me they make false promises of supervisors who dont realy exist. if they do, why did they reach out to me? 

then i canceled subscription and i told them but they still charging me for that subscription. 

XX/XX/XXXX they charged me {$74.00} that did not get resolved after making many calls and i paid on time. they charged me for XXXX  XX/XX/XXXX that i already canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: Hillcrest Davidson & Associates
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Hillcrest-Davidson about a prior accountant that I had with XXXX XXXX XXXX. The previous contracted had been fulfilled and I was no longer paying XXXX. I was never sent any communications from XXXX about any kind of auto renewal, which the representative at Hillcrest repeatedly keep referring to as she was talking over me and never letting me get a word in to explain. I was contacted again by a second rep after advising the previous to never call me again that the debt was fulfilled and paid. The second rep began to badger me from the very beginning of the conversation. They called me on a phone number that was never given to XXXX as a contact number. It was a mobile phone that I use strictly for business. When asked how they got the number I was told that " it does n't matter how we find you. You need to learn to pay your bills ''. At this point I was extremely upset to be disrespected and badgered. I gave the representative a very good piece of mind and immediately hung up. I believe these tactics are not condoned by the FCRA. I request that you have this company delete their presence from my credit bureau and correct my reporting and score. My credit was very great until these predators came along. I was also never given any written verification of the contract with the auto renewal or any correspondence from either company. I was called out of the blue. I still have not received any written verification of any debt owed.

Company response to consumer: Closed with explanation