BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting account derogatory or delinquent. The creditors are saying they are not reporting this information to Equifax. Equifax and the creditors keep saying it's the other party reporting the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
MOHELA is a new servicer to me- and I am trying to repay the balance of my loans in full. In order to do so, I have to go through their " Payoff Calculator. '' The payoff calculator page has been down or completely removed for over a month now. Now, the page says to call them to do payoff. 

Considering that the student loan pause has just ended, it feels suspicious that they have make it more difficult ( when their payments have restarted again ). The call waiting list is over an hour long, and I have no recourse to make my payment online. It seems ridiculous that I can't pay online with the online payment system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 15 USC Section 602 states I have the right to privacy and these accounts violate my rights.

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 2022-11-30
Company: Strategic Alliances, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, the medical debt vulture company, First Financial Investment Fund III LLC, sent debt they purchased from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. On XX/XX/2022, XXXX sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. XXXX sent validation showing XXXX XXXX of purchased medical debt leading to XXXX XXXX XXXX between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, XXXX XXXX XXXX had drawn up both validation and legal papers to sue me, filing the legal complaint 28 days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called XXXX and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX 's with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get XXXX to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale. 

The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices. 

I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: KS
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:
Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 
Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: ARS National Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was ARS Natl Svc. No voicemail was left. 

Received letter on XX/XX/XXXX from ARS National Services, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, ARS National Services must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank will not allow me to draft any money. 

May you please request that someone call me as I have not been able to resolve with Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Over the past two years I've been erroneously hassled and harassed by the company Portfolio Recovery Associates LLC, in what appears to be improper and illegal collection policies. I've requested on numerous accounts that validation be provided in said debts that are owed, with no prevail. This company is inaccurately reporting information on my credit profile, and has failed to provide payment for my submitted invoice due to consumer violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, the medical debt vulture company, XXXX XXXX XXXX XXXX XXXX XXXX, sent debt they purchased from XXXX XXXX XXXX XXXX to Shermeta Law Group. On XX/XX/2022, Shermeta sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. Shermeta sent validation showing XXXX XXXX of purchased medical debt leading to Shermeta Law Group between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, Shermeta Law Group had drawn up both validation and legal papers to sue me, filing the legal complaint XXXX days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called Shermeta and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX XXXX with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get Shermeta to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX 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 2023-07-30
Company: Experian Information Solutions Inc.
State: AL
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:
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 has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information si inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage is not helping me, I have tried working things out with them but they are very difficult to deal with, I fear I will lose my house to them. Please Help!!!! 

I was given a loan modification during pandemic, since I had lost my job due to COVID, I couldn't pay my mortgage trial payment and this turned out to be a disaster ever since, I later got to know that PHH was giving out trial payment extensions but they never called me to give me the trial payment extension. 

Now I have been trying to get a loan modification again through them but they say that my property value has increased and they can't give me another loan modification, I request you to please help me, I am ok with the same terms that were approved last time, Now my business is doing well and I will be able to make regular mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX Bank unauthorized inquiry not authorized 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
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts dont belong to me I have been a victim of identity theft and I also filed my FTC report. I contacted the Credit Bureaus. They do not want to remove the accounts off of my credit report. 

Equifax Credit Report XXXXXXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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