BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!

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 2016-01-05
Company: Allied International Credit Corp., (US)
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter in the XXXX mail from Allied International Credit Corp. collecting for an XXXX charge. I do n't have any XXXX charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a text notification that looked like a BofA Fraud Alert. It asked to confirm a transaction for XXXX at XXXX # XXXX - Y or No Text came @ XXXX - I responded " no '' @ XXXX XXXX. They responded @ XXXX XXXX " Thanks for confirming we'll call shortly @ XXXX XXXX XXXX The text came from XXXX XXXX XXXX. Everything looked like an authentic BofA Fraud text. They called and BofA showed up on caller ID, they asked some Q 's to confirm my identity name & email address. Then they asked me about the transaction ( have I been to Texas or was I at the XXXX ). The rep told me I needed to secure the account to prevent fraud. He told me to login into bank app and go to XXXX. Asked me for an email not linked to my bank account. I gave the XXXX they then asked me to confirm the verification code sent to my email. I was at work on a break I used and the rep created a sense of urgency. The rep had me add my XXXX XXXX XXXX account to XXXX and told me to put my first and last name to confirm it. He told me to pt down {$3500.00} down and to write " XXXX transaction reverse '' They had me believing I was reversing a pending transaction. After it was done they asked me to hold and after about 5-10 minutes I was hung up.

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 2021-07-29
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended Sumner College back in XXXX. I currently owe approximately over $ XXXX. I did not complete the college course because the college discontinued the program. They had mentioned that I would be able to transfer my credits to another college. When I tried to transfer over to another college they weren't able to transfer my credits. I had no choice but to start over and get a new loan at XXXX XXXX XXXX in XXXX. 
now in XXXX, I am having really difficult time trying to pay this loan that I didn't get anything back on and still have to pay my other student loan where the program was also discontinued. job is hard and I am now in forbearance and I talked with company to see if they can help me and I have had no luck with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transition has an account from the us department of treasury listed on my credit file which has been closed since 2011 which is a government fine from the bankruptcy court for a bankruptcy that did not belong to me. However transunion has the wrong date the fine was open and the wrong date the debt was closed. This account is closed and in collections and they are still charging fees and interest that is appearing monthly on this closed account. This should be deleted it 's not my bankruptcy that got the fine imposed.

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 2016-01-24
Company: PHH Mortgage Services Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
To whom it may concern, My name is XXXX XXXX, I was referred from my former California credit union to apply for a loan ( a Mortgage company from New Jersey PHH mortgage company ) to purchase a condo in XXXX. Beginning of XXXX 2015 that PHH mortgage company approved me at XXXX and informed me I would get a loan package via XXXX / UPS with documents that needed to be signed, information about the company, about the loan, rate etc. within 24-48 hours. I never received that package. Around 6-8 days later ( Friday XXXX/XXXX/15 ) I received an email from the loan processor, who contacted me with his info and informed me that he needed specific documents by Monday XXXX/XXXX/15 to process the loan. I called him up and told him that I was waiting on the package that the orig. loan consultant had told me, so that I can send them over the documents. I was waiting for a week and nothing had come to my address, I even had called the company many times to find out if they had sent the package out. 
I said to the loan processor guy that the time frame ( within 3 days ) to get him all documents by the XXXX of XXXX is a bit tight, because I work as a flight attendant and work transatlantic flights. He informed me that I can fax and email him all documents such as XXXX forms, income statements etc. and if he does n't get those documents by the XXXX my loan would fall through and I could not continue with the closing process. I scanned my documents and emailed what he wanted. Days later that PHH MORTGAGE company had done an appraisal on the XXXX unit/ condo that I was interested in and undervalued the property ( at XXXX ), therefore PHH suspended / froze the loan because they did n't think the bidding price at XXXX was ACCEPTABLE. In the meantime I paid for a home inspection at XXXX $ plus western union fees, and the PHH Mortgage wants to charge me a non refundable fee at around XXXX $ because the loan fell through. I called them up and said that they have n't rendered me a service because they never called me up or my agent when we wanted some updates on the process, they constantly delayed things and requested documents over and over again.those documents were already submitted by me or by my real estate agent. at the end they undervalued the loft, when the average prices of condos downtown XXXX are around XXXX and up.i believe they intentionally undervalued the loft to collect unreasonable fees from potential borrowers. Via Internet research it seems that PHH IS conducting business like that. 
It seems to me that this PHH mortgage company was scamming me and afterwards I was checking the Internet out and found out that they are taking advantage of consumers. They have many complaints with the consumer fair protection bureau, there 's is class action lawsuit against them for multiple fraud action. 
Warmest regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX 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 2017-03-27
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My spouse received a debt notice from U.S. Collections West, Inc. ( in AZ ) for early termination of her lease. She did not respond, which led to her wages being garnished. She assumes full responsibility and since the initial garnishment, we have been trying to stay in contact with the collections agency. My spouse has spoken with the agency and provided her consent for me to be able to speak on her behalf. We first worked with XXXX and set up a plan, so that we could make payments without a second garnishment ( legal action ). After a while, XXXX stopped returning phone calls. The garnishment ceased for a few paychecks, then continued. I finally got a hold of XXXX, only to be told that my spouse 's case had been transferred to another person, XXXX, who is a supervisor. I spoke with XXXX once and discussed a plan going forward. To this day, we have left her 5-6 voicemail messages and have not received a return call. Since speaking to XXXX, our address has changed so there could be notices being mailed ; however, we have not received anything. I can not update the address on file if no one is calling me back. Per my last conversation with XXXX, she was supposed to contact XXXX ( the company that handles payroll for my spouse 's job ), in order to confirm if my spouse 's garnishment had been satisfied. From there, she needed my spouse to sign documentation for a payment plan, so that there would not be another garnishment. We can not proactively get ahead of a XXXX garnishment if the collection agency refuses to talk to us. My last conversation with XXXX was on XXXX/XXXX/17, since then I have left her 6 messages, none of which have been returned. Also, my spouse has received some sort of notice in the mail stating that she will be garnished for 2 more payments of approximately {$120.00}. We need to understand why, if that is a part of the previous garnishment, if it is a new garnishment, etc. We need answers. From our understanding, this was a 2 part garnishment. We understand that the first part is currently in process ; however, we are attempting to work with this agency to prevent the second part of the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TD BANK US HOLDING COMPANY
State: HI
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:
Target called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the XXXX day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company XXXX XXXX refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: MARINER FINANCE, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This co. chose to take on an account that they were lied to about stating that it was in collections. They bought the account but never ever contacted me to tell me it was in collections. They just decided to place it on my credit without my knowledge. Now it's time to rectify the error they made and remove it. I didn't know this was on my credit until I got a copy of my report based on another dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My paychecks are being garnished without notification. I found out that MEDCAH, Inc.Served and Shared information with a 3rd party. A party I have no relationship or ties to. They continued through court, the courts Defaulted against me, and granted my checks be garnished. The 3rd party was Served at an address I 've Never resided. The person that received the complaint ( XXXX XXXX ) also refused to sign off on the return of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Genesis FS Card Services, Inc.
State: HI
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:
XXXX called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the 3rd day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company Genesis Fs refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX  PST on line from XXXX to a bank in Missouri. 
I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.

Company response to consumer: Closed
Consumer complaint received 2021-07-29
Company: ENOVA INTERNATIONAL, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Risecredit, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Information from addresses, Names spelling credit inquiries actually credit reports

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 2022-04-13
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I Originally informed Early Warning services of XXXX Fraudulent & Inaccurate Accounts that is being reported on my behalf over the phone Last year on XX/XX/2021 & XX/XX/2021. These Accounts were Fraudulent and Represented a Different Name, Someone Named : XXXX. My name is XXXX. Upon Speaking with Representative XXXX Id XXXX XXXX, I Requested To dispute these Fraudulent Accounts! Unfortunately, he was Ignorant to federal law in regards to the consumer & Essentially was unable to be of any help. I was Then transferred to the Supervisor XXXX & At this Point it had exceeded 30 Days of my Original Dispute and still there Wasnt any Remedy. So i elected to have my name completely removed from their system entirely which is my Right Pursuant to USC 1681b ( e ) ( 1 ) & XXXX acted as if he was unaware of the Law & unable to grant Me My Right of Election to be removed entirely from the System He was Representing. His English Was Equivocal & he was Also unable to assist me. After the Phone call i Sent & Faxed a Letter to their Company on XX/XX/2021 Explicitly Notifying them That i was Electing to have my name and addresses Completely Removed from their system. I Elucidated that they were in Violation of Federal Law and that i would Be notifying The CFPB if they are unable to Comply with Federal LAW. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation. I Have not been Able to Extend my credit to a Plethora of Companies because of their Inability to Report Accurate & Fair information on my behalf. I Am Now Demanding that they Completely Remove my Name from their system Or I will Be Seeking {$1000.00} Per Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: WI
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 XX/XX/XXXX, I submitted a complaint to CFPB regarding XXXX  's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, XXXX  failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, XXXX  responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : 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