BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?

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 2017-03-31
Company: AFNI INC.
State: NC
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:
My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient has not responded to a request for forbearance that they said I was eligible for. I told them I have no phone access during the week or until after XXXX p.m. on Fridays, due to XXXX rules. I sent in the required paperwork. I 'm sending it again, along with the required {$150.00} " good faith '' payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently a full time XXXX student. I can not afford afford to be making payments on my loans at the moment. During my XXXX years I took loans from XXXX that I was told I wont have to pay back until I graduate. My loans have been transferred to Navient and they are asking me to make a payment in 2 weeks or default on my loans. I asked if I can make a smaller payment or with holds payments for XXXX years until I graduate but they refused. Right now, I do n't see any option but to default on my loans. Is there anything you can do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
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 HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Consumer Financial Debt Services, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-10
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been receiving phone calls from XXXX threatening me with legal action for a bad check and loan and to settle the account with them, but would not provide any details on where this orginated from. I know for a fact I have not written a check in over 15 years and nor am I delinquent on any loans and or credit cards I own. This company called themselves XXXX and had my personal information to include SSN, old contacts of mine and previous old addresses. I checked this number and saw several complaints regarding the same issue and when I called them back to call them out on their fraud and identy theft, the gentleman on the phone became threatening and disconnected the phone call.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is in reference to my ongoing dispute with bank of America case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will " INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her " findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she " responded ''.

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 2018-05-29
Company: EQUIFAX, INC.
State: CA
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 tried to correct $ XXXX added to my bill by XXXX XXXX directly with them on a special type of order they allow. They claim I didn't pay it off. However I have bills showing it was paid down to under {$50.00} prior to the due date of XX/XX/2018 I sent them all of the billing statements proving that. I even filed a complaint with you and the XXXX XXXX XXXX  on this same issue. It was neither resolved or corrected by either agency. Instead it was allowed to fester. I disputed it with all of the bureaus and sent the same exact evidence to them as well. They too ignored it and sent it back with the same incorrect balance not having been resolved at all. I don't believe they did anything other than send them some ticker tape notice saying I disputed the item. I sent them a lot of paperwork that cost me a lot of money to dispute this and explained the situation. They treated it like any other dispute and didn't resolve nor even try to handle it with the proof provided. They just disregarded it and sent me a useless report not saying anything! I refuse to pay XXXX the money I don't owe them and will end up suing them when I get the balance low enough to that point. I don't think a judge would agree with them if this is not resolved this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored 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 non-monetary relief
Consumer complaint received 2016-06-16
Company: Citi Management Group, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-04
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.

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 2022-04-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Victoria Secret, Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received the attached notice from PHH MORTGAGE SERVICES regarding a supposed error the company made in adjusting my rate on an existing reverse mortgage I have with the company. The letter states that I was notified of a change in the rate on my XXXX Statement but the company in doing a review of my account they realized that the increase had NOT be applied back in XX/XX/2022 when it was supposed to have been done. They now state that they will retroactively apply the rate increase from XXXX balances. I find it odd that since I had filed a previous complaint with the company back in XXXX that they would just happen to be reviewing my account. But I am also wondering can the company make changes to my interest rate RETROACTIVELY and then adjust it on the current statement moving forward? I would also like a description of how they arrived at the new interest rate. 

I have attached the notice they sent me as further explanation of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The account is a pay day loan from 6 years ago. I never paid this account late, it was automatically taken from my account. The company refuses to admit the information is not correct however, I have sent Transunion the information from my account which can still be accessed online, I will attach this information. There are two issues with what is being reported, first if XXXX XXXX gave me XXXX pay day loans at the same time, they violated the law. Second, they even report the account was paid and never late, which means they are reporting false information. Yes I was young and dumb getting this payday loan but there is no reason for them to report false information unless they are doing it to hurt credit scores so people like me ca n't get conventional loans. I gave this information to Transunion and they told me that, the reporting company reports the information and they just put in on account, I asked even if I supply documentation showing it was paid and never late, they said yes, it is up to reporting company. Because the reporting company refuses to change and they mailed me something saying their records show I paid late but yet online records show it was paid and never late. So credit bureaus wo n't take evidence from normal consumers but will take information from companies as legitimate even when seeing receipts and documentation disputing what the company claims in the reporting. So consumers are now required to sue the company and credit bureau to get this inaccurate information removed. How is this possible?

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