BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-21
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly called. Asking for someone that is not even at the number. The number is a business number. They immediatley say the call is being recorded and when I ask them not to record, they wont. Which in Pennsylvania it is a crime, wire tapping, to record without permission or a warrant. They usually will not identify themselves or the company they are calling from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: 21ST MORTGAGE CORP.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I CALLED TO SET UP OR ASK FOR PAYMENT ARRANGEMENT WAS TOLD THAT I BROKE PROMISE TO PAY XX/XX/29. I WAS NOT AWARE OF THAT BECAUSE THEY SENT AN EMAIL TO MY OLD WORK EMAIL ADDRESS THAT STATED THAT I WAS NO LONGER THERE. THEY HAVE TRIED CALLING MY CELL PHONE BEFORE BUT NO CALLS CAME THROUGH AND I HAVE TOLD THEM THIS BEFORE. THEY CALLED MY HOME NUMBER BUT I DID NOT USE THAT PHONE FOR ANYTHING OTHER THAN WORK..I DID TRY ANOTHER OPTION IN THE BEGINNING TO SEE IF I COULD USE ANOTHER COMPANY TO PAY THE MORTGAGE PAYMENT UNFORNUTELY THE COMPANY DOES NOT PAY THOSE TYPES OF BILLS SO I LET THEM KNOW THIS. I HAVE EXPLAINED I HAVE BEEN HELPING OUT FAMILY AND HAVE MOUNTING MEDICAL BILLS. THEY SAID THAT THEY ARE NOT WILLING TO WORK WITH ME. THEY HOWEVER DID CALL XXXX  AND SPOKE WITH XXXX MANAGEMENT WHOM INFORMED THAT I WOULD BE GETTING SOME FUNDS TO PAY RENT AND THEY WANTED THOSE FUNDS. BOTH PARTIES ARE IN THE WRONG FOR SPEAK WITH EACH OTHER ABOUT MY FINANCIAL SITUATION. I WOULD LIKE A WORK OUT OPTION OR REFINANCE TO A LOWER PAYMENT. AT THE TIME I GOT THE MORTGAGE I HAD NO DEBT AND EVERYONE WAS HEALHTLY SITUATION HAS CHANGED SINCE ORIGINAL TIME AND NOW I HAVE AN OVERWHELMING AMOUNT OF DEBT. I NEED TO HAVE A WORKOUT OPTION OFFERED EVEN IF IT WAS OVER THREE MONTHS FOR THREE MONTHS I COULD MAKE LARGER PAYMENTS NOW THAT I AM GETTING BACK ON MY FEET. ALSO THAT YEAR I GOT THE MORTGAGE I WENT FROM EARNING {$100000.00} TO NOW {$65000.00} HUGE DECREASE THAT THEY ARE NOT WILLING TO RECONGIZE EITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-18
Company: Spring Oaks Capital, LLC
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:
XXXX XXXX. AKA.. 
XXXX XXXX XXXX. Sold this Account to Spring Oaks Capital. I Mailed a Validation Letter to Spring Oaks Capital. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and Spring Oaks in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and Spring Oaks for the Same Account. That is illegal according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir or Madame, Documentation was immediately sent to Capital One and merchant that {$2000.00} XXXX XXXX, 2022 purchase was made by mistake. 

Merchant will not communicate about resolving dispute. 

Capital One just sends me form letters ignoring the mistake and merchant 's refusal to communicate, with no apparent interest in protecting consumer rights. 

Capital One 's dispute personnel in the XXXX refuse to allow discussion with personnel with authority to fairly resolve the dispute, or acknowledge the facts. 

The Capital One dispute resolution process appears to be illusory. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have got my social security and birth certificate and California I 'd and my I 'd has been stolen once and my social has been used and does not match my name and I 'm the official XXXX XXXX XXXX my social has been used and misused without my concern and I unexpectedly get random letters or information I have n't applied for but this is my XXXX time I 'm XXXX and I refuse for my life to go down hill for something unusual I 'm not use tootoo. My I 'd has been stolen once in XXXX and my birth certificate got stolen last year of 2014 and my XXXX has been stolen from me last week. So all I have is my I 'd and that 's it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NOTICE OF ERROR AND REQUEST FOR CORRECTION XXXX This is in response to your letter dated XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of XXXX that initiated the contracts ) on XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XXXX. 
3. The rescission was proper, timely, and unchallenged by XXXX in " XXXX ''. 
4. XXXX I put a copy of the same written request in the hands of XXXX of XXXX. XXXX did not challenge the rescission in XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XXXX were rescinded and extinguished XXXX. 
7. XXXX did not acquire servicing rights from XXXX on XXXX, as there were no loans to service. XXXX can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by XXXX against my property were effectively rescinded in XXXX and were not a part of XXXX receivership by the FDIC in XXXX. 
9. XXXX 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to Seterus is unconscionable. 
10. Seterus has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of Seterus '. XXXX had a record of the loans with their corresponding numbers from XXXX from XXXX. 
11. Seterus does not service or recognize the above listed Mortgage contract identified with ID # XXXX. XXXX must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. XXXX needs to remove the deceptive assignments of Security Deed as XXXX did not acquire ownership to convey to XXXX. XXXX XXXX gained ownership of the defective paper in XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
THIS COMPLAINT MIMICS COMPLAINT ABOUT XXXX AS THE XXXX COMPANIES ARE ACTING IN CONCERT TO DEPRIVE ME OF MY PROPERTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Resurgent Capital Services L.P.
State: NY
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent Experian letters about two different accounts on my credit report. Requesting to verification of proof that I established. They never produced any original signed documents on XXXX nor XXXX XXXX These are unverified accounts. I do not own nether of the accounts

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 2015-10-28
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get a call every single day, sometimes multiple times a day, from a company called RPM ( Receivable Performance Management ). The number is usually from the XXXX area code. The latest was XXXX XXXX XXXX XXXX. 

I only know who they are because I looked up the number. If I do n't answer, I get a voicemail of a recording that says " This is a call from a debt collector. Please call XXXX ''. If I DO answer, I only get silence. At no point can I ever talk to anyone and tell them to stop calling me. 

I have no accounts in collection. I routinely check my credit reports. I just want this company to stop calling me. I refuse to call their XXXX number just because they use robocalling with no one on the other end to talk.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Receivables Performance Management, LLC
State: MI
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:
This was a duplicate account which was an error in reporting. I contacted the company and they verified it was an error. But they have yet to do anything about it. Every time I call them they keep putting me on hold for long periods of time and then hanging up on me. They hung up me XXXX times just today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Receivables Performance Management, LLC
State: TX
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:
This should n't have been placed on my credit, the consumer equipment was returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have the same bill on their XXXX and I have student on there that still say open that 's been on there since XX/XX/XXXX and XX/XX/XXXX alot of my school loans are over my 7 year thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint becasue Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requiredto promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Circle Internet Financial
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Back in XXXX I began using a crypto currency exchange called Poloniex. I put in over {$1500.00} in and watched it grow up to $ XXXX in XXXX. Some time passes and I log back into my account in XXXX and noticed my money was gone. The exchange force sold my crypto position, without my permission, at the price of {$1600.00} and said they sent my money to the state of Delaware even though I am from Massachusetts. I have been in contact with the state of Delaware 's office of unclaimed money for years now and they continue to tell me they do not have it. I have been patient and been asking for help. At this point I suspect unlawful actions and need expert help in getting my money back.

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