BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services never informed me properly of a debt and had my address information incorrect. They then reported the collection to the credit agencys in which I called the original company XXXX and ensured the debt was taken care of. Yet I never reviewed or received a written notice in regards to this debt. They have now marked it as paid but have refused to delete the account even though both companies have confirmed they had the incorrect information on me. Theyre negatively impacting my credit and going against my rights of being properly notified. I have disputed this debt with all three credit bureaus after the collection agency refused to delete the debt. If this debt is not resolved and deleted off my credit I will be getting my attorney involved and will sue for false credit reporting for not being properly informed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I just ( XX/XX/2021 ) get this suspicious mail from Transworld Systems INC. With a claim that I owe a debt. Details as follow : File number : XXXX Invoice # : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX The debt amount is {$360.00} The address on the envelope was wrong ( wrong ZIP and State ) I do not recognize this debt and believe that is a fraud. I send a registered mail to the company with a request for additional information. Please advise what to do next. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Southern Management Systems Inc.
State: OH
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 2023-01-22
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have mailed two separate certified letters one with proof address and the second letter is my social security number. Equifax sent me a letter requesting this information again. this a stall tactic. Equifax didn't investigate my request and didn't provide me with any proof of their finds but yet I'm met with a stall letter. Requesting proof of my address and identity again. Equifax is refusing to provide proof of bankruptcy on my credit report, it may be due to a lack of proper identification or documentation. 

Mailed date is XX/XX/XXXX Mailed date is XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXXXXXX XXXX XXXX acct : XXXX Santander consumer usa XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife Ocwen loan servicing acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: FL
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:
As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
hello I have paid off the accounts on my collections and also received letters stating I paid them and was told that they would be taken off my report for almost a year I have tried to contact these companies on my credit report to have them removed but they are still on there.my XXXX  score for all XXXX reports have not changed at all, I have also disputed these accounts and nothing has changed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a car from XXXX XXXX XXXX that was financed by credit acceptance. They have charged me 22.99 % interest and double the car price.

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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX an identity fraud took my driver license and went to a Chase branch in XXXX to perform an unauthorized wire transfer. They were able to issued {$18000.00} out of my checking account plus added {$40.00} fee including wire transfer fee and card replacement fee. The impersonator was able to do that with just a driver license without an account number or debit card. I filed a claim with Chase as soon as I saw the suspicious activities through email. I also worked with the local police department and they started their investigation. 

Chase claim department denied my claim in a week, they said due to the lack of evidence. Since then I have tried to fax them information about my whereabouts to prove that this is an identity theft case. After multiple attempts of faxing them the documents, they said they do not need this but a police report. I got the police report from the detective on XXXX. Since then, I have tried to fax the Chase claim department the report but they gave me the wrong department fax number every time. I have tried at least 10 times on faxing them the report after spending hours on customer service. Finally I was able to speak to a supervisor on the claims department and he direct me to the right fax number and mailing XXXX XXXX XXXX XX/XX/XXXX. This time they received the report electronically and in mail. Today when I call back to ask for the status of the claim, they told me the claim is denied again and there is nothing they can do to recover my funds even the police report has stated that this is an identity theft case and also I have a XXXX case with the state police. Not only they denied my claim, when I tried to inquired further, they hung up on me.

Since the claim was opened with Chase, I have spent many hours speaking with customer service, running around to local banks, getting stressed about whether they received the fax or not. They often route me to the wrong department over the phone and have told me a wrong fax number many different times. They denied my claim base on that was a valid ID and the Chase branch was within 30min from my home location. Despite I have evidence from both XXXX and the Police that it's identity fraud. It's not my fault that the identity theft took my ID and did fraudulent activities. I should not take the loss, Chase should have a better fraud prevention at the first place. They didn't require a second identification despite the large amount of wire transfer. Also the woman shown in the surveillance footage does not resemble me other than we are both XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error:1.TransWorld Systems Inc : {>= $1,000,000} XXXX XXXX XXXX, CO XXXXPlease validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. Under the FDCPA Act, I am requesting proofof this debt:1.Original contract that bears my signature as a promise to pay2.Itemized account charges for the full amount requested as well as any payment history3.Proof of license to collect in the State of Florida4.License # and Registered AgentIn the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: REGIONS FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I WIRED Transferred {$100.00} from XXXX XXXX XXXX account to Regions Bank Account # XXXX. The same day it arrived the bank stole 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 explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
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:
Equifax did not do what they say they would do. After submitting a dispute challenge letter to ( Equifax ). The company finally responded. ( Please see attachment for further details ). 

XXXX XXXX XXXX XXXX : Account # XXXX This account can not be completely validated or verified by Equifax. A violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$85.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on forbearance and when I got out, I had the option for loan modification. I was told I will have to pay 3 months trial payment. I paid the mortgage company monthly trial payments right on time or even before the due dates but they didn't report those payments to my credit agencies. They reported them as no payments or missed payments and 60 days late. 
I'm trying to get a loan but it's now in risk because of these incorrectly reported miss payments. All I need from this mortgage company a letter that stated I didn't miss the payments and I made the payments on time but they haven't issue me this letter. Please help me. I have all the proof of payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: HYUNDAI CAPITAL AMERICA
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:
Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : XXXX XXXX XXXX : KIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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:
My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- Eastern Account System, XXXX XXXX XXXX, XXXX Destiny, XXXX XXXX XXXX, The XXXX XXXX XXXX, and XXXX XXXX. Certified mail was sent out on XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23. 

I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening. 

On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account. 

In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX  XXXX  and reps from XXXX XXXX  confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue. 

After the rep had confirmed the numbers for me, I logged into my XXXX XXXX  account got another XXXX  based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23. 

I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.

Company response to consumer: Closed with monetary relief