BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
I had an issue with Shellpoint mortgage reporting the status and amount of a mortgage account which was incorrect in both the amount and the status, thanks to a compliance complaint that I filed with your agency previously my issue was partially resolved ( thank you very much ), but unfortunately the most important part of the reports accuracy remains unsolved, according to my agreement with them the account will be reported as closed and paid in full on all 3 credit bureaus ( see attached letter ), but unfortunately they are reporting as settled for less than the amount owed which adversely affects my credit, I need to request once again for your help to resolve this issue so I can move on with my life, if you have any questions please dont hesitate to contact me and once again thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Lincoln Educational Services Corporation
State: NC
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 reviewed a copy of my credit report and I show company LINCOLN TECH account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial states that this debt 1 is from XX/XX/XXXX with an amount of {$2500.00} that they put on my credit report as a late payment. When contacting Phoenix Financial Services they inform me that this account is from XX/XX/XXXX from a credit card that was not mine. A. These charges are not mine and B. They shouldnt even be on my account from 7 years ago. How do you even get away with this? I need and want this taken off of my credit. I had greatly improved my credit score and this false debt has lowered it tremendously by almost 50 points. I desperately need help with this matter. I look forward to communicating with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: NJ
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 card has not updated my balance which is XXXX $ with the credit bureaus.

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 2019-07-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was sent a card with a different number than the one listed for me under my account with the WA unemployment. It's impossible to get ahold of Key2benefits to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing in today in regards to my account with Capital one account # XXXX. I am writing today in regards to the two late pays reported on my credit file in XX/XX/2020 and XX/XX/2020. Due to Covid I had an issue making the payments as soon as I was able to I got those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter dated XX/XX/2017 from a company called XXXX XXXX XXXX ( attached ) stating they were the new owner of my credit card debt from XXXX. Subsequent to this letter, I have received numerous letters from other companies regarding the same debt. One even sent a letter with a fake XXXX XXXX logo on it. I received numerous phone calls on my phone ( work and home ) from someone threatening to file lawsuits against me for this debt. They also came to my home and left a card on my door claiming to be a XXXX County Courts Process Server. But the card did not include the court number or any other information. I have been getting letters from a several letters from supposed law firms wanting to represent me in this supposed lawsuit. I went to the public records as they stated in the letters and because I have no court documents or court number I couldn't find out any information. These people coming to my home over one credit card is an invasion of my privacy and makes me feel for my safety and for my elderly Father 's safety. He is very ill and these kinds of tactics are detrimental to his health. I have included all the correspondence but was unable to transpose the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Bread Financial Holdings, Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, XXXX Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have 4 stolen checks that were deposited likely using some kind of mobile app, to a Wells Fargo account. The checks were made out to 4 different persons or entity, and successfully cashed through  Wells Fargo by a person named XXXX XXXX. 
There are no bank markings, deposit stamps, or any form of identification on the checks that were cashed. It appears these checks were deposited using a mobile device app offered by Wells Fargo [ and I understand also XXXX offers this " convenience '' ]. There is no positive i.d . required. So the thief just puts the money in his account, waits for the check to clear, then draws it out. This system of making deposits MUST STOP. It is not going to work. I have not been unable to get any cooperation from Wells Fargo in tagging the thief, which they can easily do. Perhaps there is someone inside the bank working with him. 
I have filed all the reports I can locally with the County and DA. You need to pick this up and get Wells Fargo to cure this easy fraud. Anyone can do this, any time, any where. This is a very BAD situation for us as account holders issuing paychecks and payments on account by check.

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 2021-05-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collections account on my credit report from Credence Resource Management. XXXX said the debt began XXXX of XXXX, and is from XXXX XXXX XXXX. I called XXXX and they do not have an account under my name. I called the collections, Credence Resource Management, and they also do not have an account under my name. However, they are reporting it to both XXXX and XXXX and it is negatively hurting my credit. I believe either the collections agency is trying to collect a debt I do not owe, or they have the wrong person. Either way, they refused to take the collections off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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've reached out to credit to ask for them to remove derogatory information from credit reports, they advised they can not help me with my request. Payments were in fact made on account # XXXX. Derogatory information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear officers, I am sending this letter to inform you with that my previous lender HSBC did not complete their true investigation regarding unjustified extra charges they made into my account. HSBC charged me the extra amount of {$3400.00} on XX/XX/XXXX ( attach-1, HSBC bank payoffs items, recoverable balances ). 

HSBC stated that this amount was outstanding foreclosure fees incurred in XXXX. I communicated with HSBC several times and explained that this charge had already been capitalized and added to my new modified loan amount as indicated on XXXX loan modification ( attach 2 ). 

Per agreed executed Loan Modifications Agreement date XX/XX/XXXX between HSBC and myself, it is implied all late interests, and other amounts ( late charges, unpaid balances, interest penalties, foreclosure fees ) up to the agreement date were capitalized ( summed ) and new loan terms started based on the total sum of {$620000.00}. 

This above said amount ( {$3700.00} ), had not been disclosed in the Loan Modification Agreement as additional charges. Based on consumer protection act lenders must disclose all charges including late fees, extra payments, penalties and etc. directly and explicitly to consumers in advance. 
At this time, I kindly request both CFPB and HSBC look into this problem. I demand HSBC to disclose and prove that the said amount {$3700.00} was mentioned ( written ) within the agreed Loan Modification Agreement. 

I am unfairly double charged. My money should be refunded immediately. 

Thank you very much for your kind and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few weeks ago, I started to receive letters from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ut XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a TJXRewardsMasterCard that was applied for and immediately a purchase of {$140.00} was charged on it at TJX on XX/XX/XXXX, on the same day and at the same time. 
The first week of XX/XX/XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit TJX Master card. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted TJ Maxx on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX in XXXX FL to send requests to get my so-called application of XX/XX/XXXX. I also contacted XXXX XXXX today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from XXXX XXXX today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.

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 2019-03-26
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX  and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Account status incorrect

Complaint:
Trans Union is reporting false information about my account. 
For example, all the false statements as " Too many installments accounts with a delinquent or derogatory payment status. '' The above statement is completely false and not true.

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 2019-03-26
Company: Cordoza & Wexler Recovery Services
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voicemail from XXXX stating I needed to call back XXXX to avoid being served documents that were being filed against my social The caller gave their name, but the call was muffled so I could not make the individual 's name, They did not identify the company they were calling from. I called the XXXX phone number. A man picked up saying his name was XXXX. He did not identify the name of the company. I told him I received a message to call this number. he looked up the number I was calling from and said he was pulling my file from the attorney. After waiting on hold for a few minutes, the call was disconnected. I called back and woman named XXXX XXXX answered. I advised that I had been disconnected. She again looked up my phone number. After some time, she came back and said she was reviewing my file and saw where it stated that I had requested a debt verification letter to be sent. I told her that I did not even know what company she was associated with as no one had said who they were associated with in the calls. She then got very agitated and said " I can see why XXXX hung up on you then ''. She then disconnected the call. I called the number back again. XXXX again answered. I asked him what the name of the company was that I was contacting. He told me it was XXXX XXXX XXXX XXXX XXXX. I asked for the address. He gave me an address of XXXX XXXX XXXX XXXX, XXXX, NY. While XXXX was still on the phone, I XXXX the address he gave me and it came up as being a XXXX store. I told XXXX that the address he provided was for a XXXX store. He told me I was lying and that was their physical address. He then disconnected the call. I contacted the XXXX store at XXXX. I verified that their correct address was XXXX XXXX XXXX XXXX, XXXX, NY. I asked if there was a neighboring business by the name of XXXX XXXX XXXX XXXX XXXX. The associate stated that there was no business by that name that was physically located at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
inquiries on my accounts on my credit reports thats not mine.

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 2018-06-27
Company: PCR Group
State: NC
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've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: MS
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:
There are fraudulent accounts on my Equifax report resulting from identity fraud. I have tried to work with them as well as the creditors to have these items removed. Even with companies requesting a removal, Equifax refuses to remove the XXXX XXXX XXXX and XXXX XXXX accounts from my report. These accounts have already been successfully removed from my XXXX and XXXX  reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency, USCB AMERICA, is trying to collect an alleged debt I owe to XXXX XXXX in California. I expressed my desire to settle the debt it had been provided and was a justifiable charge. These would be the same requirements I need to submit to my insurance company in order to be reimbursed in a timely manner. 
No proof or document has been provided so far. All I receive is an incessant bill in the mail that includes interest on the alleged debt. I am not refusing to pay but I need to justify and prove to my health insurance carrier, in a timely manner, that I need to be reimbursed for the medical expense. I am 80 years of age and I am having difficulty getting the proof I need. I have written my healthcare providers and have not heard from them either. Please help.

Company response to consumer: Closed with explanation