BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an email notification from my credit monitoring service that a collection has been added to my XXXX   credit report by a company named XXXX XXXX XXXX for a XXXX account that I do now owe. The XXXX account was from XXXX and has been removed from my credit report years ago. This collection company, XXXX XXXX, has never sent me any correspondence regarding an old debt they purchased from XXXX. The debt does not belong to me. This collection has damaged my credit score by almost 85 points! I will be filing a civil action against this collection company for reporting a debt on my credit report that I do now owe. At this time, I am requesting CFPB to investigate this matter for this collection company to remove this alleged debt from all my credit reports. Further, I am requesting certified correspondence sent to my address and recorded statements indicating I owe a debt to XXXX XXXX XXXX. I am attaching documentation showing proof that the XXXX matter has been disputed and resolved more than two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filing a complaint against MEDICAL DATA SYSTEMS I a medical debt collector and XXXX, XXXX  and XXXX   Credit reporting agencies. The complaint involves MEDICAL DATA SYSTEMS I reporting a collection on my credit report knowing that the Insurance company XXXX XXXX XXXX XXXX is responsible for the unpaid medical bill. I have contacted XXXX XXXX XXXX XXXX and they have confirmed that I have insurance and that they will pay the bill once received from MEDICAL DATA SYSTEMS I/XXXX XXXX. I have also contacted MEDICAL DATA SYSTEMS I and they agreed that the bill would be placed back in their insurance division and not collections. 

I filed a dispute with XXXX, XXXX and XXXX  explaining that this bill should not be a collection because the insurance company has agreed to pay the amount of {$2200.00} for a medical bill that is covered under my insurance. 

MEDICAL DATA SYSTEMS I reported again that the bill was a collection, knowing that they had been in contact with XXXX XXXX XXXX XXXX and they verified that insurance would pay the bill. 
MEDICAL DATA SYSTEMS I is fraudulently reporting information to the credit bureaus that they know is incorrect. I am requesting to have this derogatory information removed from my credit report. I also want to add XXXX, XXXX and XXXX to this complaint for willingly participating in this fraud. I have attached a letter from XXXX XXXX XXXX XXXX confirming the mistake and pending payment

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 2018-06-26
Company: Williams & Fudge, Inc
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I sent a letter to each of CapitalOne and its affiliates Cap One NA & Capital One all as appeared on my credit reports. Each letter outlined credit inquiries that I have no knowledge of. I requested any and all documentation be mailed to me that proves permissible purpose to have my credit pulled & reported ( as outlined in the FCRA Sec. XXXX ). I then received a response from Capital One on XX/XX/2021, Acct Ending in # XXXX, Case Number : XXXX the letter did not contain any information or documentation in regards to my request for permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today ( XX/XX/2018 ) I called chase bank in regards to mine and my husbands joint account. Our debit cards were declining and my husband was not able to access his bank information through his phone. They informed me that our account had been restricted and that they decided to end their relationship with my husband. No reason given, in fact we were told they did not need/have to disclose that information. Were supposed to call them back tomorrow when the banks are open so they can approve or not approve the branch to release our funds to us. My husband is in the military and this is not our idea of customer/military care!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I had a late payment on my XXXX XXXX home mortgage that was reported in XX/XX/2020 and was recorded XXXX by the other two credit bureaus. Transunion has this late recorded as XXXX creating the appearance of multiple months where payments were late/missed when it was only 1 occurrence.

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 2022-12-18
Company: SYNCHRONY FINANCIAL
State: FL
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:
Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX  is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.

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 2020-11-14
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of my Mortgage Agreement, United Wholesale Mortgage is responsible to make property tax payment to my township. However, they have failed to do so which has put my property under tax sale by the township. Below are the sequence of events that have taken place : XX/XX/2020 : I received statement from township stating that partial payment of property tax is due by XXXX XXXX 2020. 

XX/XX/2020 : Since I have an escrow account with United Wholesale Mortgage, I emailed their customer service and tax departments about same with township tax statement attached. Their customer service acknowledged the email by giving a reference number ( Incident : XXXX ) and mentioned that they have forwarded to their tax department. 

Subsequently, I called customer service and I was told since there is a grace period of 10 days, tax department will be carry out payment by XXXX XXXX 2020. 

XX/XX/2020 : No payment was made so I called customer service daily starting XXXX XXXX 2020. Since no action was taken and only promises were made, I started sending messages to customer service from XXXX XXXX 2020. Since even the grace period given by township was expiring on XXXX XXXX 2020, I called them on XX/XX/2020 and they mentioned that their tax department has taken care of payment on XX/XX/XXXX I personally visited township tax department on XXXX XXXX 2020. They mentioned no payment has been received. Again, I requested United Wholesale Mortgage to send me the proof of payment and mode of payment so that I can take up the matter with township. Though my escrow account is debited on XX/XX/XXXX for the amount, till today XX/XX/2020 XXXX, township has not received payment and have put property on tax sale as well as started charging interest starting from XXXX XXXX 2020. 

I am attaching following : 1. My first message on XX/XX/2020 to United WholeSale Mortgage along with their acknowledgement, asking them to carry out the remainder property tax due on XXXX XXXX 2020. 
2. My township 's snapshot of the proof of payment not received as of XXXX XXXX 2020, with a title 'This Property is in Tax Sale '

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On several occasions I tried to explain that I sold this car ( XXXX ) to the dealer and purchased another one from them the XXXX. In additioni paid the dealer almost {$5000.00} which included all fees, taxes etc., etc. Now 6 months later the leasing company XXXX XXXX XXXX decided that I owe them {$460.00}. I don't owe them anything. If there was an underpayment, it is the Dealer who owes the money, not me. 
Now, they are playing games with the credit bureaus, reporting me as delinquesnt. As a result my FICO score has dropped 50 points which means my credit worthiness is below the good line.

Terrible business whereby a large giant foreign company can manipulate my credit score. I am  almost XXXX years old, pride myself as being a good citizen and honest person and one whopays his bills on time. All my accounts are up to date except Hyundai. 
They are completely unreasonable, knowing they are hurting my credit they refuse to remove this from my account. Well, I will not pay for something I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account had fraudulent activity and was reported on XX/XX/XXXX and a claim was entered. Account has been frozen ever since with the inability to access funds ( including accessing new deposits ( weekly payroll direct deposits ). Bank has frozen debit card and rejected automatic payments to creditors, bill payments etc. 

In addition, I was advised to open a new account by branch banker, and redirect direct deposit last Thursday. I opened a new account and made a transfer from a savings account from another bank to fund the account which has had now been frozen as well with the inability to access those funds as well. This process is causing me to have no access to any of my funds and miss payment obligations and incurr additional fees due to returned payments and late fees!

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 2022-10-04
Company: CARCO Group, Inc.
State: GA
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: Information belongs to someone else

Complaint:
Intellicorp ran a background check for the XXXX to renew my credentials. On the report an address was listed as belonging to my history and it is incorrect. I never lived there or used that address. 

Address in question is : XXXX XXXX XXXX, XXXX, FL XXXX Please have this removed from my history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
Company reporting incorrect information on my 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 2018-06-26
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he  told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a request with Experian to have a collection account removed. I do NOT have a contract with the collection agency trying to collect the debt, therefore it is inaccurately being reported on my credit report. The collection agency also accepted the terms of an agreement for the alleged debt when payment was accepted. This account need to be deleted. In a prior complaint Experian stated this account was not referenced on my credit profile. However it is still listed. I also never received any credit report from them showing the deletion. They are the only credit bureau being difficult in this matter.

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 2020-08-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a old debt. Some how the dates were changed not accurate. It says Estimated month and year that this item will be removed : XX/XX/XXXX. It also says TD BANK USA/TARGET CREDI # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX number not available Date Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XX/XX/XXXXLast Payment XXXX Pay Status : >Charged Off<Terms : Paid MonthlyDate Closed:XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX for {$140.00} and in XX/XX/XXXX for $ XXXX High Balance : High balance of {$550.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

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 2019-03-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Im reaching out because somebody at equifax screwed something up yet again, so im sending this in to basically say, please FIX THE ISSUES!! I sent in a cfpb complaint about equifax on XX/XX/XXXX or XXXX and received a reply pretty quickly, They didnt answer any of my concerns, like, at all, but thats a different issue, my point is they said they sent me my credit report, but i havent received it yet? The one that took three months to get as of XX/XX/XXXX and im hoping wont take another three months. I do have an open complaint with equifax at the moment but please dont mix that one and this one up, my only concern in this complaint is where is the report i was promised on my previous complaint? This is way longer than 10 business days!

Company response to consumer: Closed with non-monetary relief