BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Possible Financial Inc
State: TX
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX  XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am brining to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2018, I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report.. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: WELLS FARGO & COMPANY
State: GA
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:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

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 2018-05-05
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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:
XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX  was explained that information

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 2020-06-30
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortagage coupon payment book ran out in XX/XX/2020. We contacted the mortagage institution and requested a new payment booklet in XX/XX/2020. We did not receive a booklet but the institution has been sending us monthly mortagage statements since then with a payment coupon attached. We did not receive a mortagage statement for the month of XX/XX/2020 so we contacted the institution by phone on XX/XX/XXXX to inform them of nonreceipt and make a payment before the end of the month ( so it would not be past due ). The agent indicated that the mortagage statement was sent on XX/XX/XXXX which he considered in a timely manner. We explained that the XX/XX/XXXX date would not provide enough time for the statement to be received by us and then for us to submit a payment to be received by the mortagage institution before the end of the month. So we did not consider it timely. The Agent indicated he could recive a payment over the phone but we would be charged a fee. We explained that since the mortagage statement had not been sent to us in a timely manner and that we are current on our loan we therefore, should not be charged a fee for making a payment over the phone. We explained further that if a payment booklet had been sent to us as requested in XXXX the issue of timely receipt of the mortagage statement would not occur and our payments would be made to the mortagage institution timely. We again requested a payment booklet which the Agent indicated that there was no record of a request being made for a payment booklet in XXXX. 
We consider the mortgage institution 's practices unfair and they result in late loan payment submission that can have a negative impact which we can not avoid. We consider that the mortagage institution was unresponsive to our request when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: VA
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:
There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and Equifax, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX  XXXX XXXX XXXX. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity.

The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- XXXX XXXX XXXX.

Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- XXXX XXXX XXXX- is attempting without validation or proof.

Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XXXX- to Equifax via priority- detailing the illegal efforts to collect of an validated debt. Response XXXX XXXX- this account has been in question since XX/XX/XXXX. Equifax refuses to report method of validated or methods investigation. 
Yet still reporting to Equifax- I have sent certified proof of this fraud and illegal efforts to collect. Equifax denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX Direct payment funds withdrawn from bank account and deposited to ChaseVisa for {$12000.00} Rolling and other charges declined on card XX/XX/XXXX XX/XX/XXXX called Chase and was told that even though they have my money that wont credit the payment until XX/XX/XXXX even though they acknowledge they have my funds. This took two calls and three people, including XXXX the supivisor who was rude and condescending. 

They won't do anything about that so my rolling accounts will continue to be declined until funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alliance Collections is attempting to collect a debt that I had already paid. I had a medical bill that was unpaid because XXXX XXXX was sending it to the wrong address. When I found out about the bill, I contacted Advocate and paid it. Despite this being paid, Alliance Collections is calling me several times a day trying to collect.

The contact information for Alliance Collections is as follows : Alliance Collection Agencies , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Collections Department - ( XXXX ) XXXX General Information - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Union Home Mortgage Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Union Home Mortgage offered 3 months with no payment last year after the hurricane. We didn't pay for two months and then restarted payments. In XX/XX/XXXX & XX/XX/XXXX we paid an extra {$160.00} for a total of {$320.00}. In XX/XX/XXXX we received an annual escrow account statement that showed we were due a refund of {$1900.00} for overpayment of escrow but " due to delinquent status ... we will retain your surplus. '' We called Union Home Mortgage numerous times to ask that the surplus they we holding please be applied to to what we owed. We talked to first one person and then another with no answers. One person even suggested this money was put back in our escrow to which I asked why, as it was not needed there. No one can give me any answers, however, they are going to start foreclosure XX/XX/XXXX. This company has offices all over the place and 5 addresses that show up on our statements. It is impossible to ever speak to the proper person. They transfer from one to another and NEVER TO THE RIGHT PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can send copies of the trial payments a little later, I am not home at the moment, My problem,,, I fell behind at seterus mortgage and after talking to them they agreed that if I make 3 trial payments on time my mortgage will be permanently modified. 
Sent in payment 1 and got a letter saying the funds were insufficient and placed in a suspense account, Same day got a letter saying my loan was sold to XXXX XXXX. 
I'm afraid that seterus is using this strategy to negate the lower trial payment agreement and forclose. 
Thanx.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
review the following accounts that appear on my credit report, do not belong to me, and are hurting me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Professional Finance Company, 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 have submitted several disputes to this company about a medical bill that they have listed on my credit reports. 

I have insurance I have never been notified by the a hospital or this company that there was an outstanding balance! 

I only knew about this company by reviewing my credit reports! 

I submitted a dispute letter to the credit bureaus and the company never sent me any verification that these bills they are updating on my credit file belongs to me. 

I never had any contract or obligations with this company and they are reporting unverified incorrect information to the credit bureaus every month it was just updated on XX/XX/2020 This is really hurting my credit profile during a national pandemic and the company isnt supposed to placed unverified information on someones credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a large payment ( $ XXXX ) through the Fedloan Servicing online portal. 

I intentionally targeted the payment to my unsubsidized federal loans with the highest interest rates.

Fedloan Servicing proceeded to re-apply my payment to the lowest interest subsidized loans first and leaving an outstanding balance on my highest interest unsubsidized loans.

I believe there are malicious and potentially fraudulent processes in the Fedloan Servicing collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: TX
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 contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on Experian. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

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 2018-12-21
Company: General Motors Financial Company, Inc.
State: GA
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:
GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX   XXXX and XXXX!!! If this is not taken care of I will seek further assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

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