BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Westlake Services, LLC
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 had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2018 for a debt of XXXX from Transworld Systems inc. they claimed I owed XXXX XXXX XXXX   a debt. Ive never had an account with them so Im unsure why Im getting this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-04-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX, XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XX/XX/XXXXand should have never been assigned to them for collection. XXXX XXXX XXXX   is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXXafter the account was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit to my checking account with Citibank on XX/XX/2018. I deposited a check for {$130.00} and {$19000.00} for my HO claim opened with XXXX XXXX. The checks were made payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and endorsed by them and myself. I have been following up on my deposits and was told I would gradually have the funds available in the account. I was told that on XX/XX/2018 I was going to have {$200.00}, on XX/XX/2018 I was going to get {$400.00}, on XX/XX/2018 I was going to have {$4400.00}, and finally on XX/XX/2018 I was going to have the remaining amount of {$15000.00} available in the account. As of today, my funds are not available and was told checks have been returned. They are not giving me reasons why the checks got returned. I attempted to speak to a supervisor by calling ( XXXX ) XXXX and after providing all info requested so that they speak to my wife, she was told there was an emergency and that she would get a call back. XXXX, the supervisor, said she had a bad stomach ache and was needing to go to the bathroom. My wife was told she would get a call back within 3 min and it is XXXX PST and no call has been received. I attempted to get answers by chatting with a bank rep since they provide that option when you log on to the account and again, no information can be provided. I was told to call customer service. I need this resolved by the end of today, Friday XX/XX/2018.

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 2021-02-11
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft delete from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC Bank has blocked me from connecting my accounts to other services when try to use XXXX the connection was blocked. Called PNC about it and they said they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection appearing on my credit for an account that I did not authorize. The account appears to have originated from a lease agreement through an apartment. I have never resided at this residence. The information does not match anywhere I have ever lived nor conducted business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Siwell Inc
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My home loan mortgage name is Capital Mortgage Services of Texas. I am paying mortgage regularly. My escrow is for paying for home insurance. My mortgage failed to pay on time. Today, called my home insurance ( security first ) and was told my policy was cancelled due to payment failure. 
I am very disappointed about my mortgage company failing to pay. 

I may be forced to look for another home insurance. HASSLE>..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: UT
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:
Experian & XXXX  are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid

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 2021-04-22
Company: Experian Information Solutions Inc.
State: NV
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 some accounts listed on my credit report to include addresses that aren't mine and or that I have not lived at. Please remove them from 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 non-monetary relief
Consumer complaint received 2021-08-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage ( " PHH '' ) purchased my mortgaged on or about XX/XX/2021. All of my mortgage documents pre-PHH clearly indicate that my home insurance policy is not to be paid out of my mortgage account. The funds in my escrow account are only to be used to pay for property tax. 

On XX/XX/2021 PHH funded a check from my escrow account in the amount of {$1100.00} and sent it to my home insurance company. The amount of this check does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount. On XX/XX/2021 PHH funded another check from my escrow account in the amount of {$810.00} and sent it to my home insurance company. The amount of this check again does not reflect my annual home insurance premium and it is unclear to me why a check was processed in this amount.

I have contacted PHH on numerous occasions to make it clear that they did not have my authorization or permission to utilize the funds in my escrow account to pay for my home insurance. Beyond that, they made these unauthorized payments to my home insurance company on two separate occasions in amounts that do not even accurately reflect my home insurance premium. 

I have continued to contact PHH and express concern that they will raise my monthly payments because of the deficit in my escrow account -- which they created. 

PHH has failed to return any of my calls or messages in over a month. 

I feel I have no other recourse but to submit a claim that : 1 ) PHH accessed funds in my escrow account without authorization or permission, 2 ) PHH has caused a deficit in my escrow account which will likely increase my monthly payments due to their unauthorized access and through no fault of my own, and 3 ) PHH has failed to address any of the concerned detailed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Transunion has a block on my account. I want it removed

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 2020-05-02
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
this account was paid and i ask them to remove from my credit which they did not when i ask do they pay for delete they said they did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third time I have attempted to resolve this charge that is not mine. XX/XX/19 the company told me within 30 days the charge would be changed on my credit report. XX/XX/19 the company said they sent a letter to the original lender ( which I dont recognize either one of these companies therefore I suspect fraud ), however nothing has changed in the past three week. This is my third attempt to resolve this. Midwest Recovery Systems sent me something in the mail to file fraud but it required me to write all my information including my social security number. Tell me, why would I send a paper with all my information to a company a suspect is committing fraud against me? That doesnt make sense AT ALL. I demand this debt be taken off of credit report. I know there is no evidence that this debt is mine because I have never even had contact with this original lender. I will continue to report this until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX in XXXX XXXX Nc XXXX / flooded my apartment with sewage the spewed from toilet all over the apartment around 2/3 Inches / do to a tree on the property that had grown and had put pressure on the pipes. They refuse to clean the sewage and force me live in unacceptable conditions / I abruptly moved they are staying on my credit report I own XXXX this fraud and unacceptable living conditions / I have notice by written signature before lease was to renew manger is a fraud and I will contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX and various other dates on XX/XX/XXXX called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller XXXX XXXX is the agency XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the Collection from Diversified Collection agency w/ XXXX . XXXX has yet to provide me proof that the Collection agency has validated the debt to them. I called and spoke w/ Diversified Collection agency on Monday XX/XX/18 and was told they were waiting on the Original creditor ( XXXX ) to get back to them. I have been disputing this debt since XXXX. I was never told about this debt and Diversified collection agency has never notified me regarding the debt. THIS DEBT HAS NOT BEEN VALIDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX, Team Leader of Wakefield & Associates, Employee # XXXX has continued to call and harass me and my family. This debt is from XX/XX/2013 and should have already been resolved and removed from them and my credit, as I am have been employed with same company for 15 years and held valid health insurance the whole time. The rest of this debt was paid already by insurance, this is the outstanding. This debt is not mine, as it was to be paid by employer provided health insurance. I have advised them of this numerous times and they continue to call and harass. I asked them not to contact us until the health insurance does their portion to resolve this, yet they keep calling.

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 2019-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is for XXXX and Equifax. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX XXXX site on XX/XX/XXXX that they would do. The exact language was " XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XX/XX/XXXX, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against XXXX and Equifax at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with XXXX, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called today to Experian trying to have all personal statements and fraud alerts " removed '' in addition to the notices that state that my address is a commercial address ... when In fact it is a apartment building that is my residence. I was instructed to upload documents online but even with using the appropriate extensions it will not upload .... so this is another request to please remove all fraud alerts and REMOVE the notice and all comments or personal statements from my credit report .... this is a hinderance as I am currently seeking a mortgage.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.

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