BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the XXXX XXXX website regarding the Transworld system XXXX XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez XXXX XXXX XXXX XXXX, SC XXXX On XXXX I paid off a home loan. On XX/XX/2020 I received an escrow disclosure. For the last 7 weeks I have been trying to get my tax escrow refund from NewRez. I have called numerous times and talked to numerous people that work for NewRez. All of them have assured me that the refund monies in the escrow account would be sent to me. I contacted them on XX/XX/2020 and they told me the check was mailed on the XX/XX/XXXX. I called about a week later and told them I hadn't received the escrow check. NewRez told me to wait a few more days and call back if I didn't receive the check. I called on the XX/XX/2020 and they told me that they would wire transfer it to my banking account. I gave them all the information they need to do the transfer. I receive a call on XX/XX/2020 from NewRez saying that they transferred the funds to my banking account. The funds never showed up. I contacted NewRez on the XX/XX/2020 and they told me the transfer was on hold? I called the next day and they told me the escrow check had been mailed on XX/XX/2020. I also asked for some one to call me regarding this problem. I called today XX/XX/2020. And informed them that I have not received the check and no one has contacted me. Today XX/XX/2020 they told me they were going to wire transfer the money to my bank. Some one from NewRez would be contacting me. 
I need help!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and XXXX immediately they do not even list account numbers on my fico reports!!!

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 2019-05-22
Company: Credit Karma, LLC
State: OH
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:
XXXX reported to Credit Karma that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: BHFC Financial Services INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I lost my wallet riding in an XXXX. I explained to Wells Fargo that my wallet was stolen where someone fraudulently ran up charges on my credit cards totaling XXXX and Wells Fargo debit card. I have these transactions outlined below all taking place on XX/XX/2021. I spoke with a young lady today by the name of XXXX who did not want to help me at all and was very disinterested in reviewing my concern. I need help. I am not rich. I am struggling and I support myself. Please hold Wells Fargo accountable. Her reason for denying my claim is that the criminal knew my pin. How could I know How they accessed my pin?!?!!! My PIN number was XXXX. The house number of my old address. Which was listed on my old ID which was also in my wallet that the Criminal stole. Please help me in retrieving my funds. XX/XX/XXXX was a Wednesday, my work calendar reflects I was in back to back meetings. This absurd. I need my money. 

{$100.00} {$2.00} {$100.00} {$110.00} {$100.00} {$200.00} {$1700.00}

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 2018-09-14
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. 

XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX  XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. 

I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. 

Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have requested for Experian to investigate into some existing Fraudulent accounts on my credit report. I have supplied Experian with a copy of my police report, FTC report, requesting for fraudulent activity to be suppressed. Experian CB has failed to comply with FCRA in reference to victims presenting with identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraud charges in my account from XXXX Hi, I am not sure how long this has been happening, but I just realized last month I had XXXX I think had charges from XXXX. I know I had some charges before applied from my account without my authorization and it was phone payments. 

I do only banking and had set up one payment. This time I changed the account and made the payment but still someone called and charged {$150.00} to my debit card and it was a fraud I know XXXX XXXX also has charged off one of my account and put my report and whole jobs due to that and I do believe some fraud happened under my name In XXXX XXXX. 

Someone has been taking money out and not sure how long this has been happening. 

I reported but never got help and someone is calling saying they are XXXX. 

XXXX Payment Reminder : Visit XXXX or call XXXX TTY XXXX to make pymt on your XXXX Credit Card. To opt out of texts reply STOP These are fraud. 

I told XXXX not to take payment over the phone due to this fraud. 

They have to fix my account and have to stop. 

Please take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, equifax and XXXX immediately they do not even list account numbers on my fico reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: ENCORE CAPITAL GROUP 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 was told by midland credit company, if collection debit is paid in full ( Pay to delete ) will be off my credit. It is still reporting in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Self Financial Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I noticed that my credit went down. I dont remember when. I haven't missed a payment. I asked the company self why. They said I opened or closed an account and that my credit will fluctuate. I closed one thing a long time ago. I was already penalized for it. There shouldn't be any fluctuations. That isnt a thing. As of currently I haven't opened or closed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never notified of any debt from XXXX XXXX XXXX . They Sent bill to collections phoenix Recovery group, showed up on my credit. I personally went and spoke to that apt . complex where I was told there is No contract. There is also no history of me ever living there!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Equitable Acceptance Corp
State: SC
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:
The Equitable Acceptance Corporation fraudulently obtained my information from the XXXX XXXX company. Both XXXX  XXXX and the Equitable Acceptance Corporation contacted me in correlation to my student loan debt which are through the XXXX XXXX XXXX. After further research, both companies have proven to be fraudulent and are in no way associated the Department of Education and the repayment of my student loan debt. There has been an inquiry and " credit card '' balance added to my credit report, which has drastically degraded my score. These companies knew that they made false accusations to obtain my information and could not resolve my student debt. They have produced false documentation and false information under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : DEPTEDNELNET  XXXX XX/XX/2018 ( Multiple Accounts Reported ) I am not sure how this happened, The late remarks started late 90 days right after a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
someone stole my identity and hacked my old accounts. XXXX, XXXX, ect. sent me XXXX, demanded money, i dont know how to address this situation ...... 

all for me to open he chime app and download it on my phone which i did then i an enable the two way authenticator and they stole my identity that way my passwords everything. 

i dont know who this person was. 

but chime might.. i have a gmail account linking me to this person. i will attach it here. 

i spoke to chime today on XX/XX/2021 at XXXX XXXX  and informed them that i was XXXX XXXX XXXX and wanted this account closed and that i was a victim of identity theft scams and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2019-01-09
Company: EQUIFAX, 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:
I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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: Information belongs to someone else

Complaint:
There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.

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 2018-04-09
Company: Resurgent Capital Services L.P.
State: NJ
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:
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage consistently mis-applies my monthly payments to the incorrect accounts. In this most recent example, an additional principal payment of {$3000.00} was applied to my escrow account. They really are a very poor mortgage servicer.

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