BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX  violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: The CMI Group, Inc.
State: SC
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:
Status Company responded on XX/XX/2018 Response Type Closed with non-monetary relief Company 's Response XX/XX/18 Response : Upon receipt of this complaint, we thoroughly searched our database, but did not find any account under the name XXXX XXXX at an address in XXXX XXXX, SC. We did find an account under that name, at a different address in South Carolina with a similar balance, but since Ms. XXXX did not provide the last 4 digits of her Social Security number or her date of birth, we can not confirm that this is the account in question. However, the address she stated as being incorrect in the ID theft affidavit ( XXXX XXXX XXXX, XXXX XXXX ) matches the original address on this account, as provided by our client. We have been working as a third party, attempting to collect the debt on behalf of our client and were given permission to report the unpaid balance to the credit bureaus by our client. Credit Management did not steal or fraudulently use Ms. XXXX personal information. When we reported the unpaid amount to the credit bureaus, we did so under the name XXXX XXXX, at the address on XXXX XXXX. The credit bureaus associated the debt with the complainants credit report, using that address. Credit Management has never received Ms. XXXX XX/XX/XXXX dispute letter or any other request or response from her, prior to this complaint. However, inasmuch as Ms. XXXX has signed a notarized affidavit stating that the XXXX XXXX address is not an address associated with her and that someone has misused her personal information, we have requested that the trade line be removed from her credit report. Although we have electronically requested the removal, it may take a few days to be deleted off her credit report, depending upon each credit bureaus internal processes. While it may not always come across to the consumers with whom we interact, our company places a premium on compliance and professionalism. Accordingly, it is our sincere hope that our resolution of this matter meets with the Bureaus and Ms. XXXX approval. If for some reason it does not, please do not hesitate to contact me directly at ( XXXX ) XXXX ext. XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchrony bank has several different credit cards for retailers like CareCredit, XXXX XXXX, Belk, And XXXX. I have all of these cards which I paid by mail for a long time. The trouble begin when I tired to pay online. One problem that was reconciled is an online payment to XXXX and CareCredit at the same time both payments were applied to XXXX so Care credit did not get any funds causing late charges. I called and this was taken care of. About two weeks ago I received a text message from Synchrony saying I had not paid my XXXX I never received a statement nor did I sign up for paperless, another late fee! Today I tried to go online to pay CareCredit was advised I had not registered my account. Tired to register account and then advised account was already registered. This is the kind of problems I continue to have with XXXX and they keep lowering my credit line, calling, sending letters then when you call it is to someone in XXXX who is very difficult to understand! Will you please check into their underhanded practices and help me I just want to get them paid off! Thank you, 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 monetary relief
Consumer complaint received 2020-06-06
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 is missing that should be on the report

Complaint:
XXXX XXXX is not being reported on Equifax or experian reports. it was opened XX/XX/XXXX, XXXX CARD is also not being reported on equifax. account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company is calling my employer over and over within XXXX they have called my employer 6 times. They have called me from the Phone numbers listed : XXXX ; XXXX ; XXXX. They will call and hang up or they will call and ask for me while speaking to my co-workers acting like a patient. I work for a XXXX company and they are calling acting like patients and they are a debt collector. My employer has requested for them to stop 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 2019-05-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We got off track with our mortgage payments in 2016 and had to file bankruptcy. The attorney worked with Ocwen to get our payments back on track and start a Modification on the loan with Ocwen. We went through that process and got back on track, the whole time making payments. Ocwen never applied any of the payments to anything and then they told us that because they were not the full payment that the money was in a suspense account which we never were told and never saw. One lady even said that once our modification had been completed they would apply the suspense account to our mortgage. Well you know that never happened and we are still making all of our payments on time and still have no clue where this money went. I've emailed the company on several occasions and still have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX  same time I disputed these items with this credit repository. XXXX removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

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 2019-10-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I requested proof of debt responsibility from the company National Credit Systems via phone. I requested to obtain original papers signed by myself that I owe a company called National Credit Systems or any affiliates and 3rd parties. National Credit Systems sent me papers via USPS that are visibly scanned and copied papers. According to the Law, copies are not sufficient proof that I am responsible for this debt or that I am responsible for this debt. To conclude, National Credit Systems will not provide to me original paperwork, signed by me. In addition, " National Credit Systems '' continues to reappear on my credit as a " new account '' every year, for the last 6 consecutive years. Collection agent from National Credit Systems, Miss XXXX, stated to me via phone in XXXX XXXX, that the removal time frame starts over when a debt is transferred and or sold to a new collection agency as well as after any and all disputes for this collection account made by me or any person 's. Miss XXXX stated via phone, this debt will remain on my ( XXXX XXXX ) credit report " forever '', and keep starting over as if it were from day # 1. National Credit Systems originally appeared on my credit as a debt from XX/XX/XXXX, in the beginning of XX/XX/XXXX. Over the years, the dates have changed many times as to when the account was originally opened .Currently my credit report States ( beneath the name National Credit Systems ) " opened '' XX/XX/XXXX. All of it seems invalid and not sufficient to be on my credit or that I am in fact responsible for this debt of {$4200.00} to National Credit Systems or their affiliates. Miss XXXX stated that her computer shows I am responsible for a debt of {$4700.00} but on my credit it states a different amount in which does not make any financial sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016. 
We recently had a issue with the Finance company Westlake Financial in California. 
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX- # XXXX called at XXXX XXXX. There is a computerized voice asking for me by name. I have the option to press 1 if this is me. We have repeatedly followed the steps to have our number removed to no avail. They have been calling for months. Today I pressed 1, the computerized voice stated You can reach ICS at the following number:XXXX. 
I did not call the number. I XXXX it and there were several people stating this number was pretending to be a collection agency for medical debt, which I have none. 
Called on XX/XX/04 @ XXXX XXXX I can not go back further as our caller is full. 
I have received zero written communication from said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX shows as closed on transunion instead of paid. I shows as paid on XXXX  and XXXX. last avtive date should say XX/XX/2020

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 2021-04-23
Company: WELLS FARGO & COMPANY
State: ME
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:
Wells Fargo Student Loan Department. I have been a Wells Fargo name customer since I took out student loans in XXXX and during that time, I have made all my payments ontime, even when struggling financially, I never missed a payment, 24 months plus. When Covid-19 hit, I took a furbance as I lost my job and after the 6 months, I applied for the 2 extra months Wells Fargo offers in general. I was accepted online but then got wrongfully declined and a letter was sent to an old address. XXXX of XXXX. NO email or call was made to me, and this has been confirmed by Wells Fargo, which is not their protocol and they admitted it was an error on their end. When the payment didnt come in, Wells Fargo did NOT call me, OR email me alerting me of this ( which is protocol for them ). This has been confirmed on a phone call and a case that I filed with Wells Fargo. 

At the time of the late payments ( XX/XX/XXXX-XX/XX/XXXX XXXX, I was under the impression that I was in forbearance, the moment of finding out I was late 2 payments, I paid everything in full and also paid the future payment, to be on the safe side. The missed payments are not a honest indicator of my actual credit worthiness NOR my co-signers. I hope that Wells Fargo is willing to work with me on erasing this mark from my credit reports and my co-signers. My credit and both of my co-signers credit were hit incredibly hard from this error on Wells Fargo 's end and now I can not refinance my loans due to their mistake. A case was opened and fault was admitted but they will not wipe it from my credit report nor my co-signers. 

I am in the process of buying a home, and with these negative marks on my credit report, it dropped my score and my co-signers score 200 points. This does not represent my co-signers credit nor mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed complaint with company regarding 5 year old apartment debt. Asked for validation of debt ( original documents with my signature ) and still have not received anything. With that being said, I want this negative reporting deleted immediately from all 3 credit bureaus. This company is violating the FCRA by reporting negative information without properly validating the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AMERICAN EXPRESS COMPANY
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN EXPRESS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the credit bureaus ( XXXX, XXXX   and Transunion ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, a direct deposit was made to a Chase Bank account that I thought was mine. I checked with Chase and it appears that when setting up my direct deposit information with my employer, I transposed two numbers when entering my account number. On that day, I requested that the amount of the deposit, {$2400.00}, be rerouted to my checking account. They said they would process it. The following Monday, XX/XX/XXXX, I received a notification that they would not be able to reroute it, as the money had gone into an existing and active Chase account. My employer issued a request to have the funds rejected, which after several days, Chase refused. My employer again, at my request, issued a request to have the funds returned. The request included an explanation from my payroll department of the amounts, dates and account numbers to which this money should have gone. It also included printed copies of the return requests that were submitted. At this point, Chase again refused stating that the account to which the funds had been deposited had insufficient funds. I have spoken to my local branch manager who escalated this to Chase 's Complaint escalation group, who returned stating that nothing could be done. The managers I'd been working with at my local Chase branch stated that they'd see where they could escalate my issue, and this morning, I received notification that there is nothing Chase could do. Chase seems content to let the owner of the account into which my money was erroneously deposited keep my money. I even requested a credit and recommended that they give my money to me and put a lien on the account owner 's paycheck, as the bank has to know his social and other contact information. At this point, it's looking as if I'll never get my money.

What's interesting, is that Chase had sent information to my payroll dept that included account information for an individual who is a Chase Private Client customer. While this information doesn't show the account number to which my pay was sent, it does make me question whether or not Chase is not pursuing a real resolution because they're favoring a high net worth customer over me. In any case, the info they sent constitutes a breach of customer data.

I have gone through the ringer with Chase over the past 30 days and they will not move from their position that they can not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have previously sent in a complaint against this company for this exact reason. I also spoke with someone in the corporate department, and she assured me this would be handled. I told her I was to not be contacted unless I ran a month behind. It is the XXXX of XXXX, this company called my cell phone first as to which I couldn't answer because I am at work. They then proceeded to call my work phone AFTER I asked them to put a " DNC '' Do Not Call on the account. I mail my payments in, and I have mailed them a check for last month and a check for this one as well. It is XX/XX/XXXX, my payment due date is the XXXX of every month. XXXX also speaks with a condescending tone and regularly cuts me off when asking questions. Again, these people have the title to my vehicle. I will always pay it, I was waiting for my new bank to send me checks. If these people call me again, I will pursue a lawyer. Especially when I am not even a month past due. XXXX is the person who keeps calling me. I also, told her for the second time, do not call me at work. I am done playing with this company. This is the last time before I take further action against them.

Company response to consumer: Closed with non-monetary relief