BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/22 XXXX contacted all 3 credit bureaus Experian, XXXX, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.

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 2021-11-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau isreporting inaccurate information on NFCU XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29
Company: MiraMed Revenue Group LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a notice for a service that was provided for my XXXX, My XXXX is double insured and there should not have been a payment that was due. I have reached out to the original creditor requesting for this to be bill through the secondary insurance as they did not bill both insurances. I have also contacted both insurance companies as well and informed them that I am getting bills for something that I shouldn't be getting them. I have not received one phone back from XXXX XXXX XXXX. or heard back from their billing department as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: MD
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 filed a chapter XXXX bankruptcy and included XXXX XXXX. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the information is true and they have not done this, they only accepted what the car dealer has given them which is not true.

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 2019-08-09
Company: TD BANK US HOLDING COMPANY
State: WA
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 not been receiving statements from this company, which caused a late payment. Multiple phone calls have been made to the company and they assured that they would remove the late fees and reverse the late payment on credit report. They have yet to do so and keep reporting it as correct even though it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ref : Hard Ship Letter : NACA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX Loan # XXXX Date : XX/XX/XXXX I received a mortgage modification with the help of NACA after several failed attempts working with the Servicer, Ocwen Loan Servicing having suffered several hardships. However, it seems that Ocwen Loan Servicing and the XXXX and the now current Servicer, are attempting to make the nullify the modification after two years. 
In XX/XX/XXXX, I learned that Ocwen Loan Servicing and XXXX XXXX XXXX was co-servicing my mortgage ; Also I was adviced by XXXX XXXX XXXX to send my mortgage payments to XXXX XXXX XXXX. I did not receive any letter from Ocwen Loan Servicing confirming that XXXX was the new servicer so I contacted NACA who confirm that XXXX XXXX   was the new servicer. 
I started sending my mortgage payment from the months of XX/XX/XXXX onward to XXXX XXXX XXXX but the company sent back ALL the mortgage payments back to me, stating that Ocwen reported the XX/XX/XXXX payment was not received. 
I reported both to to XXXX XXXX  that Ocwen Loan Servicing reporting of the XX/XX/XXXX payment is is incorrect, because I have proof of the hand-delivery receipt of the payment and also date the money order was cashed. I sent both Ocwen Loan servicing and the XXXX XXXX  proof that the XX/XX/XXXX payment was received, and information that the money order was cashed. 
Even with all the evidence that I presented to Servicing companies, the mortgage payments were still being rejected. Now Ocwen Loan Servicing has filed a foreclosure notice to take my house away. 
I am seeking assistance from the department of Consumer Financial Service to rectify their error and allow me to resume making the mortgage payment. I am worried that the Servicing companies have device a plan to take away my home and make me XXXX. Please help me I made several personal attempts to work with the both Servicers Ocwen Loan Servicing and XXXX XXXX to remedy the error in recording and reporting the mortgage payments without any success. I am now working with NACA in an attempt to save my home. 
Thanks for helping me save my home and keep a roof over my family head, one of the basic need that all of us have. 
Sincerely XXXX XXXX XXXX EmailL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: CO
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 led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
I despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-11
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Number keeps calling me for a fake company, requests that I call a different number to collect a debt and make payments immediately. I am on the national do not call registry and also have 0 debts. I called to let them know I would be reporting and they got abusing and hung up on me. Phone number is XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with " XXXX XXXX XXXX '' and paid them directly for their services. The company uses Monterey Financial to service their accounts. Monterey Financial has been contacting me repeatedly about the debt and I informed the representative and provided proof that I had paid " XXXX XXXX XXXX ''. Because Monterey Financial has been unable to get in contact with " XXXX XXXX XXXX '' ( per their representatives ) they reported the account as late to all three credit reporting agencies, even though I paid the debt already. I also paid an additional {$88.00} dollars while to company attempted to sort out the discrepancy to avoid the account being reported as late but they reported the account anyway. Both Monterey Financial and XXXX XXXX XXXX have been extremely unprofessional, unorganized and have unfairly and unnecessarily damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Ocwen Financial Corporation
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 live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called Ocwen, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. Ocwen has received my on time payments, since XX/XX/2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, Ocwen, kept me with a running 90 day late payment and has caused me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep getting SPAM marketing from Equifax. I went onto their website to put a freeze on my information and since then, these megalomaniacs keep sending me SPAM. I went to the Equifax website and there is NO WAY TO OPT OUT OF MARKETING on their site. Instead, they have a " toll free '' ( who pays for long distance in 2020? ) number to call that is the general number for EVERYONE who is having a trouble with these money-grubbing XXXX. And guess what? NO ONE EVER ANSWERS THE XXXX PHONE. They are using my email address inappropriately. I have a right to NOT receive their marketing XXXX. They SHOULDN'T ( a moral imperative ) require me to sort through their XXXX because I want certain alerts. And they make it so hard to stop, it's not reasonable. They are using computers to harass me daily with spam, yet I can't use my computer after logging into their site to STOP THEM. It's unfair, unreasonable, and in California, it's illegal.

Company response to consumer: Closed with explanation