BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: ERC
State: NC
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:
account is closed and is still showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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:
I XXXX XXXX XXXX have had issues with a debt collector agency named Wakefield and Associates. They alleged that I have debts and delinquent accounts however I dispute those allegations. To the best of my knowledge I do not owe any form of debt to their firm of any kind. Wakefield and Associates have not properly notified of said accounts. I have never received any documents itemizing details such as accurate dates, times, agencies owed originally, nor service rendered. They are unable to provide any form of any alleged original contract nor the name of the original creditor. Whenever I attempt to dispute this particular debt collector agency Wakefield and Associates illigitimately edit monetary amounts that allegations claim that I owe. They are illegally attempting to use my credit report as hostage by use of negatory marks without basis. This company has an extensive history of being disputed due to predatory collection tactics. The firm has failed to provide any form of verified detailed contract of such debt. No notice of debt has been issued at any point in time, I am lead to believe that the statute of limitations has lawfully passed in order to continue any form of debt collection as well as negatory marks on my credit report. I do not to the best of my truthful knowledge owe Wakefield and Associates any alleged debts and believe they are attempting to practice collections and reporting outside of lawful statutes in an attempt to collect ineligible assets as well as incorrectly attempting use my credit report to place negative reputation against my financial reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Responding to XXXX 's response herein from Complaint ID XXXX : XXXX XXXX 's correspondence letter does XXXX provide a specific reason why my instruction was deemed " Not In Good Order ''. XXXX 's failure to execute my instructions and XXXX 's conduct including miscommunications that XXXX admits to, from representatives belonging to XXXX is unacceptable financial institution behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
One of my creditors ( probably only someone that I am past due on ) updated my credit report and put in my wrong middle initial. I am XXXX XXXX ( XXXX ) XXXX. They put my middle initial as XXXX. 

This just happened over the past few weeks, as I view my report each week. 

Someone needs to fix this!!

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 2019-08-24
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ref. : XXXX XXXX - Accounts # ( XXXX ) XXXX, ( XXXX ) XXXX and Temporary number ( XXXX ) XXXX ( NONE of those accounts were used at any time, Equipment were never installed and NO charges were never incurred )! Accounting Error, since the Company bills 30 days in advance! 

Credit Control Corporation the direct employee of XXXX XXXX, and its Agents/ Collectors, harassed, intimidate, and threatened to Harm our excellent Credit Ratings. 

Credit Control Corporation and its Agents/ Collectors, failed and continue to fail in producing any documents to validate the alleged debt, even with our repeated demands!

Credit Control Corporation and its Agents/ Collectors, contacted us repeatedly at different hours in violation of FDCPA , with their false and misleading arguments seeking to collect more the alleged debt of {$55.00}! 

Credit Control Corporation, XXXX. XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Diversified Consultants, 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:
I checked my credit and is an item, I never got any XXXX letter from the collections agency, Today I got a letter state they verify with the creditor ( since a request a verification to the CRA ) is my, no validation just a letter state is mine.I already made a complaint since they have a different name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

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 2018-07-16
Company: The Receivable Management Services LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice from RMS collecting an outstanding debt for XXXX XXXX XX/XX/XXXX - received a collection bill stating I owed {$490.00} for an outstanding invoice from XXXX XXXX XX/XX/XXXX - received another statement for the same amount. I called RMS to inquiry " who is XXXX XXXX ''. The attendant googled XXXX XXXX and read me the description of the company that is on the internet. I requested a copy of the contract showing that we ordered this service. 

XX/XX/XXXX - Received a letter from RMS stating " the information I requested is attached '' ( which was just 4 invoices from XXXX XXXX ) no contract was attached. I called the company, XXXX XXXX themselves and they gave me a past employee name, XXXX ordered the service 5 years ago - Again I asked to see a copy of the contract. They were rude and very short with me. I stated I have never received an invoice nor paid an invoice in the past 5 years from them, they stated they were emailing them to XXXX. ( XXXX hasn't worked here for approx 5 years ). I do all the accounting here for the company - No invoice was ever paid to them - they state I owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX service. 

XX/XX/XXXX - Received a collection letter from RMS, stating the information I requested was attached ( again, just a copy of 4 invoices )

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 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital One inquiry date XX/XX/2022 I did not signup or register for this company this is fraud please remove now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$3400.00}. I called XXXX to PNC Bank to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX and XXXX each month the charge had not been credited. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, XXXX bought my mortgage from OCWEN. The problem that exists is that PHH is failing to make appropriate escrow disbursements that have resulted in an escrow shortage. Now, I don't understand how this  happened since my first payment was on XX/XX/2019, under the new servicer ( PHH ). Secondly, I am real estate tax-exempt based on my VA rating by the XXXX of XXXX, Commission of Revenue office. I contacted PHH to request my refund for taking real estate tax payments from my monthly payments. PHH sent back notification that I had no refunds but was unaware of my exemption status although my previous servicer OCWEN had it on file. I don't trust PHH is telling me the truth on my refund. Lastly, I'm upset that I can't get accurate  information on my mortgage balance. It seems I'm getting updates with account adjustments all of the time with increased principal balances without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.

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 2016-12-30
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022 I called Discover to inform them that I am moving to XXXX and not to accept any charges since I won't be using my card there. I asked Discover not to honor any of the recurring charges and I was informed that my request will be honored. On my end I also closed all the recurring charge account such as XXXX, XXXX and XXXX since I am moving XXXX Just today I found out that the recurring charges went through ( some of them were even manually entered ) and I was charged for the account I no longer had. Discover refused not to only protect my account which I closed while realizing that the company doesn't care about my safety as cardmember but also to dispute the charges. In the 40 min phone call I spoke with three people and at the end the dispute dept woman told me that she can not even find my account whether by the SS # or credit card number just as if the account doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed identity theft claim reference number ( XXXX ) remove this negative item off my credit please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: FL
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:
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged.

As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''.

However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans.

Because of the very shady business practices of TSI  and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 explanation
Consumer complaint received 2018-04-05
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX is attempting to collect on a debt not owed. XXXX is reporting a charge off, which was covered under the insurance I signed up for through their company and made extra payments each month for. When I lost my job, I contacted them and I filled out all the documents they sent me and made sure they received them. I have done my part in making sure I get this debt covered through the insurance I paid for every month, yet they can not due their part and get this debt covered.

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