BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I received an alert from XXXX and XXXX   that a derogatory remark was added to my credit report along with a new collections account. I had no idea where this was coming from. I called the number associated with the collection company. South West Credit Systems LP. They informed me that this is a debt from  XXXX XXXX. Which is also referred to as XXXX and XXXX XXXX. I explained that this information was incorrect. I had already paid this debt and my account was closed. I was referred to a supervisor. I sent him an email explaining the circumstances and I included a letter which stated that this account was removed from my credit report. I also asked for their Consumer Affairs License number as I will send over a formal complaint to the Department Of Consumer Affairs. South West Credit Systems LP, is in violation of the Fair Debt Collection Practices Act. South West Credit Systems has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. South West has reported on my credit report and in a letter dated XX/XX/2020 ; that they have had my account in their office since XX/XX/2020. However, I never received any of the above mentioned discloures or rights I'm entitled to by federal law until XX/XX/2020. My complaint that was written to the supervisor, stating I would make a formal complaint with The Department of Consumer Affair, is when I received bills and disclosures in the mail dated XX/XX/2020 not at initial contact or within five days. I will hold all parties accountable. South West Credit Systems LP and XXXX XXXX regarding my civil rights, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. My civil rights were violated and so was the federal law. South West Credit Systems and XXXX XXXX are prohibiting me from moving into a new home with my family during unprecedented times. During a pandemic. Which Covid -19 has affected me personally. I made an agreement with XXXX. My account was PAID and CLOSED with XXXX Collection Agency on XX/XX/XXXX, XXXXThis account was also removed from my credit report by XXXX. If this matter isn't corrected I will pursue legal action. South West Credit Systems LP said they had my account since XX/XX/2020 however XXXX was the agency who negotiated, agreed and collected on my account. Please remove this account from my credit report immediately. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$10000.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get clarification about how many qualifying payments I have made toward my 120 payment goal with XXXX XXXX. They last told me I had made -- 3 -- payments that qualify!!! I have made well over -- 30 -- payments and they are not accepting most of them and saying that I was not in a " qualifying loan '' which is HORSERADISH. They simply do not want borrowers to ever repay their loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never received any communication from Phoenix Financial prior to them putting this {$1500.00} debt on my XXXX and XXXX  credit reports. No letters, nothing. In the two reports they claimed my first date of delinquency was XX/XX/XXXX, yet I didn't even go in the hospital until XX/XX/XXXX so how could I be delinquent before I went in the hospital? Is this even my debt? I don't think so. All medical debt incurred for my ONE hospital visit was paid by my SSI XXXX insurance so I truly believe this to be a scam. 

For months Phoenix Financial reported this unverifiable medical debt to my XXXX and XXXX credit reports erroneously. After disputing this debt online and sending Phoenix Financial a debt validation letter ( with no response ) XXXX and XXXX removed this debt from my credit reports. Fast forward a few weeks, to today, XX/XX/XXXX. I was alerted to activity on my XXXX   credit report. It turns out that Phoenix Financial is now reporting that same bogus medical debt that was removed from XXXX and XXXX now to my XXXX report AND IF THAT WASN'T BAD ENOUGH, they duplicated it and reported the same account for the same amount of money FOUR TIMES, EACH with a different " open '' date and none of the dates matched the date they first reported on my other two reports.

That's right, they took the same {$1500.00} debt and duplicated it four times using different " open '' dates. These are highly deceptive, fraudulent practices by this debt collector who is knowingly breaking federal law under the FDCPA. If they don't remove these false debts from my credit report I will sue them and I will win! This is criminal and I will not continue to let them harass me like this. I appreciate any help you can give me with this rogue company. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: PR
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:
The report was requested on XX/XX/XXXX again and the delice still appears in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Ocwen Financial Corporation
State: MN
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on OCWEN LOAN ( Account # XXXX**** Date Opened : XX/XX/2006 Balance : {$0.00} ). This account is only being reported in XXXX. 
Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Lakeside Receivables LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector ( named " XXXX XXXX with phone # XXXX from Lakesie Receivables LLC ) is contacting me at my home and work and my family ( wife and daugher ) repeatedly looking for my NEPHEW who owes a debt. The debt is NOT my debt and is for a nephew we have not seen in years. I have told the debt collector we do not see, and have not seen, my nephew and do not know where he is but they keep calling and do not stop. Again, I have nothing to do with this debt or my nephew who supposedly has a debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today XX/XX/XXXX I called regarding a decrease in a disbursement that was made back in XX/XX/XXXX. I was told that I wont see the credit or any deductions on my account because its a small amount of {$180.00}. They scam me out of my {$180.00} and I feel helpless. I dont know what to do. They were really rude on the phone and even hanged up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a dispute with capital one on XXXX informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature.capital one never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage contacted me to thank me for my service and offered to refinance my mortgage loan at no cost to me with exception of the VA funding fee. Freedom Mortgage then gave me a loan estimate which had high closing costs as well as a higher interest rate than the national average. I didn't agree with the first estimate and told them i was no longer interested and decided to look else where. The lender then sent a new, much more reasonable loan estimate, which included lender credits as well as a great interest rate. I changed my mind again and decided to proceed. Freedom Mortgage then sent a final closing document 2 weeks later for me to sign so we could get a closing date scheduled. After reviewing the final closing documentation I quickly realized this was completely different from the 2nd loan estimate I received, the lender credits went away, closing costs doubled and the payoff for what I currently own on my house was higher than what I actually owed. I contacted the loan officer regarding the changed details. I was told the numbers were not accurate and they would change later and I just need to sign. Do not use Freedom Mortgage, they are not ethical and are trying to take advantage of your refinance. This was a waist of my time as well as another knife in the back of yet another unethical company trying to take advantage of a veteran.

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 2020-08-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Synchrony Bank is reporting an " alleged account '' in the amount of {$1800.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.

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 2020-07-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ( Account # XXXX**** Date Opened : XX/XX/2014 Balance : {$3200.00} ). This account is only being reported in on their Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Focus Holding Company
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Although getting charged extra at certain stores does happen from time to time, this complaint is predominantly about random adults hacking my online account to view my personal business, and when it's " convenient '' to them, they alter the transaction name. For example, I donated XXXX dollars to my XXXX School Program. A XXXX freaked out, so he or she hacked my American Express Serve online bank account and removed XXXX. Why? And how can these people get away with this? My account is " secure. '' This is unlawful. Another emethical act these people like to do is PRETEND they made a deposit that " I '' really made. Deposits are now hidden. I have to click VIEW MORE TRANSACTIONS to see my deposits. Why? 
In conclusion, please make AMEX keep these haters OUT of my business. 

Thank You, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CITIBANK, N.A.
State: NY
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:
I have been in the process of going back and forth with XXXX regarding a discrepancy on my bill. This issue has been mishandled from the beginning and I have been receiving the run around from XXXX for the past two and half years. 

SUMMARRY OF EVENTS I use my XXXX account to make a payment installment on my daughters tuition ( {$2200.00} ). 
One week prior to my due date I visit a XXXX location and pay my balance in full ( as per usual ) Come next months bill, I see {$220.00} was paid on my bill, {$1900.00} less than the amount I paid in full. 
Called XXXX right away and was told it was an error in their system which will be addressed in the next bill. 
In the next few months, I was constantly being told the same thing when my bill arrived. 
Started a case with XXXX and was given a case number. 
Called many times inquiring about the case and was told it was being reviewed or it has been escalated. 
Recently, I was finally told that XXXX is unable to rectify this issue and I would need to file a claim in court. 

Before this occurrence, I have paid my bill in full and on time with XXXX on a monthly basis. Since then, I would keep track of all my purchases and pay that amount only. I have cancelled the card and would like to finally rectify this issue.

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 2020-05-19
Company: EQUIFAX, 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 recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX I disputed two accounts with XXXX that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Bank of America is reporting an " alleged account '' in the amount of {$1900.00}. 

This " alleged account '' has never been validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

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 2018-03-29
Company: FIRST HORIZON BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at  approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Navy Federal CU is reporting an " alleged account '' in the amount of {$14000.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: National Credit Adjusters, LLC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit  attached.

Company response to consumer: Closed with explanation