BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Resurgent Capital Services L.P.
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a " XXXX '' instead of an " XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Ocwen Financial Corporation
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:
I already reached out to the credit bureaus and to OCWEN for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have filed an ftc report and faxed it over to Equifax and XXXX  due to the fact that i am a victim of identity theft. equifax and XXXX  did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX please equifax and XXXX  remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to consumers.

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 2018-06-06
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with XXXX XXXX. I am elderly living on a fixed income. With my family income, I can afford my mortgage. SinceXX/XX/XXXX, I have been trying to get a modification with PNC. Their system is very dysfunctional and slow. It can take days or weeks to get a simple answer from them regarding the modification. We have been in underrating since XXXX with 2 update  requests. We have asked PNC to place the foreclosure on pause while we go through our review. On the last request from PNC, we had to get an updated profit and loss from an accountant. Which is a 3rd party and not quick. We sent documents needed a few hours late and PNC is now kicking our file out of the review. It took 4 days for XXXX our representative to even tell us this. Now we have to file a possible bankruptcy all because PNC is a predatory lender, and the representative has done everything possible to backdoor our file into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: MO
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 have been going back and forth with Experian credit reporting agency and them reporting inaccuracies and UNVERIFIED information. There is a bankruptcy listed on my credit report. I have asked Experian for their method of verification into this bankruptcy reporting on my credit report. They ensured me that the information that they are reporting was verified by the US bankruptcy court. I have personality went to bankruptcy court asking if Experian reporting agency has actually verified the said bankruptcy on my report. The US bankruptcy courts insured me that the bankruptcy in question has not or NEVER been verified through the courts. I have attached the courts paperwork. Even after Experian receive notice from courts that they never verified they are still refusing to remove said bankruptcy from my report. At this point EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHTS. They have lied stating the information was verified and that is false. I am needing them to uphold their end of reporting accurate and verified information on my report and since that has not been done THIS BANKRUPTCY NEED TO BE REMOVED FROM MY REPOET IMMEDIATELY. I dont understand how facts and proof are being disregard. This needs to be removed from my 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 2021-08-12
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

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 2020-06-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX  Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

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 2020-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched Equifax Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I spoke to XXXX at Ditech with the concern that my unapplied funds balance was not reflecting the XXXX paid every month for the past three years. She told me I had to write to ask for these funds to be returned to the unapplied funds balance account and that sometimes it is applied to principal. I am very concerned that I have to write asking to return the unapplied amounts. I receive notice when escrow/disbursement tax/insurance are paid. I have not received any notice from Ditech explaining to me when the unapplied funds are transferred. I am requesting full disclosure regarding disbursement of funds and asking these funds to be returned to my unapplied funds balance. 
My monthly billing statement clearly reads that Any partial payments that you make are NOT applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I entered the bank of BB & T and they stated my account was BLOCKED due to XXXX ( XXXX XXXX XXXX ) this account was not my personal account this account is my business account. Source stated that it was due to check fraud. Back in 2015 I disputed all information regarding this fraud with proof of Identity theft and also disputed this information with XXXX XXXX and found that I was not at fault. XXXX stated that the did a dispute with XXXX XXXX XXXX to prove that it wasn't me and that the information that came back from them was accurate stating that I have two accounts with them. This information was inaccurate and even XXXX stated that the information was inaccurate. XXXX is owned by big time banks and XXXX XXXX XXXX  and BB & T are one of them. Now my business account is on block and I have important things to do. this is ridiculous that they would do this and I'm very upset.

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 2017-12-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried verifying a debt with Hunter Warfield Inc. Which is {$3200.00} and they temporarily deleted the debt from my Credit Report on all 3 Credit Bureau 's. Then without atleast a 5 day notice they put the Account back on my Credit Report which by law they have to give me a Five Day Notice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
At the time I took out the vehicle, I had set up the entire lease to paid each month via Electronic Auto Pay. at the end the leasing company failed to deduct the payments and resulting in negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Scott Fetzer Financial Group Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/2019, I purchased a XXXX  molecular hydrogen water machine from XXXX XXXX as I was approved to be member of a case study which they failed to honor ( not my main concern ). My concern is when I learned that the machine wasn't performing at advertized specifications of 6ppm of molecular hydrogen verses the 1.5ppm as I tested personally with a titration technique. I contacted them with no reply for weeks. The device, also began later to emit a foul order which is indicative of mold. I contacted the company again and the CEO XXXX XXXX answered, he basically wasn't concerned and told me I'm wrong. I'm a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, I'm well aware of how to maintain a water system and how to conduct a titration method to determine levels of an analyte. The system isn't safe. XXXX promised that quarterly service would be conducted which is completely false as well as I've learned from a social media group that I've recently joined. No filter replacements nor UV lamps are offered through the company website, which no water filtration system can be viable long-term without either replacements. I'm well aware numerous others have filed a complaint against XXXX or UCFS through this office so I'm basically following suit. I'm requesting XXXX accept a return of the XXXX XXXX system and return the loan they brokered through United Consumer Financial Services. I received a letter however from the lender today date XX/XX/XXXX instructing me to not attempt a return of the device to the manufacture ( XXXX ) as this well not relieve me of the financial obligations. I don't understand why I can't return the machine and attempt to have XXXX return the borrowed amount. The reason I'm reaching out requesting assistance is, I do not have the financial means to absorb a XXXX dollar loss of a machine that is probably refurbished ( not new as advertised which explains how it became moldy in less than 90 days of possessing it ). If the device was under {$500.00} then I wouldn't expend the energy but I'm responsible for a loan of XXXX, that XXXX arranged for a poorly made machine. I greatly appreciate the assistance of this office. I'm understandably upset with UCFS the lender, I've never encountered such a situation. If they wish to take possession of this non-functional machine, I'll gladly pursue that option but I don't wish to make payments on a device that isn't functional. On an additional note a suit has been filed against XXXX by another lender XXXX XXXX ( another financial institution XXXX used ) in the state of Georgia. My desire is that UCFS follow that course not harass it's XXXX victims. 

My sincere thanks in advance XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts. 
Second letter was my credit line account has been terminated ... 
I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit. 
I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ... 
Only Deposit I have on this checking account are my direct deposit from my employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a XXXX payment for tickets that I never received. i called within 30 minutes of making that transaction to disput it. I reached out to my bank and was told it was my fault for getting scammed and nothing they can do. That I would need to file a police report or look into other avenues to resolve the problem.

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 2023-07-31
Company: Experian Information Solutions 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 sent a letter to Experian on XX/XX/XXXX. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. Here are the accounts that are in violation : XXXX XXXX XXXX  Date Assigned on XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights.

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