BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX i scheduled a regular payment for XX/XX/XXXX in amount of {$160.00} and scheduled a principal only payment for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX payment shows pending and the XX/XX/XXXX payment shows as applied. 
Additionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX payment is no longer reflected on the account, but the XX/XX/XXXX payment and late charge remain. On XX/XX/XXXX the XX/XX/XXXX payment is now reflected as a payment made on XX/XX/XXXX with a portion of the payment now applied to the XX/XX/XXXX late charge. I have issues with : A ) Fraudulent attempt to have me make a second payment because my payment is no longer reflected on the account. B ) Fraud in accessing a late charge when clearly a payment is shown as pending. C ) Fraud in apply part of a payment to a late charge that was fraudulently assessed. D ) Fraud in apply a payment 5 days after the payment was actually made. E ) Fraud in record keeping. Statement shows payment made on XX/XX/XXXX ( which is correct, BUT ) a portion of ontime payment is still applied to late payment that was not late And they insulted me by suggesting that I didn't have the money in my account. It was there and they took it!

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: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is update to previous submission. 

XXXX, a representative of Freedom Mortgage called to say this had been escalated to executive level. She also said I would be receiving a phone call by XXXX XX/XX/XXXXto resolve this. To date, no phone call. I have left voice messages, sent emails, and submitted secure online messages to see what happened. 

After all, the responsibility for.this situation is solely on Freedom Mortgage. If they had merely notified me of the change in payment, I could have adjusted the payment amount. After first time it was insufficient, they could have contacted me so I could correct it. Bit they never did either. 

That is why they need to correct the impact on my credit reports. 
v/r XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my home on XX/XX/XXXX. AmeriHome Mortgage bought the loan within a month of the refi. The closing document ( XXXX XXXX XXXX XXXX Form XXXX XX/XX/XXXX Modified ) stated that our first payment was due on XX/XX/XXXX. I paid them according to the closing documents. They maintain that I owe them for XXXX XXXX. This is not true and I called XXXX XXXX XXXX company to confirm this fact. They stated the Form XXXX is a legal binding document and since AmeriHome bought the loan they are legally responsible for adhering to its terms. In spite of me conveying this fact to them AmeriHome keeps sending me letters saying my loan is in default, I owe late fees, etc. even after I called at least 5 times talking to their customer service personnel, which they directed to do, and faxed them the closing document stating the first payment start date is XX/XX/XXXX. Their customer service personnel went as far as to acknowledge the fact that they received the document faxed and also already had the document in their files. Yet, they keep sending me these letters of default and to seek financial counseling and delinquent notices. After talking to their customer service reps I get letters of this type in the mail. It just doesn't make any sense. This frustrating, harassing and I want it to stop. My loan is current with them and I don't know what else they want. They seem to be very disorganized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-10-07
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The erroneous account listed below is still reporting on my Credit Report : XXXX - XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2014 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: NY
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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ) XXXXXXXX XXXX Account # XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PARAMOUNT RECOVERY S ( which is a collection agency ) stated i open an account XX/XX/2021 which is false, I have no knowledge of this debt and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
Please help me understand something, Ive been a victim of identity theft. The following accounts on my credit report are fraudulent. 
1.XXXX XXXX in the amount of {$500.00}. Ive never done business with this company nor did i ever enter into a written agreement with this company. Equifax has ignored my request to validate this debt. It has been deleted from all of my other reports. Per FCRA Only accurate information can be listed on my reports. 

2.. XXXX XXXX XXXX XXXX in the amount of {$2500.00} this is a fraudulent account, which was removed from my file earlier in the year. This Account is Fraudulent!! This company never sent me a letter stating they would be placing this on my report, which is a violation per the FCRA, This account is Fraudulent, Please Block/Delete from my report!! Ive never done business with this company or entered into a written contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX  cards were taken out in my name 2 of them. I reported this to XXXX  and XXXX XXXX the credit card company. Synchrony found it was fraud on both cards in XX/XX/XXXX I believe it was settled. Synchrony told me that the bills XXXX  kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings

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: CREDIT ACCEPTANCE CORPORATION
State: KY
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 made the final settlement payment on this account in XXXX. The payment cleared my bank account of XXXX on XX/XX/XXXX. I have since contacted Credit Acceptance corporation 3 times regarding this matter. I have submitted disputes to each credit bureau. As of XX/XX/XXXX when my most recent dispute was resolved and the account was reported to the credit bureaus the account is stilll showing as open and delinquent. Each contact I have made I have just been told to submit a dispute ... this is clearly not working as they are still reporting the account as open and delinquent.

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 2019-11-13
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2020-08-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to Equifax on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and Equifax stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: AR
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 been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.

Company response to consumer: Closed with explanation