BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
On XX/XX/2018, Account Resolution Service added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Account Resolution Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

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 2020-04-18
Company: WELLS FARGO & COMPANY
State: MA
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:
in XX/XX/2019 we refinanced our home with XXXX XXXX XXXX. We were behind in our car and home payments along with other creditors due to the XXXX status of my husband. We expressed our concern with the loan officier of the urgent need to get this done, so we did not loose our home or car or have other damaging effects on our credit. We signed the closing documents at he the lawyers office on XX/XX/2019. The payments went out to all of our creditors. The lawyer sent XXXX the payment for our mortgage and the home equity payment. However the loan officer was neglectful in sending out the payment to our other creditors. The checks were sent out thought regular mail, non registered. Several of the payments were late to our creditors including the payoff for our car. This check was lost in the U.S. mail. The payment to Wells Fargo was never received. On XX/XX/2019they repo 'd our car. It took several phone calls to Wells Fargo who talked to the bank and the bank now XXXX XXXX  to release our car. We have tried a number of times to resolve this matter with Well Fargo to remove this repo from our credit report. They are not willing to do so because they say the repo was performed legally. It was the fault of the XXXX XXXX in XXXX, Massachusetts, because they did not send the checks out through registered mail and they were lost. We now want to refinance our home with another bank due to the loss of confidence we have in them. They have not assisted us in any way and have damaged our credit to the point we can't even get a simple credit card.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: IL
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 went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

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 2020-08-13
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notice 3 collection accounts on my credit report from SOUTHERN CREDIT RECOVERY on the XXXX of XX/XX/2020for different alleged debts of ( XXXX $ ), so I sent them a letter requesting the information concerning this account on XX/XX/2020.I also attached a copy for your viewing and assistance below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collections agency pulled it out of a hat. Totally bogus. 
Event happened XX/XX/XXXX. XXXX accounting error. Balance ought to be {$0.00}. 
How is it XX/XX/XXXX collections agency can just reopen/ post false information on my credit reports? 
Then, credit agency is all automated. You are unable to speak to a person anywhere in their process? Really? 
Credit agency operates like XXXX with no responsibility, accountability except towards me or whomever is chosen by business? 
I ought to be getting paid for all the time spent trying to correct their incompetence ; for making changes to my account without authorization ; and for adding additional phone with additional services ALL WITHOUT AUTHORIZATION/ PERMISSION TO DO SO. 
NOT LEGAL AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Other

Complaint:
In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had four accounts with Barclays Bank. All four of the accounts were closed without prior notice. Three of them had not been used in a while, but the fourth ( Barclay XXXX XXXX ) was active and used often. All accounts were paid in full and on time. The bank refused to give me any reason for the closure of the Barclay XXXX XXXX ( XXXX ), despite my repeated requests on the phone and via email. I have never had any accounts closed in my 40+ years of having credit cards. When I requested a refund of my annual fees, I was told they would not be refunded. I had unused travel rewards of XXXX, which would have been good to offset XXXX of travel related charges. I had more than that in travel related charges against which I could have used the travel rewards. They have refused to give me any credit for those rewards.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2020-01-09
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: OneMain Finance Corporation
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OneMain Financial : I was laid off at work because of COVID in  XXXX, I had exit documents proving this. This agency offered a insurance plan to protect me in this type of case which would cover loan payments up to 1 year if I remained unemployed. I provided them with my exit documents 3 times. Times I can remember sending the documents in are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. All three times I received negligent customer service and told that my lay off is not credible until I'm approved for XXXX which we all know millions of Californians are still waiting on that's including me and then lost communication and was left without a response because I believe the employees handling my case were laid off these 3 different times.. I've sent my identification documents in 3 times and they say they haven't received them at XXXX so I just sent certified mail this week so I have proof I sent. I've told them many times on the phone I am unable to make payments and that I really need this insurance they offered ASAP. Yet they've been spamming me with calls nonstop and making me feel like I'm being persecuted. I've asked several times why my official exit document wasn't enough to prove my lay off was due to XXXX. I just feel like this is very unethical in this time during COVID especially when I'm struggling with the XXXX 's clogged system for months. I feel violated, harassed, and persecuted by those I thought would be there for me especially with their promise of insurance during this crisis. I've attached my exit documents here and also I've attached my phone call log. They were calling me repeatedly on the number ( XXXX ) XXXX after I told them I didn't have the money to pay and that I am in dire need for their promised insurance to kick in. Also the name of the insurance company is XXXX XXXX XXXX which I just also sent another certified letter which should be arriving tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX XXXX we contacted Synchrony Bank and were told our pay off amount would be {$3100.00}. We then doubled our monthly payment to expedite the payoff. XXXX XXXX we contacted Synchrony Bank again and was told that the pay off amount was around {$2400.00}. That figure seemed too high so we asked for a copy of all the invoices as well as a copy of the contact agreement. We were under the impression that it was 3 years deferred interest but was told it was only for 1 year. We are very knowledgeable on interest rates and compound interest. The company then sent us a letter stating that the information we requested about our account was no longer available.

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 2020-11-18
Company: D. SCOTT CARRUTHERS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent a settlement letter to Mountain Lion Acquisitions INC and I have not yet got a response. Here what happen when I call about the letter. 1 ) I want to WHY representative said " I don't recall a letter '' and refuse to check the file? 2 ) They never told me the Mini Miranda Rights at the start of the call. 3 ) They falsely claim that they have a lien on a property which I don't own any property. So how can that be true if I don't own any property? So I guess it company policy to lie to customer to get them to paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection on my credit report from credit control services in the amount of XXXX. The debt was on my credit report before I had any knowledge of the debt. I spoke to the collection agency, and they said if I pay the debt, it would be removed from my report. So, I paid the debt last year in XXXXXXXX XXXX XXXX  and the collection is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is fraudulently reporting information to the IRS. Shellpoint is holding my mortgage payments in escrow without my permission. They are not applying payments to my principal or interest. Shellpoint sent me a XXXX for XXXX indicating that I only paid {$3900.00} in interest when in fact this amount should be closing to {$15000.00}. My principal loan amount is at least {$10000.00} higher than it should be. 
In addition, Shellpoint has recorded late fees on my mortgage month after month even though I have never paid a payment late. 
This all started with a Hurricane Irma Federal Forbearance plan. I was given the opportunity to skip payments in XXXX, and was told that the skipped payments would have no affect on my mortgage, my credit, and I would incur no late fees. Without my knowledge, Shellpoint begin the process of trying to modify my loan. I'm being forced into a loan modification. The loan modification documents that I was sent show a principal loan amount of {$390000.00}. The loan amount should be around {$380000.00}. The loan modification documents address that approximately {$26000.00} in mortgage payments are being held in escrow ; however, they do not address if and how the payments will be applied to my mortgage. 
To fix the issue, please have someone call me to explain how the approximately {$26000.00} in mortgage payments will be applied to my loan. Also, please send me a new XXXX  showing the correct amount of mortgage interest in paid in XXXX. All payments should have been applied to my loan. 
XXXX XXXX from Shellpoint and XXXX XXXX from Shellpoint have been awful. They are supposed to be my point of contacts, never pick up, never return phone calls, and can't fix anything. It seems this company is attempting to take peoples homes by way of making this process too difficult to address without legal counsel. I have spent countless hours writing emails, making phone calls, and complaining to the CFPB. The only time I get a return call from Shellpoint is when I complain to the CFPB. I recommend doing the same if you're experiencing anything close to what I'm experiencing.

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 2016-09-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Trying to obtain a short sale approval for a deceased borrower. Submitted a completed short sale package twice to the lender/servicer Financial Freedom/One West Bank on XXXX/XXXX/16 and XXXX/XXXX/2016. The file has been assigned to a XXXX XXXX at XXXXXXXXXXXX. I have send email to follow up but emails has been ignored. I was told that XXXX has XXXX45 day to look at the file and there is nothing I could do to expedite that. Can you offer any assistant in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: IN
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:
The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, Experian, and XXXX XXXX and an unresolved complaint with the 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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2016-02-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me. 

A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express. 

On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action. 

The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.

Company response to consumer: Closed with explanation