BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt.

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 2016-05-31
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Ocwen. They sent a letter stating there would be an escrow shortage of XXXX which I paid to keep my monthly payment the same as it always has been. I got a phone call today saying that my payment would be going up even though I paid the escrow shortage. The customer rep said it was due to increases in insurance and taxes but is n't this covered when they did the escrow analysis and made me pay over {$1000.00} to keep my payments the same. When I asked this they said the monthly payment would increase no matter what I did or if I had paid more. Never with any other mortgage servicing company have I had such problems. A yearly escrow analysis is done and if you pay the shortage your payment remains the same. What kind of " cushion '', as they call it are they allowed to keep of my money and STILL RAISE MY MONTHLY PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Central States Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is collections reported to my credit reports but I do n't have any knowledge of the alleged debts. I have n't received any calls or anything in the mail regarding amounts due.

Company response to consumer: Closed
Consumer complaint received 2015-03-19
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Springleaf Financial purchased this loan from XXXX XXXX some time ago. They sent me out notification of this taking place and asked at that time if I would agree to be contact by their personnel. I specifically said no and checked the box stating same on their form. Did n't matter, they contacted XXXX times after they received that back in their office. I also advised them that the amount owed is over 5 years old and collection of same is barred by Nebraska statute. I believe that the fines for contacting me after being told not to do so is up to {$1500.00} per occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Global Credit & Collection Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Emerald AR Systems, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}. 
The reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it. 
Also, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts

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 2016-07-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
My accounts with XXXX and Walmart stores are both past due/ over limit respectively. Unfortunately, I 've fallen behind on them as well as other accounts not related to Synchrony Bank. The minimum payment due on each account is more than I can afford and have made payments, attempted to honor them, ended up having to place a stop payment on them in the past. The minimum payment due will have to be lowered some how, I can afford around XXXX a month. There are payment options offered when making payment on web-site, however, the amount ( s ) requested are no where near XXXX a month and or do not avoid any over limit fees or other fees.

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 2017-03-08
Company: Perfection Collection
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. 

I am providing further information to support my dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help

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 2016-08-12
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My primary bank is FirstMerit. My branch is located in XXXX, Michigan. FirstMerit recently added an online service with which one can transfer money into one 's account from another bank without a fee. Here is the problem. FirstMerit is making egregious use, in my opinion, of the float. This week I initiated a transfer from my account at XXXX Bank in XXXX, Mississippi. I initiated the transfer, through my FirstMerit website account, on XXXX XXXX. The money was debited from XXXX on XXXX XXXX. But, FirstMerit wo n't make it available to me until XXXX XXXX. In other words, they are getting the benefit of a four day float. I do most of my financial stuff on line, and I know that FirstMerit had my money on the XXXX ( everyone else, banks, credit cards, creditors, etc. manages to do same day transactions ). so, my complaint is that FirstMerit Bank is harming me by hanging on to my money for four days without justification. I can of course provide bank statements and documents to support these assertions. And, I have now observed this pattern repeatedly, as i have been making transfers for several months now and every one follows the same pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls for about 10 years from PENN CREDIT CORPORATION which attempts to collect a debt from someone other than me. I have informed them that the people they seek are not at this telephone number, but the calls persist. The calls were originally made by people, but now are automated. My telephone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to get my student loan status updated since XXXX 2015 at which time I was approved for a XXXX Discharge with the Department of Education. I have disputed these accounts with Equifax several times to no avail. They have violated the FCRA by continuing to report inaccurate information on my credit report. I spoke with XXXX XXXX Department and they once again reported my student loan accounts as paid in full on XXXX XXXX, 2015. As to date Equifax has failed to update my credit reports, I am now requesting all student loans on my credit reports to be deleted as they have continued to cause me financial harm by violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan

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 2018-06-01
Company: Team Recovery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I live in XXXX and my minor daughter, XXXX XXXX, goes to XXXX in the summer to visit her father. I received a credit alert from Team Recovery for a collection of {$120.00} for XXXX XXXX XXXX. I was not aware of any debt nor did I take XXXX to this hospital but it appears my insurance was billed for the services. I contacted Team Recovery for more information and spoken to in a harsh and disrespectful tone. Also, the contact information they had for me was incorrect. I thought this may have been a possible scam and proceeded to contact XXXX XXXX XXXX. I was informed there was a balance of {$120.00} for services my daughter received in XX/XX/2017. I do not feel responsible for this payment since XXXX was under her fathers care at the time in a completely different state from where I reside. However, I agreed to pay the balance in full in order to have this information retracted from my Team Recovery and removed from my credit file. XXXX XXXX agreed to this and I provided my contact information for a {$120.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have NEW DOCUMENTATION which shows this, however, the company refuses to review the new information.

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 2016-05-11
Company: Paypal Holdings, Inc
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased XXXX blankets from XXXX and used my Paypal credit account to pay for the purchase. When I received the XXXX blankets, the color and style were different from what I ordered. They were also packaged wet and had developed a mold or mildew during shipping. I filed a claim with Paypal, as this should be covered under their protection guarantee. The initial response was that I just needed to return them to get a refund. I was not given a prepaid label, and the shipping back to XXXX is over {$50.00} - almost the same amount that I paid for the blankets. Therefore, returning them for a refund ( if I pay shipping ) is useless. These blankets are not what was advertised AND they are moldy!!! If anybody is going to be out of money, it should be the seller NOT ME! 

I 've attached picture of the blankets I received. They were supposed to look like this : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working since 2009 to work out a Load Modification with Flagstar Bank. Despite having income to support a refinance they have ignored multiple Modification applications, spent months requesting the same monthly information for 5-6 months without progress on the load mod only to deny the mod. Insurance money received to fix the roof on the house they took and still have not provided to fix the roof despite multiple applications. I have also been ignored by flagstar and their lawyers when asking about status or progress of loan mod requests. And despite pushing to make some progress on a loan, or mod it has been 6 years and flagstar continues to drag out the process and delay or ignore any requests I make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: First National Collection Bureau, Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation