BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: Orions Management Group, LLC
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
An outstanding debt I owe to XXXX has recently been purchased by Orions Management Group, LLC. I received a call ( voice mail ) from someone at that organization on XX/XX/2017 - the person did not identify himself, but said it was urgent and that I needed to return his call same day. Later that afternoon, I received another call at work - again the same person did not identify the company he represented or state what the matter was about ; he left a voice mail stating that the message was for MY BOSS and asked him to have me return the call. First of all, this debt was incurred before I worked for my current boss. I do n't know how he got his name, but the fact that he called me at WORK and left a message for my BOSS infuriates me. I called back a little later and got the person 's voice mail. I told him to not ever call me at work or to call my boss trying to reach me ; I would report him to the Consumer Finance Protection Agency. He called me back while I was at an appointment and left a condescending, sarcastic message, stating he did n't know what message I was trying to convey and that he really did n't understand much of what I was saying. It was not a very nice message. Then, I received a letter in the mail SAME DAY regarding the debt. So the calls preceded the letter. I would not have minded just receiving the letter, but I feel the calls and voice mails were threatening and harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has been harrassing me by telephone saying that i owe them multiple debts. I sent a dispute to their company and they have responded with a letter stating that they have already verified these accounts and that they are under no obligation to verify again. However, I DID NOT receive anything from this company prior to the billing statement i received in XX/XX/XXXX. As per The FCRA i have the right to dispute any information that is being reported to the credit bureaus. Also Billing Statements ARE NOT considered verification of accounts. This company continues to report these accounts to the credit bureaus without having properly provided information on as to how these accounts are verified. This disputed information will be forwarded to the FTC and Attorney general 's office due to unfair and improper reporting actions on Louisiana Recovery Services behalf. I do not and have never been in contract with this company nor have i ever accepted services from their company so i am requesting that all collections attempts to stopped immediately. 

UNVERIFIED ACCOUNTS : XXXX billing - {$48.00} LRS/ XXXX billing - {$43.00} XXXX XXXX - {$1700.00} XXXX XXXX - {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Account show in credit report as open even its close, I attach screenshot from my XXXX  credit report show its close

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 2020-02-16
Company: Experian Information Solutions Inc.
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:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 

1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX   XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXXXXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXXXXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 )  XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called transunion talked with a customer service rep and a supervisor no one would help me resolve my credit issues I have unknown inquiries on my credit report I informed the customer service rep and the supervisor I have not applied for any new credit and needed help getting these inquiries removed. I was put on hold for at least 20 mins and not one customer service rep could help me. I am in the process of buying a house and need these inquiries removed so I can move on with my process.

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 2022-08-16
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, I have a medical collection for Harris & Harris that is currently reporting to the three bureaus. I also have a medical collection that was not reporting. Today, XX/XX/XXXX, I called Harris & Harris and spoke with XXXX to inquire about possibly settling the debts and having the one collection removed from my reports. 

XXXX advised me that, although I have been making monthly payments on both collections, that they decided to report the second collection to the bureaus on XX/XX/XXXX. I was absolutely shocked to hear this, as I received no notification that they were going to report it. It was also my understanding that by making monthly automatic payments to them, it would prevent them from reporting. 

When I advised XXXX of my concerns, she stated to me that it is completely up to them when they report ( she even mentioned reporting {$5.00} collections after only having them for a few days ) and that despite what I may have understood, making payments will NOT prevent them from reporting. 

According to XXXX, they received the collection in their office on XX/XX/XXXX. If the collection was received on XX/XX/XXXX and it was reported on XX/XX/XXXX, that is one month early from the required 6 months that a collection can not be reported, if you go by the regulations since XXXX. 

However, as of XX/XX/XXXX, the three major credit bureaus changed the amount of months that a collection company can report a medical debt over {$500.00} from 6 months to 1 YEAR. I have attached a screenshot with the changes and the dates that they take effect. You will see that only the practice of not including medical debt under {$500.00} will not take place until the first half of XXXX. 

The new collection being added will have a severely negative impact on my scores, and those points can only be recouped when the collection is removed. Therefore, it appears that Harris & Harris is in violation of the new rules and regulations set forth by the bureaus in what seems like an attempt to force full payment so that it will be removed from my reports. Harris & Harris is conducting what is essentially a bait-and-switch scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a POA, dated XX/XX/XXXX, over my mother 's finances. She has XXXX XXXXs and does not have the capacity to even sign her name any longer. The POA was among the paperwork signed and notarized on XX/XX/XXXX, given to us when we opened a checking, savings, credit card and a XXXX account with XXXX branch in XXXX. The XXXX account has been closed for several months but has all the POA and Affidavit of POA in their system under that account. 
Several months ago, I went in my local XXXX branch to close the checking account. I handed the teller a courtesy copy of the POA, in case there were any problems. Up to that time I had been banking with the downtown XXXX branch without any issue using the POA. 
The teller took the POA and went to the Assistant Branch Manager XXXX XXXX ( XXXX ) XXXX. He gave me an Affidavit of POA, which needed to be notarized. So, I spent 3 days getting a notary because it was only by appointment. Then I asked to speak with XXXX XXXX 's superior, XXXX XXXX XXXX ( XXXX ) XXXX. He gave me more forms to fill out. On XX/XX/XXXX, XXXX XXXX called me and was very apologetic and admitted they found the documents from XX/XX/XXXX in their system. 
On XX/XX/XXXX, XXXX XXXX called me and informed they are not accepting the POA, even though it had been approved on XX/XX/XXXX and again by himself just a couple days before. I had already signed these forms to close my mother 's XXXX account, so I am in XXXX 's system, from either the XXXX or downtown XXXX branch. Why won't the XXXX branch close my mother 's checking and savings accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is in reference to complaint num. XXXX ... which is telling me they have done nothing wrong and I 'm not specific enough ... how specific do I need to be ... for one you are not aloud to charge multiple property inspection fees on the same day and still monthly ... that is called double dipping ... .for two ... you are not aloud to practice unfair ... deceptive and abusive practices on a family for 7 yrs ... and get away with it ... that is ludicrous ... .and your still doing it bc your ocwen and can do whatever you want!!! That 's even worse ... no one..and I mean no one should have to go through what your co has put us through ... i wish I never bought this home ... i would have never met you and my life would be normal ... instead of all the emotional XXXX your co has put us through ... now I want you to know I have a complete application in with ocwen for assistance ... ..i do not have a sale date as of today ... my application was faxed in on XX/XX/XXXX ... .at XXXX ... at XXXX ... and at XXXX ... .faxed 3 times to XXXX XXXX XXXX ... .a short sale was entered for the 3rd time in a year ... on XX/XX/XXXX ... .nothing from ocwen!!!! That 's fine bc they are still in their time frame but it wo n't be long ... and do n't even try and say it 's not complete or you did n't get something ... .just dont!!!! When are you guys gon na help the families that really need it????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX Credit Plus - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Bought a new XXXX truck in XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX  with extra warranties and packages and was told I have 30 days to change my mine and cancel for full refund. I canceled within thirty days and was told the refund will be sent to my lender Citizens One Consumer Loan Services in the amount of ( {$3800.00} ) but as of date my account has not been credited the money. XXXX XXXX XXXX in a letter state the money was sent to my lender. I reach out to the Illinois Attorney Generals Office to get that information from the XXXX XXXX XXXX. I then contacted my lender Citizens One Lender and they state they could not find any reimbursement check from XXXX XXXX XXXX. Now I am reaching out to you to help get my reimbursement money owed me. I am paying for a loan that still include the {$3800.00} in the loan on which is causing me to pay more interest. I have no way to electronically send documents but if you will send me a claim and the attention who to send the documents too I will mail them. All my contacts with the Attorney General Office was by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX is handling The public service loan program irresponsibly and sending misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have three accounts with Midland Credit Management and every one of them is being reported incorrectly on my credit report. I received a letter from them on XX/XX/2020 stating that I still owe them XXXX for a XXXX  XXXX account. They had sent my account to a lawyer and garnished my check for XXXX after I had already paid them XXXX. The XXXX  XXXX account is more than paid in full. Another card ( XXXX  ) they have on my credit as owing XXXX and I paid it down to XXXX. They couldn't find the payments is what they told me. This company calls me numerous times a day threatening legal action on accounts that are already paid for. They misrepresent themselves and are irresponsible when it comes to accounting for money. I have all of the paperwork and copies of checks. This company should not be able to do business like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-04
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to do a shortsale, I had a buyer and realtor in place to do the short sale. It was with Shellpoint, Mortgage Servicing, it dragged on for years and its still dragging on. 

The last issue what stopped it all was that Shellpoint and XXXX ( XXXX XXXX XXXX XXXX ) can not decide who is in first position on the mortgage. 

Please assist if all possible or if you can not please let me know ASAP, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX of 2021 thru XXXX XXXX 2021, I noticed that after Capital one reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop XXXX points on two credit bureaus each time and XXXX points on the other. A total of XXXX to XXXX points. I make it a point to keep my utilization within XXXX  % as I have been working hard to build my credit expecially over the past year. After several conversations with Capital One where they insist that they are not reporting the balances, and also calls to XXXX  and XXXX, I had no choice to turn to CFPB for investigation. I have also asked several times for the Capital One customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the XXXX times this happened, I did see where XXXX of the times the balance was reversed back but, I was not given my XXXX points back. I am a small business owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the XXXX credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions Inc.
State: LA
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 know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix the accounts 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 2018-10-25
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!

Company response to consumer: Closed with explanation