BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: Firstsource Business Process Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: BANK OF THE WEST
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.

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 2016-07-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Online dispute does not work. Online dispute asks questions about accounts that are not mine. After answering " none of the above '', session is terminated. It reports I am an imposter and request I send a copy of my license and call some " XXXX '' number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and equifax and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Apparently my x-wife went to a XXXX in XXXX, Tennessee and had a procedure done using the old XXXX card that was only good when we were XXXX. I have XXXX papers proving that she was no longer insured after the XXXX. Now apparently XXXX XXXX shield has denied the claim but it 's showing that the charge was JOINT?? I had no knowledge of any of this and did not sign any paperwork for her or on her behalf. I only found out about the collection because I monitor my credit report from time to time. Now it has gone to collection through a company called XXXX XXXX and XXXX and is showing as a collection on my Credit Report. What do I need to do to get this off my credit and get her to stop using my card. XXXX XXXX had told me that they ca n't take the card from her and she has tried this before?? She is still using the name of XXXX XXXX and is not supposed to be using my last name anymore, the court ordered her through the XXXX to change her name back to XXXX XXXX XXXX and she apparently has not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: AR Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email stating that my credit score went down XXXX points and its from this company called AR Resources and last year the same company lowered my credit score saying I owe money and then I received a report saying that my debt was paid off and now they are trying to charge me for what? I havent been to the hospital in a good while now. I did go this year but it was for my mom she was not feeling well and I accompany her to the hospital. Im not sure what is going on or why they are charging me when supposedly the debt was removed back in 2021?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

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 2017-05-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hunter Warfield is reporting a debt on my credit reports without giving any prior notification or validation of debt. I 've disputed this debt with the credit bureaus as I have no knowledge of it. Hunter Warfield has not given any validation of this debt and has not notified me of any rights I have as a consumer to dispute said debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,    2017,  the borrowers executed a permanent modification agreement. On  XXXX   XXXX ,    2017, Ocwen  executed this modification agreement. The borrowers timely made each payment under their trial modification plan and continued to make timely monthly payments after their loan was permanently modified. However, the first mortgage statement they received  after Ocwen  executed the permanent modification agreement, which is dated  XXXX   XXXX ,    2017, f alsely states that there is a past due payment amount of {$1100.00}.     Furthermore, the only mortgage statement the borrowers received in  2017 is  the mortgage statement dated  XXXX   XXXX ,  2017, w hich is for the payment that came due on  XXXX   XXXX ,  2017. T his failure to send the borrowers a periodic statement each billing cycle constitutes a violation of   XXXX   XXXX   XXXX       On  XXXX   XXXX ,    2017, t he borrowers mail ed Ocwen  a qualified written request, in which they explained that their account is in error because  Ocwen falsely claims that the account is past due and Ocwen  has failed to send mortgage statements each billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
citi bank some how put me in a protection program that I did not need. A  XXXX  a month now I wonder why a  XXXX  coming out of my account. I told them to cancel it they told me I have to pay for it. I told them that I have to pay for something that I did n't want. I do not want that service and they are trying to make me pay for 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 monetary relief
Consumer complaint received 2017-05-18
Company: SUNTRUST BANKS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX  and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is listing my credit score XXXX and they say it is due to overdue payments. The other XXXX credit score agencys have me in the top XXXX. I do not have any overdue payments on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve

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 2015-07-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently viewed my credit file and saw that XXXX department store was placed on my credit file, in the amount of {$220.00}, with a stated date the account was opened as XXXX/XXXX/XXXX. I personally do not have a charge account or card with XXXX, however, my dad has a XXXX charge account. I reviewed my credit report and the entry stated that I was added as an " authorized user '', I never gave the authorization to be added to any one 's account, so I figured there was some sort of mix-up, so I asked my dad if he, in fact, added me to his XXXX charge account. My dad stated he may have added me, but could not recall whether or not he did, or did n't.
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All I know is and am concerned about is the fact I never gave authorization, or consent to be place as an authorized user on any account ( s ).

Company response to consumer: Closed with explanation