BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: Collection Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2015 I received a copy of my XXXX credit report. I noticed XXXX collections from Collection Resources INC XXXX NM XXXX Phone : XXXX ( XXXX ) XXXX I called XXXX on numerous occasions and disputed these items, however they did not remove them. On XXXX XXXX, 2015 at approximately XXXX I called Collection Resources INC and spoke with XXXX and she stated I only have XXXX account with them. The account number is XXXX and stated that the other account was the same XXXX. The other account number is XXXX. The same debt is reporting on my credit report twice. XXXX informed me that the collection agency does not speak or communicate XXXX. When I spoke to XXXX they informed me to contact the collection agency. No one has given me a correct answer, and XXXX parties have failed to Validate these accounts. This account must be removed due to the fact its reporting twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I got a new job as a XXXX with a XXXX  XXXX  in XXXX XXXX, California. I had to relocate. On XX/XX/2022 I found a house I liked in a post of the XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After several messages I connected with XXXX XXXX on XXXX after reviewing his profile and noticing endorsements and work connections to verify his identity. Convinced I was renting a home, XXXX had me fill out a rental application. And then instructed me to make the direct deposits for first months rent and the rental deposit of {$6700.00}. On XX/XX/XXXX, XXXX and XXXX 2022, I transfered a total amount of {$6700.00} through my XXXX XXXX bank and XXXX XXXX  with Zelle and XXXX XXXX. I receiced a receipt for my payment. 

On XX/XX/2022, I flew to XXXX XXXX, California to relocate to my new rental home and start my new job. When I called the rental agent for the home I paid first months rent and deposit of {$6700.00}. XXXX XXXX ignored my calls and disappeared. After numerous attempts at calling the realtor, I came to and realized that I was tricked into committing a financial error by making a direct deposit to someone who tricked me under false and fraudulent pretenses. My family and I experienced additional financial challenges after having our money stolen as we had to pay for a hotel unexpectedly, as we traveled with our XXXX baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Southern Management Systems Inc.
State: FL
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:
On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.

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 2021-07-10
Company: Results Unlimited, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved out in XXXX. Received bill in XXXX. Made numerous attempts to contact via email and phone regrading discrepancy Im receiving bill. Filed XXXX  complaint. Spoke with XXXX XXXX at corporate who was supposed to look into having removed and contact me back. She never did. Collection agency is now harassing me and threatening legal action for debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again 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 2016-05-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: South Mississippi Collection Services Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was bought by Carrington Mortgage Services from Bank XXXX.  They are telling us that there is a late fee from Bank XXXX.  They can not tell me when or why I received this fee.  I asked them to wave this fee because they can not tell me why or when I received it.  They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to link my bank account to my XXXX account. I need to be able to securely and quickly send someone some money. I get this error : " PNC has made a change that prevents you from being able to link your accounts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have overdraft protection with the Bank of America. Yet it continues to charge me {$35.00} per overdraft! 

XXXX XXXX. {$35.00} XXXX XXXX. {$35.00} The result is constant overdraft of my account. 

I am under the overdraft protection not to be charged an overdraft fee yet the Bank of America continues to do this despite my many complaints to them! 

Totally 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 monetary relief
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with XXXX  and Transunion for that month. Also, XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Transition for that month. Transunion is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.

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 2020-08-18
Company: AMA Advisors, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage in XXXX through cashier check .The mortgage company has the cashier check but do not want to put in the work to find it .My bank already faxed them duplicate of the cashier check .it has been over 6 months and anytime I call I get the same response Give me up to 3 working days and nothing is being done .They reported me to my credit bureau amidst all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows

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 2021-07-10
Company: Experian Information Solutions Inc.
State: PA
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 have no a knowledge of this account according to the FCRA This item must be removed

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 2021-07-10
Company: Phoenix Financial Services LLC
State: MS
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Bread Financial Holdings, 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:
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This item is with Equifax. It is more than seven years old and is not mine. I am a victim of identity theft because of this. I have tried to call them but keep getting the run around. The total dollar amount is {$4000.00}. Public Record Details. I need it removed immediately. 

XXXX Docket number XXXX County, TN Status Amount {$4000.00} Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no a knowledge of this account according to the FCRA This item must be removed

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 2021-07-11
Company: EQUIFAX, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Item was supposed to be deleted. Have documents from XXXX XXXX, the creditor for the collections account on my credit report stating they requested Equifax to delete the item. Equifax did not delete. It was paid off back in XXXX and deleted from XXXX and XXXX. It only appears on my Equifax. They refuse to help me over the phone and made me wait 30 days even though XXXX XXXX sent the deletion request right when I called them. Equifax is ruining my life by keeping this on my credit report. I actually had a woman laugh at me on the phone on XXXX of the various phone calls I made checking the status of my dispute when I told her I was on the verge of being homeless because they wo n't delete this account. It was originally deleted in XXXX off all XXXX credit reports and then Equifax started reporting it again. I 'm tired of dealing with this. I did my part, so did XXXX XXXX. Now it 's time for Equifax to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has failed to update payment history that XXXX XXXX  has submitted. XXXX  has already done so 45 days ago

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 2021-07-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed with know warning and they said it was due to a policy about if an account is over drawn for 60 days they close it. Was not in my paper work and now I have no way to be paid from my new job. I know this is erroneous due to having my account over drawn for longer before.

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 2017-02-16
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation