BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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: Personal information incorrect

Complaint:
I have never lived in  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 non-monetary relief
Consumer complaint received 2016-11-08
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan servicing has now sent me another set of duplicate responses to my previous claim in which I requested that Ocwen send me copies of the document they say they filed with the County. 
It really amazes me how a financial situation can openly mock the system. 
Ocwen has sent me a release that was issued against a different apartment I owned up until XX/XX/2015. Which by the way, the crook investors Ocwen represents, grossly took away from me. 
Now investor and/or Ocwen wants to claim that that is the document they filed for apartment XXXX??????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: HW Holding, Inc
State: TX
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:
The debt is a result of a judgement found against me during eviction proceedings. However, the collection company is attempting to collect over XXXX the amount of the judgement. The bill I was sent includes charges specifically prohibited by Texas Law. I believe that it is illegal for them to send me a bill for items prohibited by law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Inaccurately reporting to credit bureaus that my loan term as 538 months. My loan term is only for 30 years which is 360 months. I have disputed this with the credit bureaus and the Ocwen Mortgage company with no resolve. Ocwen is also reporting on my account log in that my loan term is 538. This is not what I agreed to in my loan modification on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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:
XXXX, XXXX  and Experian are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to 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 2016-05-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Sentry Recovery and Collections, Inc.
State: NV
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:
Company continues to violate FDCPA. 

Case number : XXXX Related Case Number : XXXX Please read prior response they submitted to initial complaint. Not only have they not removed this from my credit files, but they continue to confirm this to the credit bureaus. I have confirmed this with XXXX and XXXX as of this date, XXXX/XXXX/2016. 

Company responded : Sentry Recovery and Collections, Inc. said : Explanation of closure Given XXXX claims that the amount assigned for collection was not accurate and the original creditor 's failure to contact Sentry in response to its attempt to investigate XXXX claims, Sentry has closed the debt and returned the account to the original creditor. Sentry will also dismiss the lawsuit that was filed against XXXX XXXX for collection of the debt. Sentry however, remains adamant that there was no FDCPA violation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nevada Case Number XXXX Department XXXX Shows this debt is not mine as the case was dismissed. Employees of Sentry Recovery and Collections continue to pose as a " legal '' department at location XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NV XXXX. Employee XXXX, as well as the front desk secretary have used manipulative and threatening tactics stating that the credit files will not be updated until I pay the debt that is proven not to be mine. 

I have proof of contact via phone through billing statements, as well as stopping at the office on XXXX/XXXX/2016 at XXXX XXXX to attempt to get a paper to send to the credit bureaus with the response being that XXXX was " out to lunch '' and then after I said I would wait, that " I need an appointment. ". 

These complaints will be brought forth in response to the illegal activities in the appropriate forum if I do not have proof that this has been removed from my credit file by Monday XXXX/XXXX/2016.

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 2015-06-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
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:
I contacted XXXX XXXX account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened up a Comenity Bank Virgin America Visa Credit Card. Original terms of the agreement say that I am eligible for a  XXXX  $ statement credit with my first purchase. It has been about 3-4 months since I opened the card, and everytime I call customer service I do not get a right answer. Please contact the bank to process the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Pinnacle Credit Services, LLC
State: FL
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 had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Inquiries made by companies knowing I didnt qualify for what they were offering. Credit card, Morgage loan, ect.

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 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Exeter Finance Corp.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: LEXISNEXIS
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:
XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: TFC Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a financial emergency for which I took out a title loan on my XXXX. I have been self -employed my business was doing well enough that I was confident that I would be able to pay the payments on the monies I was given. I then woke up one morning unable to feel the right side of my face and unable to speak correctly and could not see out of my right eye I have been diagnosed with XXXX and have to have in home health care services to assist me in getting dressed and driving me to where ever I need to go such as doctors appointments I also have a minor child who needs to get to school. my business has greatly suffered due to my condition which my doctor says is caused by the serious accident that I was in to which I was nearly killed for which i sustained multiple injuries one being a XXXX that was never addressed with my medical treatment. I wrote a letter to XXXX at Trading Financial Credit to explain my situation and that I could only send them {$300.00} per month which would only be for a few weeks until I got my settlement money to pay off the loan I even attached a check for {$300.00} with the letter..I made XXXX payments XXXX for XXXX and XXXX for XXXX I had not heard from the company so I was relieved that they were in agreement to accept my payments.On XX/XX/XXXX a tow truck showed up at my place of residence to repossess my XXXX .I did not surrender my vehicle it is still in my possession.I called Trading Financial Credit and spoke to a woman in the recovery department who told me that I had been sent via email 2 notifications XX/XX/XXXX and XX/XX/XXXX to which i stated to her that I check my emails daily and there were no emails from them notify me that my car had an order of repossession. she proceeded to tell me that in order to get my account current I needed to give them {$1200.00} and that in 12 days it would be {$2000.00} so I should just give them the {$2000.00}. she stated that if i was in bankruptcy status that would be the only way i could keep my car. i spoke to 2 different bankruptcy attorneys and was told i would still lose my car. On XX/XX/XXXX I spoke to a XXXX who is the Servicing Manager to once again explain my situation to which I was told he did not care and that in order for the repo order to be removed he wanted me to pay on XXXX XX/XX/XXXX {$340.00} via XXXX and once I gram and once I gave him the transaction number he would remove the repo order but it would only be for 2 weeks after the 2 weeks i had to pay {$890.00} or the repo order would be in effect again. they will not work with me for only a few weeks thats all I am asking until my settlement comes to allow me to pay the {$300.00} to them and not repo my vehicle but they are strong arming me to come up with money i do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Stellar Recovery, Inc.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX

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