BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: MN
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:
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX You applied for a home loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a home loan on XX/XX/XXXXXXXX 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 2017-09-28
Company: Direct Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX I had a XXXX  XXXX XXXX so I was in the hospital for a week then went through XXXX  etc. Then the hospital bills came, I had to fight every step of the way to get my insurance to pay. I resubmitted everything probably 3x and was left with a bill of {$15000.00} that I paid. But there was a seperate bill from the XXXX  dept that was missed {$1500.00}. I made a {$250.00} payment on this on XX/XX/XXXX and was looking to pay off in a couple weeks. Then the corona virus hit and XXXX XXXX was shut down like all other businesses in the state. We were able to do take out so I called Commercial Acceptance to pay the balance of {$1200.00} and gave XXXX XXXX ( scammer ) there account # XXXX. She said that I owed {$1600.00} now that more stuff was added on my bill. It didn't make sense cause the put it on my credit report as {$1200.00} that brought my score to XXXX from a XXXX. XXXX XXXX ( probably not her name ) said it would be taken off my credit report if I paid on XX/XX/XXXX! It was never taken off so I missed out on getting the loan we needed to get outside seating for the bar requirement. On XX/XX/XXXX I receive a letter from XXXX XXXX  for Final Notice for another {$1200.00}! I called they didn't know what happened called me back a hour later and said I still owed this the {$1600.00} Went to a hospital bill that was settled in XXXX and was already removed from my credit reports over 4 years ago. She lied and scammed me out of this money and delayed our timeline on construction that is a estimated loss of {$45000.00} cause my credit report was not fixed. So they bullied me into paying another {$1200.00} on XX/XX/XXXX. I recorded all phone calls and have all canceled checks. I called XXXX Hospital today and they said I was at a {$0.00} Balance for XXXX XXXX XXXX so the {$1600.00} was just pocketed by Commercial Acceptance. This debt was paid in full when I called XXXX hospital they said XXXX was at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: Account information incorrect

Complaint:
The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Self Financial Inc.
State: TX
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 HAVE NEW AND UPDATED INFORMATION TO ADDRESS THIS COMPLAINT. THIS IS NOT A DUPLICATE COMPLAINT. 

In response to CFPB complaint case number XXXX, SELF FINANCIAL, INC. attached statements claiming that I have been late in making payments as of XX/XX/2020 through XX/XX/2020. These computerized statements have been modified and are false and misleading. The law is very clear when it states that billing statements must be authenticated if given as evidence. Unauthenticated computerized copies of billing statements does not validate any billing errors. In CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that I was only late on XX/XX/2020, XX/XX/2020, and XX/XX/2020. By this response, along with a copy of my credit report showing the inaccuracies from XXXX, XXXX, and XXXX that's attached to this complaint, is proof that SELF FINANCIAL, INC. is indulging in unlawful extortionate means with forethought and malice to continue bringing harm to me and my financial reputation. I'm well aware that the information provided in my consumer report must report with maximum accuracy pursuant to 15 USC 1681e ( b ) and the copy of my credit report that's attached does not show that. I have even provided SELF FINANCIAL, INC. their statement, in CFPB complaint case number XXXX, that they've provided to me that they claimed to have sent to the credit reporting agencies for a deletion of all late payments and it still remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.

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 2015-08-12
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!

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 2015-08-13
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX  XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates are attempting to collect a debt that isnt mine. They claim I owe {$490.00} for a XXXX XXXX card that isnt mine. I share the same name with my father who passed away last year and I know he was going through financial hardship. I truly believe to the best of my knowledge that he is the one who owed that debt, not me. They have place a collection account on my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX for {$93.00}. Called Chase about a charge. They said it was a re-accuring charge and to call the vender. I did. I thought i had this resolved. I made sure the account was cancelled. I got another charge next month and it was stopped by Chase. I called chase and they said they stopped the card. A month later, I looked at my bill. Chase re-started the card without my consent and this charge that was supposed to be stopped was billed along with several others. I called and was put on hold for 1.5 hours just to be told I needed to go to another department. On hold for another 1.5hrs. Just to be told to go to another department. On hold for another 1.5 hrs. By this time im ferrious. Of course, this person also said I needed to talk to another department. The phone call that was transfered dropped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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:
On XX/XX/2020 I contacted Experian by phone to dispute hard inquiries on my credit report that I did not recognize. The representative offered no assistance and informed me the law requires them to give my credit report to whom every request it. He also informed me Experian does not dispute inquiries and that I would have to contact the lender involved to have them removed. I am not a lawyer and I do not have the extra money to hire a lawyer to take care of this for me, I don't know the process or the steps I need to take to have these removed. I then asked the representative, why is it Experian is the only credit bureau that doesn't do this on the consumers behalf and his response was " we have a different interpretation of the law ''. 

My main complaint here is, Experian is acting on the lenders behalf and not the consumers. What I was told by the representative was, I could have my credit pulled any time by anyone without my permission and it would reflect on my report as hard inquires and Experian will not do a single thing about it. Is it not the credit bureaus responsibility to remove inaccuracies or was I lied to by a lazy representative? 

By the way I was able to dispute these inquires online without issue with the other credit bureaus.

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 2016-10-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My family has been affected by COVID-19, and I am taking responsibility of taking care of family members who are out of work. In trying to defer my car payment for the month of XXXX, CapitalOne has decided to not waive the interest fee on the car loan. This is a complete disgrace and shows that these big companies do not care about middle classed individuals during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on SOUTHWEST CREDIT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I was served paperwork that a case was filed against my spouse and I in court. 
XXXX XXXX and the lawyer representing them should be fined. 
At no time prior to this case being filed were we notified of any alleged debt. We did not receive any written or verbal messages to the fact so we could have disputed this and asked for debt verification. Our rights were violated under Regulation F 12 CFR Part 1006.

From the onset prior to being served there was no communication from XXXX Gurstel Law Firm or XXXX XXXX of any alleged debt bought from a debt buyer allowing us to be able to dispute and ask for validation. 

Case should be immediately removed from Arizona court and never to be able to sue me again or my named spouse on court case.

Company response to consumer: Closed with explanation