BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: WLCC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 , my employer received an email from Apex Servicing with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted Apex Servicing who first stated that they don;t have me in their system. Then the lady stated that yes she found me and the loan is for XXXX XXXX. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is  XXXX   XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that Apex Servicing is not licensed at all. THIS IS A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor was   XXXX   XXXX   XXXX   XXXX  . The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt.   XXXX   XXXX   XXXX   XXXX   assigned a debt collector,  United Recovery Systems.  I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off  to United Recovery Systems. I h ave the original letter of proof from them stating the debt is paid. Just after that date,   XXXX   XXXX   XXXX   XXXX   hire d 2 other  debt  collectors,    XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied.   XXXX   XXXX   XXXX   XXXX   then hir ed United Recovery Systems AGAIN t o collect the debt. This was on  XXXX / XXXX / XXXX .  United Recovery Systems s aid they did not show a record of the pay off. I had to send a copy of the letter FROM  United Recovery Systems, TO United Recovery Systems to pro ve I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN fro m United Recovery Systems ( now  know n as Alltran Financial LP ) s aying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  United Recovery Systems/Alltran Financial LP saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Penn Credit Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep removing and returning back to my credit Ive been dealing with this for years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and Experian also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting.

Information provided to me indicates original date of delinquency of XXXX XXXX  which is now over 6 years old and is now time barred.

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 2017-06-04
Company: Experian Information Solutions Inc.
State: ID
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:
On  XXXX   XXXX ,    2017  I submitted letters to Experian requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.     Experian addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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 2017-06-04
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off two outstanding bill from Mid-Michigan Collection Bureau. Still on my credit report. # XXXX & XXXX are the account numbers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on 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 explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: WLCC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacted my employer without my permission. I have a voicemail from them attesting to that. Further, I reside in New Jersey where PD loans are illegal, and loans are capped at % 30. I have paid them over {$5000.00} on {$2300.00} loan much more than 30 %. The company has no right to contact my employer thus sharing my loan information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
Transworld Systems is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX  information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 would like to dispute my inquiries from all 3 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 2019-12-10
Company: Waypoint Resource Group, LLC
State: UT
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:
Waypoint Resource Group #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Ocwen Financial Corporation
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: Reporting company used your report improperly

Complaint:
I  XXXX   XXXX  file a CFPB complaint as I believe th at Ocwen Federal  Servicing is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My   XXXX    credit report shown my firs t 30-day l ate payment for  XX/XX/XXXX . That would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my  Ocwen  account would come off  XX/XX/XXXX .  Ocwen  also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the Ocwen account should already be removed. Accordingly, I will be satisfied with a  XX/XX/XXXX  removal date. The  XXXX  credit report has cut off the same six-years of payment history, and shows a beginning date of XX/XX/XXXX  The  XXXX  credit report showing  XX/XX/XXXX  is acceptable, and I need verification from  Ocwen Loan  Servicing that the account information will be remove XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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: Information belongs to someone else

Complaint:
XXXX XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.

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 2021-11-15
Company: SYNCHRONY FINANCIAL
State: NY
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:
Once again, Synchrony has reported me as being XXXX.I reported them before because previously they listed me as being deceased on another account. This caused Accession collections to torment me regarding an estate for the deceased. I AM NOT DEAD!!!! This has caused me a lot of stress and anxiety telling people I am not dead. Why did they do this?? 
This is from XXXX. 

SYNCB/CARE CREDIT Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status - Date opened XX/XX/XXXX Account type Charge Card Usage : - Balance on XXXX XXXX, XXXX Credit Limit XXXX {$7000.00} Payment Info Status Consumer reported as deceased Status date 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

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 2017-06-15
Company: Kriya Capital, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Mana h ad not lend me any money and they are billing me  XXXX    XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company blocked me from being allowed to make loan payments via check online. I tried to call to explain that what happened is I switched banks. Before what I did was input my banking information the previous day and the money would come out the next business day because it was guaranteed funds in the account the next day. I didn't have an issue until I switched to XXXX. It took me two times to figure out that i would have to make the payment the day the funds were in the account because it pulls with them overnight. On the second time is when i was blocked from making check payments online however i explained what happened and that if they looked in their records they would see that i made the same payment amount when this was noticed so i shouldn't have been blocked. They want to argue that this isn't the first time this happened but it was a habitual or done maliciously. They want a check sent, etc however I will not be sending anything in the mail however I will guarantee that the mortgage will be paid every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a VA mortgage since  XXXX  and it has changed hand s ( servicers ) 5  times in that period. The latest took place, I 'm told, in XX/XX/XXXX  from  Ditech  to  XXXX   XXXX . I finally found this out, late in  XX/XX/XXXX , following my inquiries of the new servicer  (   XXXX   XXXX  ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to  XXXX   XXXX  for  XXXX  &  XXXX  but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with  XXXX   XXXX . I provided proof of payments to  XXXX   XXXX  and they endeavored to get these funds from  Ditech  without success until  XXXX  of  XXXX . Throughout this period I have received twice daily dunning calls from  XXXX   XXXX . In  XXXX   XXXX   XXXX   XXXX  claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed  XXXX  Federal Tax returns.  <P/> Attached is how I was informed that my mortgage was now being serviced by  XXXX   XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on  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 2019-12-10
Company: EIC Enterprises
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019, my employer received an email from XXXX XXXX with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted XXXX XXXX who first stated that they don ; t  have me in their system. Then the lady stated that yes she found me and the loan is for Inbox loan. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is XXXX XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that XXXX XXXX is not licensed at all. THIS IS A SCAM

Company response to consumer: Closed with monetary relief