BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Jormandy, LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.

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
Consumer complaint received 2020-03-20
Company: USCB, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a concern that my privacy rights were violated through a family member ( brother-in-law or b-n-l ). The company RevSolve contacted my brother-in-law on XX/XX/XXXX regarding a small medical debt he owed. The agent then asked him if he knew me. He stated that I was his sister-n-law and asked if there was a problem with me and if he could pay my account off. The agent told him she couldn't give that information out, so my b-n-l said " Then why did you bring her name up? These two accounts have nothing to do with each other. '' Since my b-n-l was on the road when they called, he called them back on XX/XX/XXXX to pay off his account. On that phone call, a different agent asked him if he knew me - this would be a second time my name came up. My b-n-l again told the agent that our accounts have nothing to do with each other and why are you bringing her name up to me? My b-n-l was concerned and so finally decided to ask me about it. When he asked me " Are you and " my husband '' having financial difficulties? '' I was mortified that he would have been subjected to that through TWO agents of the company RevSolve. My name should have NEVER been mentioned what-so-ever to him. Our accounts are in no way connected. It would be no different than having 20 " XXXX 's '' and assuming any of them would be connected or related. I contacted RevSolve on XX/XX/XXXX to file a complaint. They were supposed to call me back on the same day and I have yet to hear from them. I have also contacted the medical facility on XX/XX/XXXX to let them know they are contracting with a company which is violating privacy rights. I have not received a call back from them as of yet ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Previous complaint # filed in XX/XX/XXXX for same issue this month # XXXX. 
Once again, SLS has " lost '' the electronic monthly payment sent directly from XXXX XXXX XXXX ( my bank ), charged me a late fee, and insisted that I make double payments ( for last month and this month ) while they " research '' the lost payment. 
Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. On XXXX/XXXX/16, I received my XX/XX/XXXX statement stating SLS did not receive a XXXX payment that was due XXXX/XXXX/16. I called and spoke with XXXX and XXXX on XXXX/XXXX/16.. They both told me payment was never received. They told me I had to submit the proof of payment. I obtained a proof of payment from XXXX XXXX bank showing the money was deposited electronically delivered to SLS on XXXX was also told I had to submit a FULL bank statement with nothing crossed. There is information on that statement that has nothing to do with my loan payment such as my salary, other payments I have made etc. That is none of their business. Because of an error made by SLS, SLS is invading my privacy and taking up my time and money ( gas to go to my bank, printer ink, paper, postage stamps, envelopes ) to resolve an error they made. I have spent HOURS on the phone trying to get this resolved. The proof of payment shows they received their money. It was sent electronically, so it is very obvious SLS applied the payment incorrectly. I should not be required to submit a full bank statement showing personal information that they would not be privy to if they had not made this error. I was also told that I was charged a late fee for the XX/XX/XXXX payment and will be charged another late fee for XX/XX/XXXX. To keep " losing '' electronic payments each month, telling the person they must pay the past month and current month ( double pay ), and charge them late fees is FRAUD.

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 2016-09-23
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
SLS took over loan from company XXXX. all payments are up to date and have been completed as scheduled and on time. Company SLS has been calling claiming that they have not received the XXXX payment. I have sent proof that payment was made and have also had my rep from XXXX bank send copies of proof of payment as well as documentation of the wire transfer. SLS continues to call and harass as well as asking if there phone call was being recorded. They SLS stated that a XXXX way call was required with XXXX bank, SLS, and XXXX, this call was completed and all were in agreement that payment had been made. after a few days SLS started calling again wanting payment for XXXX and claiming that the XXXX way call never happened, and or information was lost. XXXX Bank has repeatedly called on my behalf and provided proof that Payment was completed to no avail, I believe the company SLS is trying to scam myself out of more payments as well as bogus late fees which are negative to my credit rating. Explained to Rep from SLS that I will take legal action. rep from SLS said go ahead.

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 2015-06-11
Company: Element Global Services
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX, XXXX & XX/XX/XXXX 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 checked 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 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 2022-08-29
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Many things have happened. I have two exs teaming up against and trying to take custody of my children. I am going through a divorce also. I have lawyer fees still, and don't even have a lawyer anymore. I have court dates coming up. I'm a single mother of XXXX  boys. I pay for everything with less income now. I don't want to lose our home. I need help.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm XXXX  XXXX XXXX a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: MD
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 am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

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 2020-03-20
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went into the XXXX XXXX XX/XX/XXXX. Before I left the US, I closed or suspended all accounts that would not be used while I was gone. I contacted XXXX XXXX XXXX XXXX. Because they did not allow for more than 6 months suspension, I closed my account, with the intention of reopening the account upon return XX/XX/XXXX. 
I paid my final bill of {$52.00} on XX/XX/XXXX and closed my account. I no longer received the e-Bill through my on-line banking bill pay. 
I returned in XXXX to find letters ( all mail had been forwarded to my mothers home ) from Credence ( collection agency ). They were very nice and helped me dispute the charges ... twice. 
I have contacted XXXX XXXX XXXX ... they did NOT listen. They simply asked me to pay their bill! 
I have been with XXXX XXXX XXXX for many years and have paid on time. Although, they would notify me about my e-Bill, they never notified/emailed me that these charges were going unpaid. If they had, I would have known a mistake had been made, and in turn, reminded them that the account was closed while I was in the XXXX XXXX. Does XXXX XXXX XXXX do this to other customers who are serving our country?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
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:
I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them 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 2020-10-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday, XX/XX/2020, I received a phone call from a collections agency called Wakefield and Associates advising that a medical bill totaling {$270.00} had been sent to collections on my behalf. This was the first instance I had heard of any debt or anything related to medical bills. They did not have the correct address on file and the one they stated was two years old. I asked who the company was and they advised " XXXX XXXX XXXX '' from XXXX XXXX, TN. I had not had any services performed with them nor did i ever receive any bills from them. I attempted to call their phone number ( XXXX ) and it is an automated message regarding old and new medical bills. No one has returned my calls after left messages. More importantly, I never received a letter or any other information before hand regarding a bill or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, 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:
I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XX/XX/XXXX. with no change. I recently sent another letter in XX/XX/XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
State: DE
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: TX
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:
my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus EXPERIAN and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 I received an email response from XXXX XXXX stating that the account that was fraudulently opened due to identity theft was going to be removed from my credit report. Nearly 3 months later this account has been added back to my account with 2 missed payments. Experian has violated the FCRA by reinserting an account that has been labeled as fraudulent

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 2017-10-14
Company: ID Analytics, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX  reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase bank in  XXXX , TX  XXXX  allowed a person who is not  me (   XXXX   XXXX   )  to open a business account using my social security number, but someone else 's name. This account was used for a business and has since been charged off since   XXXX  . I just recently became aware of this account, when I was denied a new checking account with Chase bank because my social appears under this business that has an overdue balance. I was told at the  Chase bra nch in  XXXX , Tx  XXXX , that they could not give me any information about this account because the client is still considered and active member with the bank. I do not even know the name o f the Business or how much the account charged off for. I filed a policy report with   XXXX  XXXX   XXXX , and filed a complaint with Chases fraud department. The deputy in charge of my case says there is not really anything he can do seeing as it has bee n seven years since t he account charged off, and the bank is demanding a court order to release any other information. This account does not show up under any of the  XXXX  major reporting  Bureaus, and I was told that is because it is a Business  Account. I have been told by the social security office that without proof that someone has used my social they can not do anything either.

Company response to consumer: Closed with explanation