BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to CAINE & WEINER with account number XXXX. They should have confirmed this from the Original Creditor XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Account status incorrect

Complaint:
My education accounts still reflect a negative status despite being awarded a total and permanent disability discharge.

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 2020-01-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened up two accounts in my name to different regions and they will not let me open up an account Ive got it right here Im gon na send it I just Ive never had an account with Wells Fargo and now I cant but Ive got proof that they did this they did this to a bunch of customers please take care this for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. XXXX 1681e ( b ) and 15 U.S. Code 1681 ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within your Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2022-08-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE BEEN MAKING REGULAR MORTGAGE PAYMENTS SINCE THE END OF MY FORBEARANCE, ALMOST A YEAR. YOU DENIED THREE OF MY PAYMENTS IN XXXX, XXXX, AND XXXX, THEN YOU COME BACK AND ASK ME IF I AM HAVING A PROBLEM MAKING MONTHLY MORTGAGE PAYMENTS. CAUSE YOU WILL NOT GO THRU THE PROCESS WITH THE VA. I THINK THAT IS A CASE OF DOUBLE JEOPARDY. I AM ALREADY INTO DELINQUENT STATUS FOR {$29000.00}. THEN YOU TAKE THE RIGHT FROM ME TO CONTINUE MY PAYMENTS CAUSE YOU WANT TO FORCE ME TO PAY {$29000.00}. PUTTING ME FURTHER IN HARDSHIP. IF YOU WILL JUST DO THE PAPERWORK TO HAVE THOSE PAYMENTS GO INTO A LIEN, BUT YOU WANT TO PROFIT FROM MY HARDSHIP FOR 30 YEARS, BY COMPOUNDING IT TO MY PRINCIPAL. I NEED TO TAKE A LOSS, NOT YOU TO MAKE A PROFIT,

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 2015-08-05
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I never owed XXXX {$310000.00} as reported to the credit bureaus. 
Since it was removed I suppose it paid off {$240000.00} reported by Indymac. 
And {$70000.00} to XXXX I paid twice and XXXX with whom I never had an account. 
Since the other {$240000.00} reported by Indymac was removed plus another {$17000.00} paid to XXXX ( of which some of it went to midland ) would be the other {$260000.00} XXXX loan I paid twice. 
From this the {$240000.00} remaining amount of my 1998 30 year loan payments would be paid in full. 
Now that I have paid XXXX another {$100000.00} for the 17 years escrow I owed and I did n't know I was using to fund the prepaid line of credit, I have now repaid someone else for my own money. 
This implies that along with the {$15000.00} I already paid to midland -but only 17 years escrow disbursed on my house I also paid {$41000.00}. ( This was the payoff amount of my duplex XXXX XXXX foreclosed. ). Having already paid {$140000.00} for my duplex did they foreclose on the {$59000.00} XXXX XXXX XXXX did n't give me? - Meaning I had a {$5000.00} credit balance at foreclosure because of XXXX XXXX XXXX - for a credit offer I did not accept and for money they did n't give me. 

I lost my duplex XXXX XXXX 's attorneys valued at {$78000.00} ( and XXXX XXXX valued it at {$150000.00} ). But XXXX XXXX XXXX thought it was worth {$200000.00}! 
Taking off the {$53000.00} balance reported to the IRS and giving me back {$62000.00} value reported ( amount overpaid ). I paid {$150000.00} for my XXXX someone else owns - For {$59000.00} XXXX XXXX XXXX did n't give me I do n't know who I should send this to. the CFPB needs to compile all of my recent complaints and sort out who is to blame. 
XXXX need to fix it. 
XXXX XXXX XXXX needs to pay me back. 

So along with the {$210000.00} I already paid must be that other {$260000.00} first XXXX loan released twice. The other XXXX loan loan released was the 1998 30 year loan paid off in only 15 years. 
It all fits. There is no balance and XXXX owes me {$210000.00}. XXXX owes the escrow I 've used since the modification. I do n't know who owes me {$59000.00} extra I paid to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Is on my credit report for auto loan. They are report XXXX this loan on my report and this auto loan is not mine. I have tried to reach several times then I notice that that must have gotten repoed and they updated on my report when I went online to verify the car details this company still show The full amount owed on report when. They sold the vehicle for a cheaper price I am not responsible for this loan I ask that this please be remove asap. This company is fraudulent they added all kinds of extras fees on this account and the dates are XXXX by law this is against the law

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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A payment of XXXX 41 days late for the XXXX payment. A double payment was set up to be paid XX/XX/XXXX of XXXX. Account was still considered late on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I purchased a home in XXXX 2014. The seller had an outstanding loan to Ocwen Loan Servicing which the Seller paid off and Ocwen sent him a notice of payoff stating the debt had been paid in full. However, Ocwen has still not released a lien on my property even though the previous mortgage was paid in full. Having an outstanding lien on a property in which the mortgage has already been paid in full is in direct violation of Ohio XXXX XXXX XXXX Entry of Satisfaction. Ocwen needs to release the lien in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2022-08-27
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In short this debt / collections matter is fraudulent in nature. The original creditor sold this debt fully aware of my dispute, however over the past XXXX  years I have had this reported on and removed from my credit report at least XXXX times previously. The new collections company XXXX Source Receivables Management ) has presented a new account number and amount ( fraudulent ) and reported to the credit bureaus. Note I have a pending disputes with the credit bureaus, however I feel they are complicit in allowing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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 noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.

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 2022-02-22
Company: Exeter Finance Corp.
State: GA
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:
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Creekside Recovery And Capital Management
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: AZ
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 am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX ; ph : XXXX. 
XXXX ; XXXX. 
XXXX XXXX ; XXXX. 
XXXX XXXX  ; address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX XXXX  ; ph : XXXX. 
XXXX XXXX XXXX ; XXXX. 
XXXX XXXX ph:XXXX.

jpmcb XXXX XXXX ph:XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Americollect has placed an account on my credit reports in the amount of {$52.00} for an original lender of " XXXX XXXX XXXX XXXX '' it appears to be a medical debt that I know nothing about and I was not provided with any communication in reference to this account nor able to request a VOD or a payment arrangement before Americollect started damaging me credit. If I received services what were they, when were they, what were they for, and were they billed properly through insurance, and if so was I ever offered an arrangement and why would the account type be NOT REPORTED and what type of credit limit do I have with them? I have received NO WRITTEN COMMUNICATION FROM AMERICOLLECT and the first attempt for them to reach me is to damage my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.

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 2015-11-24
Company: Pacific Rim Alliance Corporation
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing XXXX.

Company response to consumer: Closed with explanation