BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment was due on XX/XX/XXXX. Ocwen has not been willing to do a loan modification on our account. As a result, the payments have been due on the first of the month and I have been making my payments on the XX/XX/XXXX or XX/XX/XXXX of each month. The FCRA says that an account should not be reported delinquent unless you are XXXX calendar days past due. It appears that Ocwen 's logic does not comply with the FCRA requirement in XX/XX/XXXX that only has XXXX days this month. I made my payment on XX/XX/XXXX and they reported me as XXXX days past due ( XX/XX/XXXX would actually be day XXXX )

Company response to consumer: Closed
Consumer complaint received 2015-12-01
Company: Cooper Hoffman Klein Associates
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Continuous calls from Cooper Hauffman & Klein. I have been ignoring their calls for months after my request for a debt validation letter was ignored. They continue to call and harass me multiple times per day. They use foul language, threatening tactics and will not stop despite my verbal request that all communication be by postal mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, my Chase bank account have received unexpected REFUND from XXXX XXXX on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to XXXX XXXX. Please see enclosed proof from Chase Bank that REVERSED transaction went through to XXXX XXXX ( page XXXX, marked as # XXXX ). 
But XXXX XXXX didn't received this amount. Attached is a copy of my credit card account that shows only CREDIT REFUND on XX/XX/2022 but not RECEIVED money back. 
Please investigate with Chase Bank where this REVERSED money went? 
Since XXXX XXXX didn't get this money, they told me I owe them this amount. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: CA
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 am filing this complaint because Experian has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

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

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

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 2022-04-11
Company: EQUIFAX, INC.
State: NJ
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:
The inquiries listed below are all reported on my credit profile as a result of fraudulent unauthorized activity. Ive personally contacted the credit bureaus and told them this in hopes to have these inquiries removed but their response to me was no. Ive taken the time to list the name of the inquirers and the dates they inquired to make it easier to have these inquiries removed, Ive uploaded documentation below proving these inquiries were a result of fraudulent activity. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Healthcare Financial Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I asked for verification of my debt via telephone, and they mailed me verification. They sent me the lease of someone named XXXX XXXX. This is not my lease, and they 've shared this person 's information with me. It 's sickening to think that my information could so easily be shared with others, too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
See dispute letter

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 2020-03-25
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
With every monthly payment, I pay some extra payment and payment coupon clearly indicates the extra payment should be applied to extra principal. My contract allows me to pay off the loan without any penalty. As far as I can tell, NewRez is " unaplying '' any extra payment. In XX/XX/2020, I paid {$5000.00} toward my monthly payment of {$1300.00}. I had specified in the payment coupon that {$3600.00} to go toward extra principal, {$78.00} toward the escrow shortage NewRez collect. Instead of applying these payments, NewRez " partial payment unapplied '' all the amonths but {$78.00}. According to the XX/XX/2020 statement they reversed all the " unapplied payments '' and indicated I owe {$760.00} toward my XXXX payment. However, in XX/XX/2020, I sent NewRez {$2000.00}. They again " unapplied '' some portions of the payment and charged me {$54.00}. 
I seriously doubt the company is not practicing the proper financial standards and needs to be looked into.

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 2022-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
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  XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Payday America Inc.
State: MN
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Continental Finance Company, LLC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Resurgent Capital Services L.P.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: QC HOLDINGS INC
State: ID
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
A debt collector called and said that they are collecting from a pay day loan company that we owe money to. We informed them that it was paid off years ago and they said it was not. They said that if we give them our debt card number that they would only charge us for a smaller amount rather then the whole thing. We said no and that is when all XXXX broke loose. He told us that he was going to take our car, license, bank account, house, everything. He also gave names and phone numbers of everyone in my family and said that he was going to call all of them. He did and used different names and different debt reasons. He also said that he has had people fallow us and has surveillance of everything we have done over the last 4 years. At this time we hung up and as soon as we did he call my father, mother and sister. At that point I called FTC and they had me talk to the FDCPA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: KEYCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my account on  XX/XX/XXXX . Because of overdraft fees, I had a debt of {$400.00} and they would not accept any other deposits [ to the account ] but, they did take my federal and state tax returns, those checks were deposited  XX/XX/XXXX  in the amount of {$3900.00} for federal and {$290.00} for state. On   XXXX   XXXX   XXXX  , I went to the bank and I sent in everything they asked me for and they didnt send me the difference. From XX/XX/XXXX  to date, they have not returned my money. I went to the general manager of the bank, Ive called them, and they havent resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received a copy of my Transunion credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am saying that I am 100 percent sure if they are wrong. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have a late payment listed in XX/XX/2021 Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 

Account name : XXXX. XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please reinvestigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is XXXX XXXX XXXX XXXX MI 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