BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: Orions Management Group, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. ORIONS MANAGEMENT GROU has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Coast 2 Coast Financial Group, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the wrong payment information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with Coast 2 Coast lenders to remove this account from my credit report once account was paid. The account was satisfactorily paid in XXXX  so I am confused as to why this information is being furnished to XXXX. I am enclosing a copy of my credit report. Please remove this account from my credit report COAST 2 COAST LENDERS 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 2023-12-13
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At least the car from GM financial when my lease is up they told me I have 30 days to return it, then they gave me additional 30 days to get a new car with them which I did, in the meantime I tried making a payment they did not accept it l, They said I have to bring back my car, at the time when I got my new order in I made the payment the full and they went and they reported me to The credit bureau that I made a late payment even though they did not accept my payment, also I spoke to representative They told me they send the bills to my address without an apartment number which I never received Please help me out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Had issues with Flagstar previously. Where they don't process my loan payments from my bank on time then assess a late fee and as before statements are not available on line when attempting to pay. This is ridiculous. Was so happy when they went away as my loan servicer previously but I have them back again. Same antics with them. They didn't process a check from my bank few months back so incurred a late fee and credit hit. Now I am not sure what I am paying for ( can not get a statement today ) but forced to pay the higher payment this month since I can not be late. I have to pay on their website and take screenshots of that so they don't XXXXXXXX XXXX again. Current loan # they are servicing is XXXX. I think they purposely doing these things to collect late fees

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 2023-10-15
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.

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 2023-10-15
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My mother stole my identity back in XXXXXXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My mother stole my identity back in XXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My husband XXXX XXXX passed away in XX/XX/2011 by XXXX in front of me and our kids in my home. I gained all his belongings as he passed. I contacted Wells Fargo about his passing. Wells Fargo allowed me to make payments on time for a year. XXXX dollars a month. The sent someone to do a volunteering repossession. I contacted Wells Fargo and asked why they took my money for a year and now repossession. They said well you drove it. That was the last vehicle my husband was in before he passed. The stole my money and my last real piece of my husband. I want all my money back and pain and suffering. This company is robbing widows.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month. 

For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees. 

I

called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed my checking account after they were unable to verify a check in late XXXX. 

I had called several times to remedy the situation prior to the closing and after. They weren't able to get the check writers contact information correct in their system to be able to verify the authenticity of the check. 

They pulled the funds out of the check writers account and have proceeded to hold my funds XXXX since XXXX. 
On XX/XX/XXXX I went to the chase bank in XXXX  XXXX Iowa and asked for a copy of all of my banking statements, and they were able to provide me with them. 
I also asked to follow up on the account hold. After making a phone call they were still unable to clear the hold on my funds. The branch manager said that even if I were to bring the person who wrote my check into the office they would still not be able to release the funds due to their verification process. They did state that in a year or two they would release the funds to the state to return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-10-15
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I wrote a dispute letter to NCB Management Services requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that XXXX has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can NCB legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Each bureau is also reporting multiple inaccuracies on my reports. XXXX is reporting last active as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. They are both reporting two different last reporting dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. They are both reporting two different last payment dates. XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX. 

Furthermore, isn't XXXX XXXX the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how are the other two bureaus able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.

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 2023-10-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive spent months trying to communicate with the credit card company XXXX XXXXXXXX XXXX, without resolve they sold the debt without my consent. Ive sent a complaint in before and all that was sent back to my address were statements, there was no proof or signatures shown anywhere in the documentation sent. After this company sold the debt to a debt buyer whom theyd given my information over to, with constant emails, harassment, which cause stress, anxiety and fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For the last year or so PayPal Credit/XXXX has been charging me interest on deferred interest charges. I pay my charges that are not interest deferred along with my interest deferred balance due on time and all together on one payment and do this online. PayPal Credit is not applying the payments correctly and they do not offer an online solution for allocating where my payment goes towards on the statement charges. I have called in several times to complain and get the interest charges off my statement but only get someone with dogs barking or kids crying in the background who have no clue how to help me. They keep telling me to call in and make my payment over the phone so it can be allocated correctly. Ive tried this several times and have no options via phone to get this done. It is a painful process and in the meantime Im paying interest charges for no reason as Im paying ahead on my deferred charges. Its a scam they are getting away with and Im furious! I feel I have no way to stop this and they continue to get money from me that is not theres to have. Please do something about this ASAP as they owe me money back from interest charges that should never have been applied.

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 2023-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Report Number XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Selene Holdings LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
asked for debt validation and what gives an attorney pc to act as a debt collector here in michigan, as attorney can not act as debt collector, per michigan law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Netspend wont give me any information with my accounts I have active accounts with fund but they wont allow me to use my funds they keep shutting down my accounts without me knowing nothing

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