BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: Robinson, Reagan and Young PLLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has wrongly submitted a collection action against me. I began new service with XXXX XXXX, and have nothing but consistent billing errors ( always overbilling ). It has been very difficult working with their customer service department to resolve the issues, but a couple of months ago, I thought everything had finally been resolved, and I suddenly received a collection notice on a bill I was unaware existed. XXXX XXXX refuses to recall the notice, and told me to pay the bill and I would have to deal with the credit reporting bureau on my own. This is unlawful as this bill is in dispute, and I do not believe it is owed. Additionally XXXX XXXX has very confusing billing practices, that confuse not only customers but their customer service group. When I contacted XXXX XXXX they also confirmed they did not show an outstanding balance. Here is the monthly copy of my bill. Since working with their customer service, and resolving all of the disputed amounts, or so I thought, I have not received a notice from XXXX XXXX that there was even an outstanding balance. I will not be blackmailed into paying a bill I was not aware I owed, by threatening me with collection actions. I have outstanding credit and will not allow XXXX XXXX to use these strong arm tactics. I pulled a XXXX report, which I have included as an attachment, and it is showing a consistent trend that they are using these unlawful tactics with everyone. Noticed, the complaints are never on the side of under billing, they are consistently on overbilling issues. And their customer service group is not resolvoing the issues corrected. When calls and discussion happen, I have requested they put it in writing because of all of the errors and miss billings and they refuse. This is also unlawful, since they are quoting pricing and locking consumers into three year contracts. They are not charging what they are quoting and we do n't find out until months later as we are trying to sort through the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was never contacted by Wakefield and Associates about any debt. I found out about it when they showed up on my credit report. I have never received a call or a letter about any owed debt. The medical company that uses their services had made a deal with me to have that debt paid. I paid the compaNY what was owed in exchange for them not sending it to collections. I have a recording of said deal. I also have the bank statement to prove the debt was paid.This agency has never called and identified them self as a collection company if they called or ever sent a written notice of said debt they were trying to collect on. This has lowered my credit report and will cost me money on the purchase of my next house since I have received a higher interest rate than what I should have recieved.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, XXXX XXXX EXPERIAN

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have several times and long time to request and to fix the credit that has been in the credit reportfor a long time and they dont respond back ever. please see previous complaint # XXXX complaint againts XXXX, TRANSUNION XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, 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 a 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 2015-09-04
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
When we were purchasing our home, we were told that it had a perfect " Third party inspection report '', we were also convinced that it did not have XXXX or XXXX pending on the property, Because A. They were no XXXX or XXXX listed on the disclosure or home description, the Realtor said there were none when we inquired, who was selling the home, and the Buyer who showed up at the showing, when asked if there were any building restrictions, never mentioned the XXXX against the property. After we signed everything, we got a email from First American Title with the XXXX exposed. We told our Realetor we did not want the property, he said we needed to come down and sign the amended home disclosure, and that we could get out of the property and our XXXX ernest money would be returned. We waited XXXX days as we were told, and then were told we needed to file a law suit to get our money back. We told our agent NO XXXX or XXXX 's, we asked the agent, we talked to the owner, they all denied it, as well as the intial listing and disclosour having no mention of them. We were threatened with a lawsuit or lose our ernest money. I read an article about your ORg. in a magazine, I was elated to know I could vent this, I felt totally backed into a corner, with no way out. I felt that the First American in XXXX XXXX was at fault for disclosing this info late, the realtor was at fault for not disclosing this info at all, and the owner did not disclose this info when asked. And the realtor said we could sign and disputed the amendment to the disclosure. His manager said we had to take the deal or lose our money, he even said that " nobody reads that stuff '', This place had fell through XXXX before we bought it, I know they knew of the XXXX 's. I may have to eat this house, but when I read your article in a magazine, I felt that you could confront them and there less than fare Tiltle and Mortgage practices. The Realtor was XXXX XXXX XXXX of XXXX XXXX, Wa and the Title Company was First American in XXXX XXXX, WA They knew what they did was wrong, and they intimidated us to win.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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 to the Fair Credit Reporting Act, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For over XXXX years Ive tried with both ally XXXX XXXX XXXX and XXXX to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to Ally Financial has me as delinquent on XXXX Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXXXX also Ally Financial was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please 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 2015-09-21
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Municipal Collection Services XXXX Inc. ( MCIS ), has repeatedly called to collected on this item that the XXXX XXXX XXXX XXXX XXXX had received payment. The XXXX XXXX XXXX XXXX XXXX also informed me to pay them directly. This was communicated to MCIS in XX/XX/XXXX 2015. I communicated this again to MCIS on XXXX/XXXX/15. I have and is requesting that MCIS verify information and remove completely this negative information from my credit report immediately. Simply reporting information as paid is insufficient. I am requesting it be removed asap. Furthermore, MCIS provided me with no written documentation or communication about this action ( placing of negative information on my credit report ) in anyway. This information was place on my credit report with no documentation or communication to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i experience hardship due to the being in between jobs. I have had this card for a while always paying on time no problems until now, thankfully i started a new job but was late to make my payment. As a courtesy i asked if they could remove the late fee. they firmly said no without explanation or cosideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this 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 2017-03-17
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a money transfer ( # XXXX ) using WorldRemit service. Total amount u $ s XXXX. After that I never received any communication indicating there was a problem with the transfer. so I assumed everything was taking care. 
On XX/XX/XXXX I received an email from Worldremit stating that the above mentioned transaction was never completed and they were going to issue a refund. 
On XX/XX/XXXX, I requested information on the refund via online chat and I was given a Case Number to my claim ( XXXX ) to use for future reference. 
On XX/XX/XXXX I requested via online chat an email address to request information and I emailed a request on the refund status. 
On XX/XX/XXXX, I forwarded bank account information as a response to an email from WorldRemit in which they stated they were having " system restrictions '' and requesting Bank account information to proceed with the refund. 
On XX/XX/XXXX I emailed Worldremit requesting an update on the refund. On XX/XX/XXXX once more I contacted Worldremit via email to no avail, I also contacted Worldremit via online chat and provided once more my bank information to no avail. 
As of today I have yet to receive the refund from WorldRemit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Im disputing a hard inquire that was placed by Capital. I received a pre-approval/qualification to be denied that cause a negative impact on my credit score. I find the offer that was sent to me misleading and false. I would like the inquire removed from all 3 bureaus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
On XX/XX/2020, I reviewed my credit reports. I saw a negative reporting from FAIR COLLECTIONS AND OUT located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never received notification from this company pertaining to debt. I do not owe them any money nor have they validated this debt.

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 2017-02-13
Company: GVA Holdings, LLC
State: PA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I submitted a complaint against this lender. I am NOT in default of the loan. My due date is not until Friday XXXX. I am getting harassing emails stating that I am in default as my " last payment '' was not able to be processed. This is untrue. My last payment was XXXX and has cleared my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX charged me from {$30.00} to almost XXXX XXXX  monthly for 27 months beginning on XX/XX/XXXX and ending on XX/XX/XXXX. The issue has not been resolved despite contacting both XXXXXXXX XXXX XXXX  and capital one credit card company. Neither the XXXXXXXX XXXX XXXX  nor the capital one have offered a solution. The latest attempt to stop this unauthorized charge monthly by changing my capital one credit card account number resulted in the following written response : if you use your card to pay any recurring bills, your payments should continue to go through as scheduled and post to the new account number. To be safe we recommend monitoring your accounts to make sure your payments post as expected. Over the phone I was told that any variable charge that comes through will probably be honored despite the fact that I did not authorize this charge. Fraud, Unfair and probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.

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 2016-09-12
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XX/XX/XXXX thru XX/XX/2016, I because a victim of predatory lending practices by my home mortgage company : CitiMortgage Special Loans XXXX XXXX with a rate increase of 10.24 %

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
transunion is defaming my character. I am submitting this complaint on my own behalf

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 2020-10-05
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with New Rez ( loan number XXXX ). I got an offer to refinance my mortgage with New Rez. I closed on the refinanced mortgage on XX/XX/2020 XXXX new loan XXXX ). On XX/XX/2020, New Rez debited {$1700.00} from my account for the old mortgage, loan number XXXX. The old mortgage was closed, so there is no indication of the {$1700.00} or having a credit. It also doesn't show up on the new loan. In addition, the loan was showing as paid off based on the amount submitted in the closing. My {$1700.00} is showing up nowhere and I have not received any of that money back. Since XXXX, I have called repeatedly and emailed using their customer service email. I have had no success in getting this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation