BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Cohen & Associates
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
A lady named XXXX XXXX is calling my entire family about a pay day loan from over 10 years ago that was paid off. She is threatening me saying I have a federal case against me and will take action. She has scared my sick mother and will not stop threatening us.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint against Ocwen Loan Servicing XXXX for Improper Record Keeping : Failure to post payments to account in a timely manner and Overcharging {$290.00} : Charging for Property inspection Fee {$12.00} and Valuation Fee {$280.00} claiming account was delinquent because of their Improper Record Keeping. 
This is a list of my payments1. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXXPayments for XXXX & XXXX were sent to XXXX because I accidently put the wrong account # XXXX ( Account was paid in full ). It took Ocwen 3 months to get it applied back these funds {$2300.00} ( XXXX payments of {$1100.00} each ) to my account. Ocwen reps were nasty and rude each time I called. XXXX sent the money back on XX/XX/XXXX. After several calls, Ocwen posted the money to suspense account instead of payment account on XXXX/XXXX/XXXX. XX/XX/XXXX {$1100.00}. XX/XX/XXXX {$770.00} Told to pay by Ocwen CSR since the principal was deferred and the payment decrease {$10000.00} ( credited to suspense account ) not to payment account Ref # XXXX. XX/XX/XXXX {$1100.00} thru XXXX Reference # XXXX was returned by Ocwen claiming my account was overdue because Ocwen refuse to post the payment from XXXX. Note this payment was replaced on XX/XX/XXXX with Ocwen Rep on the phoneXXXX. XX/XX/XXXX {$1000.00} thru XXXX Reference # XXXX ( NOT POSTED TO ACCOUNT ). The voice record says my account is behind. My account should be current if Ocwen post all payments to my account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. 
It has been well over 30 days and i still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both XXXX and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally. 
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX I refinanced my home with a XXXX XXXX XXXX. The mortgage crisis hit in XXXX and I had to file bankruptcy. The neg am loan kept adding to the original balance and ballooned to over XXXX. After I got back on my feet around XXXX the bank agreed to a modification that would " set aside '' XXXX of my balance while I paid {$2200.00} per month at a fixed rate of 5 % for 30 years. However very little if anything was going toward principle. I paid on this loan for 8-9 years until Covid hit in XXXX and I was sent a letter stating I was approved for a new modification ( that did not ask for ) where I would continue to pay roughly {$2200.00} per month. However I would owe a balloon of {$170000.00} additional dollars after the 30 years! I had been working on getting all this time on getting some type of relief but was getting nowhere. My servicing Company Select Portfolio Servicing would not even tell me who held the note. I finally found out the note holder is XXXX XXXX. I hired an attorney to look into my documents because I was always told when I shared my story that it did not make sense. I finally received copies of my modification and the chain of title regarding my loan. The attorney I hired stated that the chain of title did not look correct. However, since he did not practice law in CA he could not pursue anything.I have paid close to XXXX in the last 8-9 years and still in worse shape than I was in XXXX with this bank not willing to work with modifying this loan. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding medical bill to XXXX ( XXXX ) which I paid. I am continuously receiving harassing phone calls during work hours and after work hours from TransWorld Systems ( XXXX ) a debt collection agency hired by XXXX. Transworld is also constantly sending me mail as well and now they are adding on interest fees. I have explained to TransWorld on several occasions that this has been paid and have given them the date it was paid. I also told them it was paid through the XXXX website as well and that I had a confirmation number for the payment. They continue to contact me. Today I called XXXX, I first spoke with XXXX who told me that there was no balance on my account, this I know, so I explained to her what has been happening and she said I needed to speak with XXXX and transferred me to her. I explained to XXXX what has been going on and that I have told TransWorld several times that this bill has been paid in full yet they continue to harass me. XXXX hung up on me, apparently this was her professional solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: MARINER FINANCE, LLC
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian lowered my credit score in XX/XX/2021 by XXXX points from XXXX to XXXX. I understand minor 1 point fluctuations up and down over time. 
XXXX  currently has my score at XXXX as of XX/XX/2021. 
Contacting customer support at Experian resulting in the customer service agent saying " they don't calculate the score '' " we use different metric than everyone else '' " you have $ XXXX plus on credit cards right now, that could lower it '' Facts. 
XXXX has {$1100.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card {$10000.00} XXXX has {$1600.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card is {$19000.00} XXXX XXXX XXXX XXXX - 73 % complete, {$29000.00} left on a {$100000.00} loan, payment history rated by Experian as " exceptional '' No other debt. 

Yet Experian can not explain a XXXX point drop out of the blue. Their customer service via online chat and over the phone can not answer a simple question or tell me how to resolve it. " why did it drop XXXX points '' Experian 's answer? " We don't know, it just did. ''

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 2021-07-07
Company: ACIMA CREDIT, LLC
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: MD
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 've had several inquiries that I did not do! I 've had my financing thru my credit union prior to me shopping.     I 've disputed several times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I 'm the co-signer on my son 's student loan. He took it our while he was attending XXXX XXXX in 2008. Apparently, the holder sold the loan to another collection agency that is repeatedly attempting to contact me by phone. ( I told the previous holder to only contact me my mail, NOT by phone. ) More importantly, my son got a forbearance on this loan because he became a XXXX student. ( At XXXX XXXX XXXX College in XXXX, VA. This group continued to pursue despite this and also told me that my information was " wrong '' and that my son " must have taken out more than XXXX loan ''. This is false. They 're using lies and intimidation. I told them not to call me again ( especially on my business line ) and that I will report them to CFPB. I do n't think that they are legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.

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 2015-07-14
Company: Weinstein & Riley, P.S.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Original credit card account was opened in XX/XX/XXXX. Last payment on the credit card was made in XX/XX/XXXX. In XX/XX/XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XX/XX/XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XX/XX/XXXX. They explained that they tried contacting us in XX/XX/XXXX to an address that we had n't lived at for 2-3 years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo supplied me with numerous different statements starting in XXXXAttached are those statements, with varying amount requests to bring account to current. 

Not once out of any of my complaints did XXXX, an Executive Resolution Specialist for Wells Fargo Auto verify payment or debt. Was the amount every other week {$2900.00} and {$1700.00} at 13.14 % = {$10.00}, XXXX + {$9.00} daily interest = {$45.00}, XXXX or pay {$28.00}, XXXX. So my payments were not ever going to principal, and I was charged a daily and varying interest on top of a {$13.00}. 

I was told someone would get back to me in late XXXX to verify what amount to pay Attached is Mr. XXXX response from XX/XX/2021, who said he would need more time researching, would follow-up with a reply XX/XX/XXXX, XXXX received a response that I was 120 days late after no follow-up, verification how much to pay, or get my account back on track. 

. 

Zero Wells Fargo Auto representatives verified how much to pay or followed up. 

Only aggressive scare tactics, misleading statements, calls, emails, correspondences trying to force me to pay $ XXXX up until XXXX, calls stopped mid-way through.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner 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 explanation