BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: CURO Intermediate Holdings
State: TN
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:
Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, XXXX XXXX  XXXX  PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : 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 2022-08-29
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX : I paid XXXX @ XXXX via XXXX for a Tip for Balloon animals at XXXX XXXX. As soon as I was sent I tried to remove him as a contact, it was not clear immediately how to do this. I would try to do this later. ( See attachment XXXX ) XXXX : Went to pay my rent of XXXX to my XXXX XXXX. I accidently sent this to XXXX whose name was now in the same location as my landlords was. I did not realize until after I sent it. I immediately called XXXX, went to XXXX and let him know it was a mistake. I also followed up with a text. He has an iphone and my texts were blue. At this time the status of the Zelle transaction was delivered. 

I also called XXXX right after and the office was closed. 

XXXX : Called XXXX first thing was transfer to the claim department and filed a claim with Zelle to do a courtesy reversal. They said it could take up to 10-15 days. 
Claim # XXXX Called the XXXX XXXXy to attempt to reach XXXX. Spoke to the General Manager XXXX. He said he would reach out to XXXX for me. At this point my text were not green which would indicate he was either out of reach or blocked me. 
XXXX called back and XXXX stated he had not received the money yet and as soon as he did he would return it. Status still shows delivered. 

XXXX Zelle status shows completed. ( see attachment XXXX ) I called XXXX XXXX  again to attempt to reach XXXX, no luck. Left message for him to get back to me. 

XXXXWent to XXXX to Follow Up with Branch Manager to see what they could do on their end. I am getting no where with XXXX and Zelle. Of course was told it as an on-line transaction and they could not help me. 

XXXX Follow up with XXXX XXXX XXXX should get status of Claim by tomorrow. 

XXXX Follow-up with XXXX w/ XXXX and was told claim was denied. 

XX/XX/XXXX - Called XXXX XXXX spoke with XXXX to get XXXX last name which was XXXX. He has been avoiding my calls and this point I will take legal action. 

XX/XX/XXXX - I attempted to call Zelle first and was told that XXXX and his bank XXXX XXXXXXXX are member banks and they can not help with any unauthorized transactions and I have to go to XXXX to try to recover the funds and file a claim XX/XX/XXXX - Called XXXX Police to find out what I can do. They placed a call to XXXX who mysteriously called me back. He " called '' Zelle and he said that Zelle placed a flag on the fund and would release them back to me within 5-7 business days. 

XXXX I texted XXXX and he called me back ( ironically ) we did a 3-way call with Zelle and they told him the same thing they told me. XXXX told Zelle he never got the funds. Zelle said it is not their problem to call my bank XXXX. 

XXXX I tried calling XXXX again and tried to speak to a manager in Claims. They refuse to help me. They said as far as they are concerned the money left my account and it is not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan was sold to NewRez. I paid my XXXX payment on the XXXX of XXXX but sent it to the wrong servicer. NewRez has two companies that service the loans they buy. XXXX and Shellpoint. I sent the payment to Shellpoint but it should have gone to XXXX. Shellpoint did not forward the payment to XXXX and has not returned my {$1700.00}. 

Shellpoint has admitted they have my money after I sent them proof that they received the payment through XXXX XXXX  by check, they have not returned my {$1700.00}. 

Now some confusion comes in because there are 3 people on title. Although the statement only has room for 2, my name is not reflected on the statements. But I am the managing partner and I deal with all the payments. 

At this point in time, I am at a loss of what to do. Maybe if the CFPB gets involved, it will force them to return my money. 

Please advise, XXXX XXXX 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 2022-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: ONLINE Information Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX. Amount {$270.00}. Back in XXXX I was put into collections with XXXX XXXX XXXX for a bill that started out over {$300.00}. I don't remember what collections company I was paying back in XXXX but I made around 5 or 6 payments. When I went to make another they informed me my account showed XXXX owed. I wanted to make sure it was true. So I called XXXX they informed me on their end it showed it was payed off. It was NEVER showed on my credit. Since XXXX I've had a XXXX  bought a house and got XXXX. Now ALMOST 5 years later. I got a letter from a place in North Carolina. stating I owe money. I called XXXX and they said NOW it shows I owe {$270.00}. I stated to the lady it was PAID back in XXXX according to the collections company and YOU guys. Apparently they now have a new Collections company and it's showing I owe. This is ridiculous! This is nearly 5 years old and told by both them and the collections back in XXXX everything was good. And now it randomly says I still owe!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Financial Credit Service, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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 contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  and XXXX XXXX XXXX, by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. I asked acceptance now to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. Please validate as I requested prior XXXX XXXX and XXXX XXXX. These two accounts show charge offs but never late? This is inaccurate and I have a right for removal. 
Please also provide me with information on the bankruptcy also reported being I called the courts to obtain proof to have this removed and was told that they by law can not report this information to credit agencies. So if that is the case, this is against the law being the courts did not report it. I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXl XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. Some are repeats! Please remove being I never authorized.

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 2021-09-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: First Data Corporation
State: MD
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:
My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..

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 2015-09-11
Company: FACTUAL DATA CORP.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt and I keep receiving bills and phone calls. The account # XXXX has a credit balance that was to be applied to acct # XXXX. These are XXXX account numbers. The accounts were sent to Receivable Solutions, INC. and both agencies refuse to make the corrections. The name of the rep at RSI that I have spoken with that were rude and condescending. I will go into details once I speak with someone from your office. The reps are XXXX ( rude and condescending ) XXXX XXXX rude, XXXX and XXXX.I spoke with those representatives in XXXX, XXXX, and XXXX On XXXX spoke with XXXX a supervisor that saw the problem apologized and stated it would be corrected. On XXXX/XXXX/16 I spoke with the rudest of all supervisor named XXXX and he told me to send a letter to time relations and he was not going to research the issue and I can not speak to his manager or anyone higher than him. The phone # to RSI is XXXX XXXX XXXX. 
In XXXX I also contacted XXXX billing and spoke with XXXX and he refused to transfer me to a supervisor. He was threatening, rude, condescending. He consistently over talked me, and used abusive and profane language. He gave the phone to someone else that said his name was XXXX the traffic director and he would have XXXX XXXX call me. I have sent a letter with a copy of all documentation to XXXX XXXX the Director of Patient Accounts at XXXX her phone number is XXXX and the account still has not been corrected. I do not owe this bill the hospital owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Collection Bureau of America Ltd.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.

Company response to consumer: Closed with explanation