BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: First Associates Loan Servicing LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made numerous extra payments to Ocwen Loan servicing for my mortage. According to the online payment information, Ocwen holds payments in suspense and credits whatever amount it chooses to principal, but each month send me a letter that I am past due. They should be put out of business, but I would settle for my account being corrected. They do not return emails and if they call they do not speak English..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AmeriCash Holding LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have fallen behind in my payments to XXXX, and they keep calling my work. I have called and demanded they stop calling my work as it has caused me great embarrassment with my staff as the fact that I have a loan has been disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: LEXISNEXIS
State: NC
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:
My XXXX XXXX XXXX was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. XXXX did not so I disputed with XXXX on XXXX. XXXX reported that they verified the information as correct with a third party, LexisNexis. I contacted LexisNexis on XX/XX/XXXX and LexisNexis stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my XXXX credit report, I disputed again with XXXX. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again XXXX claimed they contacted LexisNexis to verify the data and that the information was being reported correctly. I contacted LexisNexis again on XX/XX/XXXX and again they stated that they show the discharge. LexisNexis stated to call XXXX again. 

This is unacceptable. I provided information to XXXX twice showing the discharge and the third party verifies the discharge in their records. XXXX is not meeting their requirements under the FCRA to report a consumer 's information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is supposed to be some sort of a collection agency or whatnot that asked for money from me however, I've spoken with counsel and asked for them to verify the debt as per the new Credit Laws based on Comprehensive Credit Act of 2020. None of the steps were validated and confirmed and I do not believe that the debt belongs to me. Every time I reach out and ask for assistance, that's when they never provide me what the law states. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. 

Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. 

Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Southwest Credit to pay a debt I did not owe from XXXX. I contacted XXXX and they refused to remove the information from the report. I contacted the debt collector Southwest Credit as well, and they said " my account was locked '' and were unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the 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 2020-03-03
Company: Westlake Services, LLC
State: GA
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:
I just turn XXXX years old last year and finally got a chance to try and go to a local bank in my city to start credit but couldn't because I found out that I had a loan with a bank name Westlake financial that I never knew about. I couldnt even purchased a vehicle at the time they report that it was open. I wasn't even old enough to even purchase a vehicle or even sign paperwork in which I dont know nothing about. I have reported this twice and spoke with someone there and they still want remove this off my credit report. I think this should be remove right away please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While the XXXXXXXX XXXX XXXX  XXXX issued Guidelines regarding non impact of XXXX Score due loan restructuring in the event of Global Pandemic, My XXXX Score has impacted due to appearance of loan restructuring in the XXXX Report. When, contacted TransUnion Customer care, a request number has been generated regarding the issue and was said to resolve the same in 30 days. 45 days passed since the complaint raised. No reply nothing from TransUnion. Also, when tried to contact their Same old Customer Care Number it is saying invalid.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices SOC SEC ADMIN OFFICE O Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Failure to perform an investigation XXXX XXXX XXXX XXXX  Account Number : 51 Delete this account immediately as you failed to perform an investigation

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 2018-01-17
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I came to CFBP regarding this very matter in XXXX. Now CFPB has initiated this ... 

" CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} Million and Stop Suing for Invalid or Unverified Debts XX/XX/XXXX '' I understand that the CFBP could not assist at the time for whatever reason in XXXX referencing case number : # XXXX. When I came to CFPB asking for the assistance. After I did my research I found that I never even knew XXXX XXXX XXXX XXXX XXXX. and that I had never had any dealing with them at all. I am requesting that CFBP add XXXX XXXX XXXX to the above referenced publication on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: MI
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:
I hold 2 credit cards with JPMCB, yet 3 cards consistently appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at JPMCB explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that JPMCB would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a credit card with Comneity Bank called XXXX Credit Card. There website has been down at least 6 weeks. You have no idea when a payment is due on the account. I called in this past month and they took the payment over the phone, a day after the due date. 

I just called in and asked that they verify that my bills are digital because I am in the process of moving. I was told that I have to go online and make the request. Keep in mind that their website is down. What do I do as a consumer with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ANFI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had previously submitted a complaint XXXX XXXX XXXX, but did not respond. I thought our new loan servicer ( Shellpoint ) was moving forward with our loan. They are not. I have called almost XXXX dozen times and have only received calls back in which they hang up on me when I answer. I have done EVERYTHING required to modify my home loan, repeatedly. Nothing ever comes of it. I have been stuck in limbo for years now. And because nothing is ever reported positively to the credit agencies, my credit is always ruined so that I never have any other recourse. I need help. These loan servicers are just kicking the can until homeowners give up. I will not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Accelerated Servicing Group LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller from ( XXXX ) XXXX claiming to represent skip trace service for their ASG, looking for unnamed person. I believe this is related to search for XXXX XXXX / XXXX XXXX / XXXX XXXX, claim lead by ASG

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a longtime customer of SunTrust and since this merger. I have not been able to access my accounts, when I go online it is showing that I don't have any accounts with them. I actually have 2! If I try to login using desktop, the system will immediately log me out. I call customer service and they had me in hold for 1 1/2, then hang up.

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 2021-04-22
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 at XXXX XXXX, I received an email from PayPal informing that a unrecognizable device logged into my business account, I immediately changes password as well as attempted to contact PayPal. IN response to what have been ongoing unauthorized activity in addition to unauthorized access into my paypal I was informed of the immediate cancelation of my account and that the balance that I have accrued will be held for 180 days before I am given instructions which further complicated the recouping of my funds. In addition there are monies owed to me from customers who will only be able to pay the debt via PayPal due to the service PayPal advertised as a sure way to receive payment. This is unethical business practice in relation to activity caused by fraudulent activity in which Pay pal was previously notified and provided the necessary reports provided to me by the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had funds in my account on XX/XX/22 and sent my sister 11 through XXXX and when I sent it nothing was pending or processing on my account at the time I then get a email saying that it was overdrawn and a fee was posted to the account and again on XX/XX/22 I called the bank and got the run around and if I didn't have my XXXX funds coming on the XXXX of XXXX I would have closed the account but I really don't want to go through finding another bank and setting everything up with another bank and all the accounts I have to pay I been with the bank for 17 years and this is the first time this has happened and I got no help from them they don't care about their customers and I just hate to close my account for something like this please help me with this company asap I just want the two fees waived and that's it

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 2020-03-03
Company: Premier Auto Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account is closed but it has not been removed from my credit report. Also, a date on another dispute is incorrect and after investigating they said it was correct when it is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Meridian Buyer’s Group
State: TN
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 had bought a XXXX XXXX XXXX and it had an extended warranty and within day three the check engine light came on the warranty never was picked up I Kept calling the warranty people and they never helped the alternator went out so I took it to XXXX And we needed a new alternator and they wouldnt pay for it but that wasnt the only time it broke down

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