BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I signed my daughter up for a teen card through Current. It was set up to have funds debited from my checking account every 2 weeks. Once the card expired XX/XX/2021 we stopped using the card. We requested the account be closed and was advised that the request had to come from the email address we used to open the account. When we were unable to locate that information we were given other criteria so that they can locate the account. We provided that information and was advised that the account was closed and that any funds in the account would be sent back to the funding account within one of the three business days. We waited and the funds were never return also an additional transaction from my checking account was deposited to the current account I reached back out and they again said they would process the closure request the account still never closed they processed it again for a fourth time and came back and told me the account was closed. I again waited for the funds to be returned to my account which. Back out to current letting them know I never received my funds back and they told me there was no funds on the account. Sent them a screenshot of several transactions showing that funds from my checking account was deposited to the current checking account they are now telling me they are unable to locate any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NY
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 have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you 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 2022-05-25
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A few years ago, we were patients of XXXX XXXX XXXX. Our dental insurance paid for the services and we paid the remaining co-pay. The XXXX XXXX  completed was substandard and faulty, implants fells off, etc. Several of his patients filed complaints against him to the dental board. Last year, in retaliation, he sent fraudulent bills for services never rendered, and attempted to collect on his fraudulent bills through ULG collection agency and attorney XXXX XXXX. 

We have been receiving repeat calls and letters from ULG Collection Agency XXXX XXXX XXXX XXXX, XXXX. We have told them over the phone and in writing that the collection attempt is fraudulent and the services were not rendered. We have disputed the debt in its entirety. Please see details in the attached letters.

For over one year, we continue to receive phone calls by ULG collection agency and letters by Attorney XXXX XXXX XXXX, despite asking them to stop contacting us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 

15 USC 1681 Section 602 A, 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 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 2016-12-06
Company: Bull City Financial Solutions, Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amsher Collection Servic at XXXX XXXX XXXX XXXX, XXXX AL XXXX has been sending me collection notices in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Maury Cobb, Attorney at Law, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 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 explanation
Consumer complaint received 2016-06-10
Company: URS Holding, LLC
State: ID
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 letter from United Recovery and responded immediately requesting verification including original signed contract because this is not my debt. I received a stack of papers but nothing with an original signature or any other information on United Recovery proof that this debt is going to the correct person. I sent another request with a very clear description of validation requests and Method of Verification and received the exact same information ... .they did not even change the date on the letter that said " in response to your inquiry here is the information you requested '' ... then just a stack of papers ... some blank! There was no investigation and they have no original contract. I want my information deleted I do n't know who they need to be in contact and it seems they do n't either.

Company response to consumer: Closed
Consumer complaint received 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.

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 2022-05-25
Company: I.C. System, Inc.
State: TN
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:
XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding your account # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and XXXXVALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including threatening calls must cease, moreover credit report deletion. Sincerely, 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 2022-05-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates XXXX XXXX XXXX XXXX, TN XXXX I received a debt collection letter from the above company on XX/XX/2022 about a medical debt my insurance company had already paid. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022. 

On XX/XX/2022 I received another debt collection letter from the above company that referenced a different named creditor but had the exact same amounts of debt and account numbers. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
On XX/XX/XXXX a charge was put on my Bank of America AAA Visa credit card in the amount of {$7000.00}. as a cash transfer to a bank, XXXX XXXX. I reported it immediately when i saw this transaction and they issued me a new credit card. It was posted on my card on the same day I made a purchase thru XXXX using the same card. On XX/XX/XXXX, I received a letter from Bank of America saying my claim # XXXX was denied as it was a balance transfer that went directly into an account in my name and that charge of {$7000.00}. was put back now on my new card. I looked XXXX XXXX  up on the internet and called them to see if I could find out whose account this transfer went into. They said they could only help Bank of America so I filed another fraud complaint with BOA on XX/XX/2022. When on the line with XXXX XXXX  they verified that I have never had an account with that Bank. I need help with getting this charge off my credit card as it was not made by me and so far no help getting this resolved from Bank of America. This put me way over my credit limit and they have shut down my ability to use this credit card which I use for my daily living expenses. I am an XXXX yr old XXXX  and need help asap.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is a complaint for XXXX, XXXX AND TRANSUNION since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. 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