BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I contacted XXXX XXXX XXXX regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: The Receivable Management Services LLC
State: TX
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:
Dear CFPB, I am writing this letter to you to file a formal complaint against an entities named ( The Receivable Management Service Corporation ). Sometime in XX/XX/XXXX, I purchased a nonowner liability insurance from XXXX XXXX XXXX company. During my initial first six month contract it was {$580.00} total premium. I did this because I do n't have an automobile, but often rent a car ; the reason was to avoid those rented car exorbitant insurance rate. I also renewed my policy several times until XX/XX/XXXX; I decided to abruptly end it when they continue to hike the price without any reason. I have never filed any claim against my policy. I still remembered when I had a flat tire and called XXXX, but no one ever shows up. Also in XX/XX/XXXX, someone hit my rented car while was parked at XXXX parking lot. I called XXXX, but nothing was done. So I have to do the repair myself, and there was no reimbursement at all. I have three months left on my current policy at the time. A renewal notice was sent to me with an increase in premium. It was then I was upset, and without warning, I instructed my bank to decline any further ETF from XXXX which they did. I have not rented any car under which XXXX policy was used. Unfortunately, I received several notices from XXXX that I owe {$230.00}. I have called them several times to stop calling me. Even after I warned them, they have sent my name to a collection agency. I have numerous occasion told them that I do n't owe them any money, but they insist that I owe them. Please help me here ; My insurance policy was a promise against a nonowner, not against real vehicle. That promise ended whenever I decided not to drive anymore or rented a car. I used XXXX and public transportation, so there is no need for such policy. Now my name have been forward to The Receivable Management Service Corporation a collection agency. Please assist me in this matter. Look forward to hearing from you. Thanks

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 2021-12-02
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Multiple attempts in contacting PNC to close a fraudulent Credit Card account. 

Four calls, four extended holds, a large loss of time for a commission sales person only to have yet received anything in writing confirming my report per guideline of FCRC605B and the FCRA, no confirmation number, no complaint number, only the name of a case manager who isn't in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am writing this complaint on my own behalf, and there is no third party involved. I have never contracted with " Bridgecrest Credit Company '', whom is claiming that I owe an alleged debt. I do not consent to or agree with these claims. This company, whom I do not recognize and have no idea how they even have my personal information, is now reporting on my personal credit reports and causing harm to my personal reputation. I have never done business with this company and never authorized them to access any of my private personal information, nor make any of the fraudulent claims that they're making. This is Identity Theft and Fraud, and is in direct violation of a number of my rights as a Federally Protected Consumer, under 15 USC Chapter 41!

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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filed a complaint - XXXX with CFPB The complaint was closed and I commented on it. 

However! Since that time I received an incorrect package on my HAF application from XXXX XXXX XXXX. 

I spoke to them as the financial calculations were incorrect. They told me not to sign it and they would re-do it. That was on XX/XX/XXXX. 

I began this entire process in XX/XX/2022. 

To date I have received no re-working of the HAF funds. Approximately {$35000.00} will bbe given to Chase when this is said and done. However! according to XXXX  XXXX Chase needs to provide info to them. According to Chase, they acknowledge that they are " working on it ''. 

When I ask where the glitch is right now, they can not tell me. XXXX mentioned that they have to ask FHA to accept the new terms- this is the first I've heard that Chase has to " accept '' anything - it is money coming to them by their agreement to participate in the HAF program. 

In the meantime my interest rate at the start of this had been recalculated to 2.2 %- it is now I'm sure well over 5 % - this is not right - this is not my fault. 

I have been with Chase for many years. I've owned my home for over 34 years. I am XXXX XXXX XXXX. 

I deal with a XXXX XXXX at Chase Executive offices. Her phone number is : XXXX. 

The info at XXXX  XXXX is XXXX - I have no name there. 

I desperately need your help. This is just not right that this is happening. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: SC
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:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over 12,000.00. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Maury Cobb, Attorney at Law, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, i cancelled my account due to moving back to XXXX XXXX for 6 months. 
So i made sure i do not owe them anything before i close my account. I called them to make sure to close my account when i left. 

In XXXX, i found out that they charged me till XXXX which i cancelled already. So i contacted XXXX but my account was closed. I was not able to login since it was closed so i sent them an email stop charging me the service that i do not use and the account that they already closed. 

And today, i got a call from debt collector that i owe them XXXX dollars which does not make sense. 

So i contacted XXXX and they knew it was their mistake but they already sold this case to a debt collector so they cant do anything. 

I never used any service between XX/XX/XXXX- XX/XX/XXXX and i was not even in a country. I called several times to make sure my account is closed and they closed it since i was not able to login to my account at all. 

I would like to make sure this debt that i do not owe affect my credit and i will not pay a dime for service that i did not used and caused because of company 's fault. 
Please help me out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Gitsit Solutions, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX auctioned my property off on XX/XX/2021 when I was current and had no issues with my mortgage and payments. They never warned me or notified of any pending sales. 
XXXX refused to admit they made serious mistakes in their accounting and probably dismissed all documents I sent them without taking a look. 
On XX/XX/XXXX The Superior Court of New Jersey, XXXX County ordered them void the sale and return all property documents to my name. They still have not complied with the court order. 
Now, Kondaur Capital, LLC, Is now threatening to foreclosure on the house even though XXXX have not complied with the Court Order and may have no standing to foreclose on the property. Kondaur is the second mortgage company/servicer to contact me. The first company was XXXX. 
I need help with dealing with these myriads of financial and mortgage company who are playing with people 's lives and destroying families. 
I did what I was supposed to do. 
Thank you XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2022-04-28
Company: EQUIFAX, INC.
State: CA
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:
FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

1. XXXX  XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXXXXXX Account Number XXXX 3. DEPT OF ED/XXXX  Account number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX  Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Revco Management, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
REVCO solutions has shown on my credit score though I have had no business dealings with them or XXXX XXXX XXXX. I contacted them and by phone initially when I got a letter in 2021 they could not explain what debt is for and amount. I was injured at work by another employee which ran over my foot with a forklift and was taken to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Indiana. Workers compensation cover all my medical costs which have all been payed for. This debt is my employers. I had REVCOS letter sent to my workers comp through my employer HR and submitted this collection from XXXX XXXX XXXX to workers comp # XXXX Negative action was took and damaged my credit. Disputed debt with REVCO today they stated they will delete damage from my credit history. 

I want this off my credit report ASAP as they could not tell me what day when it will be deleted from my credit history. I am requesting the help of the Consumer Financial Protection Bureau for a correction to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MI
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 have been sending written letters to Equifax about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Equifax and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the XXXX which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} 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 Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: McCarthy, Burgess & Wolff, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX collection agencies, a XXXX XXXX XXXX, XXXX, as well as a McCarthy, Burgess & Wolff. 

This McCarthy, Burgess & Wolff is claiming that they are collecting a debt for this XXXX XXXX XXXX, XXXX, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company XXXX XXXX XXXX XXXX XXXX, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX  XXXX XXXX. 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point.

I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX  XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before XXXX XXXX XXXX XXXX passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in 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 2018-04-05
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.

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