BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-04
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to contact Pro Collect ( the collection agency XXXX multiple times trying to dispute the charges and every time I get shut down and/or hung up on. The most recent point of contact with them was yesterday around XXXX EST. I have also submitted two separate XXXX  dispute forms on their website trying to dispute the charges that are trying to be collected. I used to live at an apartment complex called XXXX XXXX  XXXX  in XXXX Florida back in XXXX- the summer of 2019. I was being threatened with my life by the residents that lived underneath me because I witnessed the boyfriend XXXX his girlfriend and called the cops on him. Him and his buddy left a bullet at my doorstep facing upward and I got the cops involved and ( stupidly ) gave the bullet to XXXX the manager at XXXX XXXX. I also found mold up in the ceiling vent of the bathroom and all they did to fix it was ( without my permission ) had a XXXX XXXX with track marks come into my apartment without me being there and he put some duck tape over it. it ended up falling out of the ceiling when I went to go get in the shower one day. I went to the manager at the time named XXXX and she advised me explicitly that my lease would be terminated immediately and I wouldnt owe any additional charges past the rent that I had already paid for that month. Unfortunately I should have gotten that in writing as I have lost the email sent back and forth between us over 2 years ago. Then about 7 months later after Im already living in another apartment complex I get a call from a random collection agency called " Pro Collect '' stating that I owe them just shy of {$700.00}. I was charged for a full months rent due to the fact that I terminating my lease early even though I was explicitly told by the property manager at the leasing office that that wasnt going to happen. I contacted shore house apartments multiple times and was told " XXXX is out unfortunately you'll have to call back tomorrow '' and then eventually they just started telling me " XXXX is on XXXX leave for the rest of the year. '' Then I waited for about 5-6 months and tried contacting them Again and was told " We will have someone from our finance department reach out to you ''. That never happened. I really don't know what else to do and I really need to get this off of my credit report please help me it's been years since it has hit my 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 2020-07-07
Company: Automated Accounts Management Services
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was opened fraudulently on XXXX/XXXX/2015 and has left the balance of {$130.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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:
When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 reviewed my Chex Systems Consumer Report # XXXX and theres fraudulent and unauthorized credit inquiries listed on my consumer report. The following inquiries viewed by others are fraudulent and unauthorized : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX account that was closed on XX/XX/XXXX and charged off for {$5200.00} is not my account and its a fraudulent account. I never had a checking account closed with no bank, so I should not have a DDA Closure Payment History on my Chex Systems Consumer Report. I am a victim of identity theft and has a current police report on file with Chex Systems. I been a victim of identity theft for over 25 years. All the credit inquiries and bank account listed is fraudulent and is the result of identity theft.

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 2019-08-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls began today XX/XX/2019 they've called my work place three times this morning, and XXXX of my daughters. I asked to stop calling but they continue. One of the agents called me an XXXX and threatened to come to my work place in person

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 2021-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
COINBASE transfer to a FRAUD SCAM Brokers : XXXX XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX USD! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 

I feel like at the end of the road there is no future for me, all my money was depleted. I am in embarrassment to my family. I was planning on living off my life savings all of which have been stolen, depleted all due to COINBASEs criminal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an email from a collection agency, TrueAccord stating they were retained by LVNV, who they say bought the account from XXXX XXXX. I sent LVNV a debt " validation '' letter to assure that LVNV had the authority to collect the debt. I did not receive a response to my letter. 
They may have sent a " verification '' of the debt which does not validate they can collect the debt. They then retained XXXX XXXX XXXX to collect the debt. I received a letter from them in XX/XX/2021. I sent XXXX XXXX  XXXX a cease and desist letter. They in turn sent an inappropriate response of a debt verification they say I requested. They are in violation of the Fair Debt Collection Act, as they did not advise in their one letter they are allowed to send me 1 ) they were terminating collections, 2 ) they could invoke certain remedies 3 ) that they were invoking certain remedies. XXXX XXXX XXXX filed a debt claim against me on XX/XX/2021 which I received notice XX/XX/2021. I am considering filing a counter claim against them since they are in violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Arbor Professional Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I proceeded to call this company to see if they had gotten my police report the lady that answered was very sweet how the guy supervisor who ever he was so disrespectful when I asked to get a letter of them canceling this account as he told me they were he In turn told me I would get nothing saying anything because I filed a complaint with the CFPB so rude and began being very nasty after us where I hung up the phone I was the victim of this fraud account. He made me feel like I was the perpetrator this company should be out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Secure One Capital Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we closed escrow for FHA loan. During the loan application process I informed the loan officer of a dismissed Chapter XXXX in XX/XX/XXXX. Kindly enlighten me if I should have been given conventional loan instead. I am unclear of waiting period for a dismissed Chapter XXXX. I have the entire loan package signed on XX/XX/XXXX for your review for any fraudulent activity. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Asset Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received a call at my place of employment, the collector that called never once said the call was being recorded or monitored but left a message with one of my employees for me to call back XXXX ext XXXX and to ask for XXXX XXXX. 

I called back the number left, XXXX XXXX XXXX wasn't available. I advised the woman that I spoke to that they are not allowed to make any contact by phone, and that I only wanted correspondence through the mail. The rep told me the only way I could make payment would be by phone. I told the rep I was sure I could go online and pay or send something through the mail. The rep told me at that point she will put my number on hold. Rep advised me they had the wrong address so I was never made aware that they had my account. The rep also stated that they received the account XX/XX/XXXX and asked for payment. If they received the account on the XX/XX/XXXXand knew that I had never received a letter from them because they had a wrong address then that was over shadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A written request to validate debt in the amount of {$4000.00} was mailed and/or faxed to Medicredit on behalf of the original creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX. Medicredit was unresponsive to the request and no documentation in its original form has been provided to validate debt owed. 

This debt was last reported to XXXX XX/XX/XXXX. A follow-up request to validate debt in effort to remove from credit report was mailed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company remains unresponsive.

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 2020-07-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i checked my credit report and ARS account resolution was listed on my report and i reached out to this company to provide me details on this account and they were unable to verify my information and i never received any notice from this company. 

I have the same exact name as my father and son and they were unable to verify my information correctly and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information on a consumers report and they didn't even send out any notices pertaining to this account. 
Unfair!

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 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX XXXX partial account number XXXX ; XXXX   and XXXX should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX XXXX partial account number XXXX ; XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-04-03
Company: Experian Information Solutions Inc.
State: WA
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 credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over XXXX points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

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 2019-10-30
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a loan with Toledo Finance. My payment of {$140.00} is due on the XXXX of the month. I am currently 15 days past due. They called me at the following times. 

XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my references if I did not call her back. 
XX/XX/19 Someone called my husband asking for me to call them. 
XX/XX/19 XXXX XXXX XXXX left a voicemail reminding me of my promise to pay and telling me I will get a late charge if I did not pay today. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my husband because I did not pay on the XXXX as I said I would. 
XX/XX/19 XXXX XXXX XXXX left a voicemail saying she needed a returned call and she was calling my husband and I better call her back if I did not want her to call him. 
XX/XX/19 Someone called my dad asking for me to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The third round of stimulus checks was sent to me on a Money Network credit card. The amount that I received was {$7000.00}. I was limited to transferring {$6000.00} to my checking account because that was apparently the daily maximum. I have now waited two days and when I tried to transfer the final {$1000.00}, I'm told that I have reached the monthly maximum. It is now XX/XX/XXXX, so that means I have to wait until XX/XX/XXXX to get the rest of my stimulus money. I don't think that that was the intent of congress and I suspect that Money Network is pocketing a good chunk of interest on money that is due to citizens. I would hope that my final {$1000.00} comes with interest when I finally receive 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 explanation
Consumer complaint received 2020-10-20
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Waypoint Resource Group is falsely reporting a balance of {$190.00}  from XXXX that I do not owe. I asked the representative with Waypoint Resource group if they owned they debt and she said that  they do not. I have a {$0.00} balance with XXXX XXXX, therefore, Waypoint Resource Group should not be reporting 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX  XXXX   partial account number XXXX ; XXXX   and Transunion should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX  XXXX  partial account number XXXX ; Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-04-06
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim Identity Theft .This account was unauthorized. 
XXXX XXXX # XXXX XX/XX/2017 {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2021 my phone was either lost or stolen I'm not sure which one. On Saturday evening I had all kinds of unauthorized activities happening with my bank account and I bank with BOA. My other checkings account was hacked the previous month and I had to get another account. I had a charge through my business XXXX that was refunded. I had a {$400.00} XXXX payment that was unauthorized for a dog from some strange and unusual name. I have 3 dogs and my husband won't even let me look at another one. I also had a charge on there from Florida and I live in South Carolina. I tried to call the police and they stated I could not do a report because I was not for certain if the phone was actually stolen and it was a possibility that the phone could be retrieved later on if it was lost or misplaced. I have been doing a lot of reading about XXXX and fraudulent transactions and how there is no protection for consumers.

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