BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I waas first contacted by FirstPoint Resources via phone in XX/XX/XXXX. They told me it was an attempt to collect a debt for XXXX XXXX. I asked what it was in reference to and they said a ( XXXX  XXXX ). I have never had a XXXX done so i asked they provide supporting documentation of what they were referring to. 
On XXXX - they sent me a secure message with a ledger from XXXX XXXX showing my name as the patient for a XXXX   XXXX XXXX on XX/XX/XXXX. 
Again, I have never had a XXXX  XXXX  so I contacted XXXX XXXX and they stated that they did generate the ledge but would not know any more and I would need to contact the hospital who would be responsible for any billing. I have no idea who to contact or how my name is listed as Patient. My main concern is having any damage to my credit, but also that this agency is trying to collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX reports I owe them {$2900.00}. XXXX send me a letter that says I owe {$1400.00}. How do I go from owing {$1400.00} to {$2900.00}. XXXX is repsorting inaccurrate information. All equipment was returned to XXXX  so there is no way I owe either of those amounts

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 2018-02-01
Company: Experian Information Solutions 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:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

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 non-monetary relief
Consumer complaint received 2019-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. 

They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. 

They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. 

I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time

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 2019-01-30
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started a mortgage with XXXX XXXX XXXX on XXXX. 

XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The servicer at the time was XXXX. XXXX signs assignment on XXXX. 

So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX? 
I believe we have fraud and disgorgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Credit Card with Citibank and every time I try to use it at a new gas station the card is declined and frozen with a fraud alert. Then five minutes  later i get a call to verify the transaction. This does not help when I am at the pump trying to get gas. I have called citi several times and no one I speak with understands or cares about the issue. Most recently it happened at XXXX XXXX  on XX/XX/XXXX and numerous calls to customer service did not resolve the issue.

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 2019-01-30
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. 

I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract

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 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX/XX/XX/XXXX capital one sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/XXXX. And now capital one just sold the debt to XXXX XXXX   again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please see attached dispute letter.

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 2019-01-30
Company: Security National Automotive Acceptance
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX  account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company CREDIT COLLECTION SERV which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: FL
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:
Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent XXXX XXXX XXXX account. XXXX is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.

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 2020-10-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified XX/XX/XXXX that Wayfair was closing my account with no reason attached. I sent a message to ask why it was being closed. It was opened in XX/XX/2020. All payments made on time and in full. They said that they were no longer doing business with Comenity Bank, the account would be closed XX/XX/2020 and the balance needed to be paid in full. There were secure messages sent back and forth about this. 

I called Wayfair, they said I had to contact Comenity Bank. I called Comenity bank and was told they were no longer doing business with Wayfair and my account was being closed and needed to be paid in full. 

I recently made some purchases that were on a promotional - No interest for 6 month. They said it needed to be paid in full by XX/XX/2020 or I will be paying the interest on those purchases. 

On XXXX XXXX they closed the account which dropped my credit score because of the percentage of available credit, and I still do not know why it was closed. I asked if mine was the only card being closed. No response. I have secure messages with me asking why and they only response is that Comenity bank is no longer doing business with Wayfair. But Wayfair is still issuing credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 at XXXX XXXX, I received an email from Citibank confirming upcoming travel ( attached ). At about XXXX XXXX, I notified the fraud line that I was NOT traveling and had not reported that I was traveling. The specialist then told me that someone had charged {$2500.00} at XXXX in XXXX, MD using a card with a number that I had not activated. Citi then closed the account ( see attached ). 

Five minutes later, another Citi Fraud Specialist called on my landline ( in XXXX ) asking whether I had just complained about Citi 's refusal to allow a {$5000.00} Home Depot charge. I told him that I had not called him and was delighted to be able to quash the charge. 

The thief had been able to call Citi using my cell phone number because they had my SIM card installed in their phone in a XXXX, MD XXXX store at XXXX XXXX. A XXXX Fraud Rep identified the person who did it as " XXXX '' ( see attached ). This enable them to answer the account verification calls I would otherwise have received and elude detection. During this time, I had no cell service. 

I thereafter contacted the XXXX County Sheriff 's Office reporting XXXX as a possible suspect and tried to report the crime to the XXXX Fraud Department and my local precinct, which refused to take the report without a " Letter of Affidavit '' from Citi. However, Citi 's Security Department said that such a letter could not be issued because the XXXX charges were in dispute and the police would have to contact Citibank 's Law Enforcement Department at XXXX. I sent this information to the law enforcement officers with whom I had spoken. 

Last week, I received a bill showing {$2500.00} in charges at XXXX and {$5000.00} in charges at Home Depot, despite closing the account, rejecting the pending charge and being told that it was stopped. 

By letter dated XX/XX/XXXX, Citibank has deemed me responsible for the fraudulent charges, including the Home Depot charge.

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 2017-12-07
Company: Ad Astra Recovery Services Inc
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ERC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: NCC Business Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: NAVY FEDERAL CREDIT UNION
State: NH
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 a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late.

I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX   eastern time. My payment was made before that.

I then called the customer service number with the information I found. I asked the customer service representative ( XXXX  ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation