BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: Nationwide Recovery Systems, Ltd
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call on my cellular phone on XX/XX/2018 at XXXX XXXX. The caller ID said United States. The number that came up on my caller ID was ( XXXX ) XXXX. Immediately the man whom had a foreign accent started asking me if I was ( MY NAME ). I told him that I was and he began asking me about my social security number.He already knew the last 4 digits of my social security number and read them to me. I then told him that I was not answering any questions because I did not know whom I was speaking with. He answered the " IRS '' He asked me for my current address. He then read my address to me. Again I told him that I was not giving any personal information because I did not know whom I was speaking with. He also has my name and phone number. I was getting very concerned with him having my information and I pushed him again asking who he was. This time he said he was with " NRS '' a debt recovery service. I had a XXXX injury and went through the XXXX XXXX XXXX XXXX XXXX and am now on XXXX. I told the man that it was a violation of my rights for him to pretend to be from the IRS. I told him that his phone ID even came up under United States. I told him that I would report him to the government. I asked him to mail me any requests and not to call me again. He clearly lead me to believe that he was from the IRS. I believe it was intentional because later when he said NRS, I could clearly hear the difference. He is attempting to collect debt information and allowing people to think it is the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 : Called Chase customer service line and complained that I keep getting a NSF charge on my account and would like it removed. They said that they have no proof that I paid that amount which is {$820.00}. I told them that I have proof of my payment, they then told me that I had written a bad check to them XX/XX/2019 in the amount of {$740.00}, which I did not. I would not normally seek action on something so trivial, but this has been going on every month now since XXXX. I'm sure that I'm not the only one being wrongly charged by Chase. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I supposedly owe {$8700.00} for an XXXX XXXX account XXXX, I have attempted to dispute the debt with verification from XXXX that it is owed. I then attempted to contact the collections agency ( Midland Credit Management ) to find my account after failing to create an account due to invalid information. I called them and gave them my full social security number and name, as well as birthday, and they do not have the account with my full information. I also contacted the creditor for resolution but they are not able to help.If they do not have an active account tied to my information, how are they claiming I have any debt owed to them when they can find nothing with my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLXXXX XXXX CREDIT COLL  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL XXXX  CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX Equifax furnished an inquiry on my consumer report without my consent Listen From XXXX XXXX. On XX/XX/XXXX Equifax furnished another inquiry on my consumer report without my consent from XXXX. On XX/XX/XXXX Equifax furnished another Inquiry on my report From XXXX XXXX XXXX XXXXXXXX XXXX. The furnishing of all inquiries are not allowed by Federal Law the FCRA to be specific for Congress has stated in the FCRA that a consumer reporting agency may furnish a consumer report under the following pretenses and no other and then stated that the furnishing if consumer reports should only be In accordance with the written instructions from the consumer to whom the consumer report related and I XXXX XXXX never gave Equifax to permission nor did I give them oral or written instructions to furnish anything on my consumer report. Equifax is now in violation of the FCRA for violating the permissible purposes section which they never had and are now civilly liable for their inaccuracy and negligent behavior in the furnishing of all said reports. On XX/XX/XXXX I filed an identity theft report and sent it to Equifax on XX/XX/XXXX with a copy of my ID to verify my identity and attached a XXXX XXXX letter letting them know that they have to remove these things from my consumer report I sent all documents certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX By Equifax breaking federal law and furnishing all said inquires on my report this has caused me actual damages in the amount of mental anguish and emotional distress for it is a fact that inquiries are known to affect credit scores in a major way which In result can prevent me from obtaining credit and getting higher interest rates on things that I desire with purchasing things from my consumer credit it is also an invasion of my consumer privacy that congress has stated that I have and am entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX, XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021

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 2021-09-14
Company: Receivables Management Partners, LLC
State: NC
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:
15 USC 1681, my privacy and medical records was shared with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.

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 2022-01-19
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2017, Collection Management Services reported an alleged debt without verification. The company did not provide any form or agreement that gave the organization a right to collect according to the FDCPA. The company did not disclose that I had a right to dispute the alleged debt nor did they inform me that I had 30 days to do so. I have sent a cease and desist order for all communications. According to the act, communication is the conveying of all information through any medium and my credit reports are mediums of communication. I request that Collection Management Services cease and desist and remove all of my information from their records as well as from all credit reports immediately.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 2018-01-08
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted the company on several occassions was given a email to do courtesy removal of late payment do to family illness no response. then florida was in a state of emergency with hurricane irma said the loan wouldnt be affected ( XXXX XXXX and XXXX XXXX ) for late fee penalties and negative reporting and it was for XXXX XXXX i was told to dispute it and they would fix it and its not fixed the calls are monitored and recorded for XXXX and XXXX for hurricane irma ... .. recieved a letter and the company denied me a month in a half after initial email called and left a message no call back

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 2021-03-09
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I currently have a mortgage with Keybank after purchasing a home in XX/XX/XXXX. I went into forbearance for 6 months due to COVID. The forbearance period started in XX/XX/XXXX and finished in XX/XX/XXXX. During that time, I missed a total of 6 mortgage payments, in total about XXXX. 

However, all 6 of those payments WERE ADDED AS PRINCIPAL balance to my loan! In essence, after the forbearance period was over, I owe more on my house than the original purchase price, which is a gross miscalculation of the missed payments. My original loan amount was XXXX. I've been paying it down from XX/XX/XXXX through XX/XX/XXXX. Does it make sense that, after 6 months of forbearance, I now owe more on my loan ( XXXX ) than when the loan was first issued?! 

To provide context, I also went into forbearance 2 other mortgages for a few rental properties at both XXXX XXXX XXXX and XXXX XXXX XXXX. In each case, all of 6 of the missed payments went to the back of their respective loans as a balloon payment, similar to how KeyBank is treating forbearance. However, the principal balance on those mortgages did not change, which is exactly what I was expecting. Instead, payments that I missed simply increased the amount of the last payment, but did not increase my loan size. 

After calling the KeyBank loss mitigation team several times, they have insisted that their treatment of the loan is correct, and that the principal balance does increase during forbearance. In other words, I owe an EXTRA XXXX as a result of forbearance!!! This goes against my understanding and the understanding of other mortgage specialists that I've spoken to on this matter. 

Please contact them on my behalf as they are refusing to do anything further to adjust the loan. They have also reported this larger loan balance on my credit report, and is now hurting my chances at a refinance. 

My concern also lies with their other customers. If they have this treatment across the board, it is an egregious miscalculation across many of their clients, some of whom are not aware that this is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

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 2017-07-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Their investigation did not fix an error on your report

Complaint:
this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It has been brought to my attention that there are multiple XXXX days late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conserve XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement Conserve has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX 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