BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: Phoenix Financial Services 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:
On XXXX XXXX I received a letter from Phoenix Financial Services LLC/ XXXX XXXX XXXX XXXX XXXX trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXX for the amount of {$1000.00} dollars and a second one from XX/XX/ for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) I sent my letter via certified return receipt on XXXX XXXX and received a response from them on XXXX XXXX. 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ' XXXX XXXX XXXX ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX CT XXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX AV XXXX XXXX, CA XXXX ' XXXX po XXXX XXXX XXXX, CA XXXX ' XXXX XXXX  XXXX XXXX CA XXXX ' XXXX XXXX., XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX  XX/XX/XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXXXXXX XXXX XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX  XXXX bankruptcy XXXX Filed on XX/XX/XXXX XXXX number : XXXX XXXX : U.S. Bankruptcy Court

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 2019-10-31
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was aware of a item on my credit report that's doesn't belong to me, I contact the collection company and ask them to provide me some proof that it belong to me and all they send is my name printed on paper with a address on there. this item on my credit file doesn't belong to me and the collection company won't investigate or remove it from my report.Can CFPB help me getting this false information remove from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has repeatedly misallocated payments, lied about refinancing options and at the start of my repayment with them attempted to get me to go into forbearance excessively. 

I recently was approved by XXXX to pay off my loans with Navient and they sent in a payment for the entire loan amount. Navient placed a majority of that loan into one account leaving it with a negative balance and me with a remaining balance. They have done this in the past with my government student loan checks. This is also the top reason they were sued. I discussed it with Navient and they stated they would look into it and make the change, but this wont happen until the XXXX of XXXX and I will owe interest to them at that point on the loans not paid. 

Before I went to XXXX, Navient stated on several occasions that I was not eligible for consolidation of my loans, a flat out lie. I was offered income based payments only. I asked them repeatedly about other loans options and was told there were none. When I contacted XXXX, I found out about private loans and received a much lower interest rate. 

Navient is a scam on student loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: OR
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:
Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yet again, Resurgent Capital Services have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged accounts, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copies of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. 

It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: ID
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name 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 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I registered access to a " XXXX '' account through my USAA Checking Account. I was attempting to buy football tickets to the 2018 XXXX XXXX that night, and the seller ( named XXXX XXXX ) told me to use this as a secure payment method. Since it was through USAA, I felt safe that this was a reliable method of payment that would be backed by the company. 

Once I sent the {$1000.00} through XXXX, I realized this was a scam and the individual was not going to send me the tickets. I immediately called USAA and asked them to stop the transfer, but they said it was " pending '' and that I would have to call again on Monday, XX/XX/XXXX to file a dispute. I again requested them to cancel it since it was still pending, which meant it hadn't been received by the scammer and providing me some hope that there was still time to recover the {$1000.00}. However USAA was adamant I would have to call back on Monday. 

I called back on XX/XX/2018 to file a dispute, as I had paid for a service or product that was never provided to me. I received an email today that stated " Based on the XXXX Terms of Service agreement, the sender is responsible for resolving any dispute with the recipient regarding payment for goods, or services '', and they closed my dispute without offering me any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
portfolio recovery is in Violation of 15 U.S. code 5 1681b permissible purposes of consumer report.

15 US code 1681a ( 2 ) ( b ).

Maximum Accuracy 15 US code 1681e ( b ) 15 USC code 1692F Violation section 808 unfair dept practices.

15 usc code 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Uprova Credit, LLC
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan from UpRova on XX/XX/2023. Unfortunately, the terms of the loan were not clearly outlined, and I was unaware of the high interest rate. Had I known about this, I would have never done business with Uprova, as such practices are predatory and should be illegal. This is not fair business conduct under any circumstances. When I called to speak to a representative at UpRova, they were unhelpful and rude, suggesting the obvious solution of paying off the loan in full to avoid the XXXX XXXX interest rate. Upon requesting to speak to a supervisor I was informed nobody was available. The unprofessionalism and term " agreements '' are very concerning.

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 2019-01-02
Company: First Data Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. 

Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. 

Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. 

On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. 

For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.

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 2021-05-21
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. This debt company is that they have never contacted me to stated that this debt was owed by myself or given me the opportunity to dispute this false debt!

2. The only persons debt that this could be is my deceased fathers, we have the same name.

3. The debt is from more than seven years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection : commonwealth financial systems- have a medical debt from XXXX which is {$7100.00} this debt is a medical debt, this is an incorrect and a wrong debt- I called the collection company months and months calling everyday asking them to email me or fax me or mail me a copy of this bill any information regarding this bill that never happened, I disputed it they said I have to send them proof of insurance I did, I was given the wrong email over and over again. They never gave me a bill/ never gave me their email address to send them my insurance proofing I been having insurance and this is not my BILL that was something not covered by my insurance as my insurance was never ran. 
I finally spoke with manager they gave me a wrong email again, I called her back demanding her to send me an email so I can reply back to the email and send my insurance information ( I sent proof of insurance since XXXX ) then still they did nothing they refuse to remove this from my credit, they refuse to do ANYTHING regarding this issue, I disputed it with XXXX  5 times so far it comes back as accurate however when I call them asking them how is this accurate they said they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Financial Asset Management System contacted me in XX/XX/XXXX with a letter stating that I owe more than {$2000.00} for a student loan that originated with the University XXXX XXXX XXXX in XXXX. 
I had previously paid this loan in full to XXXX XXXX XXXX over a period of several months, with the final payment in XX/XX/XXXX. 
I called FAMS and let them know there had been a mistake. The Customer Service person I spoke with said this is not unusual -- that XXXX had sold a loan to her company that we had already paid. She asked me to forward the documentation I had to the client services team and her supervisor. I did so and also filed a dispute with XXXX. 
Today I was informed my dispute was denied. I can not get a response from FAMS. I did however recently receive a second collection letter from them.

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