BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is for XXXX XXXX College as well as Conserve Collection agency. I called XXXX XXXX College in XX/XX/XXXX to inquire about a balance on my account when I was trying to register for classes. To my surprise, she stated that I had a {$390.00} balance for a registered class for Fall of XX/XX/XXXX. I let her know that I delivered my premature son in XX/XX/XXXX and I did not take nor drop or withdraw from a class- it was not possible. She stated that I would have to come in ( I live an hour away ) and file an appeal for it. 

TWO weeks later, I get an alert on my credit report that there is a new account listed, Conserve. I called to find out what company was the original creditor, and they stated that XXXX ( XXXX XXXX College ) was the original creditor but they didn't know for what. XXXX NEVER notified me that there was any sort of balance on my account- let alone one that would possibly be forwarded to collections, I HAD TO CALL THEM TO REGISTER then all of a sudden 2 weeks later its already in collections? How? 

I drove the hour to XXXX in XX/XX/XXXX to file the appeal. When asking about this balance, I asked how it would be possible to have a balance for a class that I never took. If I was registered for a class, after 24 hours of non-payment, the class is automatically dropped. Also, after being a no-show for a class, ( online or in person you are dropped ). They are attempting to charge me a balance for a class that I was not even able to log into ( my doctor verified this with the letter he faxed to XXXX ) and that I should have been automatically dropped from this. 

After sending in all supporting documents and a statement explaining why I was appealing this balance, I got a call from someone at XXXX saying that they changed a rule that you only have 90 days to appeal something like this and now it is too late. She gave me the email address of the woman who made this decision- XXXX and that was it. How is someone supposed to appeal something within 90 days if they are not given ANY notice of this at all? I would have never known this was even amount that I was being charged, had I not contacted them about registering for a class. Conserve and XXXX are now single-handedly ruining my credit by reporting an account that is not even a valid debt EVERY WEEK. This is literally a scam and {$400.00} may not be a lot to many to where they would just pay it but this is WRONG. This is not a valid debt- these are not real charges! 

XXXX and Conserve are trying to make money off of people by bullying them into paying XXXX  charges. I called Conserve again this morning and advised them that I am attempting to handle this with XXXX and this is being disputed and the rep stated that they will continue to report this every week. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is due to great concern that I am filing this formal complaint against Specialized Loan Servicing LLC. Im writing to inform you that despite numerous opportunities to give me an explanation as to why my escrow has been increased, I paid it in full to them anyway with out delay. It was sent to them on XX/XX/XXXX and cleared my account XX/XX/XXXX. The shortage payment showed on my XX/XX/XXXX-XX/XX/XXXX statement. Despite making this payment they have still yet to apply it to my escrow and have been utilizing my on time payments to pay into the escrow now telling me that because my payments are not sufficient, they now are suspending them and not paying anything. You can see the details of this on my XX/XX/XXXX statement that is now showing a payment owed of {$3800.00} vs. {$1700.00} payment I have always paid. Whats even more disturbing is that the only thing that has changed is that my taxes have gone DOWN. My taxes have gone from {$3600.00} to {$2800.00}. Again, no one can explain to me why I now have the shortage. Also, doing the math they said my shortage was {$650.00} but if you add the difference of what they are charging me monthly at {$230.00} X 12= {$2800.00}! Who is doing the math over there? Im very very concerned as a consumer and concerned that they are carrying my loan. None of this makes any sense and they can not explain it to me. Despite calls to them in XX/XX/XXXX, XX/XX/XXXX and the latest XX/XX/XXXX for nearly two hours. Your help with this is truly appreciated. I have attached proof of the following : *escrow shortage check clearing *Taxes going down *Insurance staying the same *My payments being made on time *the escrow shortage request *their continued demands in their statements of charging me like the shortage has still not been paid

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 2019-10-17
Company: Receivables Performance Management, LLC
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/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER MNG 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 RCVL PER MNG 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 XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I transferred {$800.00} from my checkings account to my cash app account. I then moved the money from my cash app account to my secondary account. The account was then closed by cash app for unknown reasons and cash app will not let me retrieve the money. I have sent several emails to cash app but they only send automated email responses. They do not have a customer support number in order to talk to them. I have tried everything i can think of to try and gain access to my funds but i have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: SQUARETWO FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX, I was in the midst of a financial crisis, losing my job and having to relocate and downsize. At that time I had a balance of {$1400.00} with XXXX ( XXXX ) and had managed to make payments up until then while suffering an outrageous interest rate of 29.9 %. On XX/XX/XXXX I was attempting to work out a debt relief agreement with XXXX ( hardship application ) and requested a modification based on the amount of extraordinary interest and fees that were being added to my bill. After back and forth FAX communications they denied my request and followed up by transferring my debt to XXXX XXXX XXXX. These people were confusing to say the least, and after trying to negotiate my debt down with them I ended up with XXXX XXXX- and began to get threatening letters and calls from XXXX XXXX XXXX . I see that XXXX XXXX ( Square Two Financial ) is being sued ( many complaints about their tactics ) and that they are a shell corp and they are filing bankruptcy! At one point last year I had worked out a payment plan with them- but they reneged on the terms and reverted to the original debt and payment. I wrote them twice afterwards stating that I was not happy with their disregard of our agreements. Since then they have constantly called me, threatened me and have ignored my letters and correspondences. 

At present I live on social security and odd work when I can. Can there be some help to rectify and end this foul issue on my credit report- after all over the time i had the loan with XXXX I paid thousands of dollars in interest and fees. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-17
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent out a dispute to discover financial about an account on my credit profile that does not belong to me. On XX/XX/2019 i faxed a dispute letter my social security card drivers license utility bill affidavit of identity theft and also a police report which will be included in this complaint. I received a response to my dispute from discover bank on XX/XX/2019 stating that the account ending in XXXX was found to be valid. In my dispute i requested that discover delete the trade line off of my credit report unless they conclude that the trade line item is verified, I requested details of there method of verification used to determine the accuracy and completeness of the information they included about me in a consumer report. In there response to the dispute they did not send over proof that the account belonged to me and they also did not send over there verification methods as i requested there response to my dispute will be attached as well. I spoke with a representative today XX/XX/2019 again about this matter i asked why are they trying to collect on a debt reported as identity theft and the representative told me that my affidavit and police report is not proof of identity theft. This inaccurate information that is being reported about me is causing me serious stress and damaging me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX & Experian would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, and Experian would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : ***XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX RE Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/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
Consumer complaint received 2019-10-07
Company: Navient Solutions, LLC.
State: NV
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: CO
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:
I opened an auto loan XX/XX/XXXX through XXXX. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. XXXX sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. XXXX had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called XXXX multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the XXXX bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the XXXX bankruptcy department that can verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a small personal loan with this institution for almost 1 year to make small investments as work as a checking account and personal loan of {$500.00}. 
Back in XX/XX/XXXX I called the company to find out why my investments were not moving at all plus I paid off my small loan early. 
I was told they would look into it and call me back after their investigation. In the mean time they suggested I reopen for another small loan to keep my credit report in good standing. I agreed and received loan. 
In watching my account I still noticed my investments were not moving. I called and was told investments were no longer available and I could not do anything with it until my new loan was paid off. I stated why was I not advised of this information. I would have never taken out the small loan again and just closed out my account and take what was in there.

Now today I get an alert from my 3 credit bureaus stating my score went down .45 points because moneylion claims my account is closed. I again called them and they said my accounts were open and I can dispute with credit bureaus myself. I told them absolutely NOT your company reported it now you fix it. I also requested a manager to come on the line to handle this issue along with the investment account issue. Well they put me on hold for a total of 1 Hr and 56 mins and never came back in the line. While being on hold I used my landline phone and called took 30 mins to get through to them. I explained about being on hold along with my issues. He said I will either get a call, or email from company trying to fix the credit report however I can not remove my investment until new loan is paid off. Do it just sits there. I told him I want a personal phone call not an email regarding my problem. I did not appreciate being put on hold for almost 2 hrs and still no one picked up the other line and that I would be reporting them to your offices. I am XXXX and dont appreciate being taken advantage of. I want my investment money back my credit report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wrongful Repossession and late payments showing on my credit reports : I am a XXXX XXXX XXXX XXXX XXXX and was shocked when my vehicle was repossessed by USAA FSB in XX/XX/XXXX.  I do n't know how this could happen, especially, since my car loan has been set on ACH payments through XXXX XXXX XXXX XXXX since I purchased it. 

The transactions on USAA.com that show reversals, do not match on my XXXX XXXX XXXX XXXX bank statements. The XX/XX/XXXX transactions screenshot only shows my auto insurance policy. There are no statements for late payments or missed payments. Also, the weekend that they repossessed my vehicle, there were large unexplained fees of {$950.00} & {$750.00} on my USAA.com account. 

You can compare the bank statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my USAA.com transactions, payments or reversals ... .They do n't show on my bank statements. 

My fianc at the time, and now husband, paid over {$2200.00} to USAA to redeem the repossession. And I tried to resolve this issue in the past but both institutions are placing blame on each other without accountability, nor reparations. 

We have been trying to qualify for a home purchase loan and our efforts have been hindered due to the credit report lates and repossession remarks. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: DC
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:
Freezing my credit report should be easier, and free The current situation is absurd

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