BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Salesperson at XXXX ( XXXX XXXX XXXX ) fraudulently fabricated an address and phone number to bill unauthorized internet and phone services to my name. I was informed by 3 different XXXX  employees that the issue was resolved, only to find that it was later sent to collections with AmSher ( ashmer.com ). It is evident that my dispute of AmSher 's collection was not reviewed by their organization or XXXX. It was only after I filed a Consumer Protection Complaint with XXXX XXXX ( XXXX ) that XXXX reached out to me to inform me the Sales Representative was fired for his actions and 'my ' debt collection with AmSher has been waived. 

However, this complaint is with AmSher specifically, as they have been equally negligent throughout the process and failed to discontinue debt collection at the creditor 's request. I never received a debt validation letter from AmSher. Initially this was because they sent it to XXXX 's fabricated home address that I had attempted to correct with XXXX 3 times. I corrected the address for AmSher and requested debt verification letter, which they failed to send. My debt collection had not impacted my credit at this time. The debt collection appears to have been reported to credit bureau weeks after I notified AmSher that the debt was nullified ( effectiveXX/XX/2021). After learning that the debt was waived, AmSher has gone 'dark ' on me and will not respond to multiple requests to confirm account is closed upon providing the creditors ( XXXX ) confirmation number. My experience indicates that ( 1 ) AmSher reported debt without first sending the requested debt validation letter and ( 2 ) knowingly proceeded after having been directly informed that the creditor has approved my dispute. I have no further recourse, as AmSher has stopped email communication, as this discontinued debt would otherwise not be profitable to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The cost is {$310.00} to XXXX XXXX XXXX. The credit bureau handling my case is constantly calling my employer, even contacted other departments I do not work in. Threatening other employees and stating they have tried to call me multiple times. They even asked to speak to my supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Destiny Mastercard run by genesis inc without notice or writing or contacting me, lowered my credit limit, causing a over limit on the card and reporting it to the credit bureaus as over limit. Then wanting a min payment of over {$250.00} threatening late fees and extra interest charges if not paid on payment date. My previous payments have been around $ XXXX. 
I have called them and made contact with them on XX/XX/XXXX and XXXX XXXX. They admit they lowered the credit limit and want {$250.00} payable now, even though I paid {$50.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: LA
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:
XXXX, XXXX, and equifax are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, XXXX, and equifax to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, Equifax, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, equifax, and XXXX are in direct violations of the fcra. Equifax, XXXX, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, equifax and XXXX can not continue to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Skopos Financial, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Under the ftc guidelines ( ( d ) Consumer Report 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The company is reporting late payment transactions to all three credit bureaus after the account has been delinquent more than 6years

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 2019-09-18
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: Information belongs to someone else

Complaint:
Theres an account ; XXXX XXXX XXXX that's not mine.

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 2019-07-16
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
It started in XX/XX/XXXX when I had to take XXXX from my employer due to medical issues. Which cause me not to work, I had then applied for a modification since I was falling behind and was approved on XX/XX/XXXX. During which I was not working because I was laid off on XX/XX/XXXX and was only relying on my XXXX income. I was during XXXX that me and my XXXX at the time had a divorce which once again was a financial blow. He then became ill and only relied on social security income. By that time I started a new job in XX/XX/XXXX and was also getting assistance from my XXXX XXXX. We once again applied for a modification and was approved in XX/XX/XXXX, but instead of getting an affordable rate it went up which caused our payment to go up. We made payments and just am not able to maintain the current payment with the income I bring in the social security income that my XXXX XXXX brings in. We then applied and got denied for assistance and now we have a sale date for XX/XX/XXXX and the lender is not willing to postpone.

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 2021-08-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dates XX/XX/2020 & XX/XX/2020 {$1400.00} each account. 

All I received was a notice of the amount. The XXXX never sent a bill itemizing the amount left to pay. I emailed the XXXX the packet for financial assistance and the XXXX never returned my phone call or emailed me back to even say they received it. I have a XXXX XXXX and due to the nature of my job I was unable to work for weeks.

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 2018-01-16
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took a family member to the doctors because I signed the member in to see the doctor, the collection agency states I am now liable. The family member had their own insurance and from what I understand their insurance did not cover all of the costs, which was not disclosed at the time either ( another issue entirely, but not my issue ). I am clearly a third party to this and did not sign anything saying I would pay the bill. The bill is the responsibility of the person that received treatment, not me an innocent by stander. In my opinion this is fraud. The collection agency is trying to deceive me by making a unjustifiable claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-23
Company: Lazega & Johanson LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I first heard from this " law office '' in XX/XX/XXXX of 2017. They claimed they have taken over the debt from a XXXX that I do not remember having. I asked for documentation because I am not aware of this card. They sent me very vague information so I referred it to a credit care company that I have hired to help me with negative credit  information. Now, the company is calling my elderly parents! I am a retired XXXX XXXX XXXX. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: International Collection Systems, Inc.
State: AZ
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 called them and told them of my bankruptcy and they said they could not remove it. 
Az case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX I submitted via certified mail to Weltman, Weinberg , & Reis Co., LPA a written request to stop contacting me except via US Mail however they continued to attempt to contact via telephone many times through out XXXX, XXXX, XXXX, and the beginning of XXXX. At one point they called my in laws and told them they were attempting to get in touch with me over a past due loan and they attempted to call me at my place of employment on or about XX/XX/XXXX however I do not have a record of this. I do have records however showing 29 call attempts from them, some with messages, that occured between XXXX, XXXX and XXXX, XXXX. Some days they called 2-4 times per day. 
Also on XX/XX/XXXX, within 30 days of receiving the validation notice, I requested several documents to validate the debt including proof that the account had been sold or assigned to the collection agency which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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: Account status incorrect

Complaint:
I asked Experian to remove a debt from my credit report because it could not be validated. XXXX XXXX and XXXX could not validate the debt so the debt was removed from both credit reports. 

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 non-monetary relief
Consumer complaint received 2018-01-23
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it 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 2021-12-04
Company: Paradigm Assets, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On approximately XX/XX/2021, I contacted a debt collector that I had a number for, XXXX XXXX XXXX XXXX, who told me they no longer held my debt of {$3200.00}, it had been recalled by the owner. They informed me that it was now held by JHPDE Finance I , LLC, and they provided a phone number for contact, so I called that number. I reached a representative of JHPDE Finance I , LLC, who informed me that the debt was not theirs to collect, and that it was assigned to XXXX XXXX XXXX XXXX, and that I would have to contact them. 

Upon recontacting XXXX XXXX XXXX XXXX, the next day, XX/XX/2021, I was told that the owner was Paradigm Asset Management, not JHPDE Finance I , LLC, and was provided a phone number which matched that on the website -- http : //www.paradigmassets.com -- so I called Paradigm, this was the first time. The voice on the announcement was the same, and the same announcement as for JHPDE Finance I , LLC. Paradigm did finally answer after the third attempt that day, and after explaining my situation, and explaining that I need the information on the debt and where to send payment through refinancing my home I was told that direct payment would have to wait until next week when they have the debt assigned to a collection agency, and that they aren't set up to collect payments, despite their phone answering announcement stating, " We are a debt collector ... '' They stated that it was already in the process of being reassigned, after verifying my information, and told me that it would be in the hands of an agency approximately XXXX week from today, so that would be XX/XX/2021, at a collection agency. I have yet to be contacted by this new -- as yet unknown -- debt collection agency. 

This stalling from Paradigm on getting a verification of the debt amount and where to have it sent when my refinance closes is causing an unreasonable delay in closing, after XXXX attempts to speak with Paradigm/JHPDE Finance I, LLC -- who owns the debt -- on the phone and finally being advised via their own phone answering pickup recording that 1 ) they are a debt collector, then 2 ) being told they won't provide information on how to help them collect that debt by providing information necessary to allow me to have the payment sent directly to them from escrow. Either they want the money or they don't!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft coming from XXXX XXXX XXXX Data Breach. The Items I have identified and highlighted on my FTC report are all fraudulent and not mine and do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-07-16
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan. 

I filed a dispute with XXXX XXXX explaining that the debt was not mine. 
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 
4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine. 

I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. 

I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received my results from Transunion CRA and my results against XXXX XXXX   XXXX are still being reported on my credit report Transunion started investigation on XX/XX/XXXX today is XX/XX/XXXX the results are still the same I dont know what kind investigation they did but its a poor one I started back in XX/XX/XXXX disputing this company XXXX XXXX XXXX I wrote letters to them I wrote letters disputing with Transunion according to section 609 of the FCR a if there is not a original signed contract you have to delete the information from the credit report this company does not have any information on me with an original signed contract nothing with my signature on it I am putting in another complaint against Transunion and XXXX XXXX XXXX with CFPB. I informed Transunion that they had my sisters name on my credit report, I will continue to put complaints in until this matter is resolved. I have documentation on an account that XXXX XXXX is reporting that is deleted Ive shown them this information as well as all three CRA. Im fighting for every consumer that has issues with XXXX XXXX XXXX ... Im not done! This complaint is against TRANSUNION

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