BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Allied Collection Service, Inc. (Indiana)
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it may concern, Below is the letter that I sent to the creditor over 60 days ago to dispute the reported debt. To this day I have not received any response from the creditor. Also, I never received anything stating that this debt would be added to my credit report and have not received any kind of written notification.

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 


Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Creditors Service Bureau Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received numerous collection letters regarding multiple accounts they allege i owe debt is owed to, have asked for verification to identify the debt, debt verification when produced has not matched known medical records or insurance records i have on file. Asked to have debts removed, debts have remained on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Midwest Recovery Systems
State: TX
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:
Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from PRA. It stated that I owed a debt for XXXX. When I contacted the original creditor, they said that I did not have any debt owed, they actually owed me a refund check for overpayment on the credit card. I was sent a refund check from the original creditor.

I sent a request for validation to PRA on XX/XX/24 - They responded and claim the debt is valid, so I asked for more proof. They never responded and proceeded to report this to all 3 credit bureaus, dropping my score over 150 points. 

There is no debt, how can a company damage my credit with a fake debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on my credit report?

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 2018-03-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. 
I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. 

Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. 
I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. 
Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM INC IS REPORTING A COLLECTION ACCOUNT THAT IS NOT MINE. 1 YEAR AGO THIS ACCOUNT WAS REMOVED DUE TO IT BEING NOT MY ACCOUNT AND HAS REAPPEARED ON MY CREDIT REPORT THIS YEAR. THE ACCOUNT HAS BEEN REAGED AND SOLD TO A NEW COMPANY WHO HAS NO LEGAL RIGHT TO COLLECT THIS DEBT.

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 2021-02-12
Company: EQUIFAX, INC.
State: OR
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:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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 had a vehicle financed with Credit Acceptance, in lateXX/XX/XXXX I was in an accident where I was rear ended and my car was totaled. The insurance company of the person at fault paid off my loan inXX/XX/XXXX with the exception of {$180.00}. I paid Credit Acceptance {$100.00} on XXXXXX/XX/XXXXand the last {$77.00} onXX/XX/XXXXThey are showing on my credit report that the loan defaulted and went into collections. This never happened. I called Credit Acceptance about it and they said they could n't do anything and I would need to file a dispute with the credit reporting agency. I filed a report with XXXX and they claimed to investigate the claim and found it substantiated.

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 2019-02-04
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have student load debt from XXXX. The original lender was XXXX XXXX, then XXXX. Within the last 4 months it was transferred to XXXX, XXXX, and then XXXX XXXX etc. I have not received any update on transfer. On XXXX, Performant called my XXXX year old grandmother re my student debt. My grandmother is not a co-signer nor contact from the original debt. She is also XXXX. When she answered the phone, Performant told her that I had a debt and if I was not available could they speak to XXXX XXXX ( my mother ). My mother is not a co-signer on the debt. As my grandmother tried to figured out, the helper came into the room. She saw my grandmother in distress and took the phone. At that time, Performant also told her that I had a debt. At that time, the helper asked for contact info and Perfomant refused. She called my mother who in turn called me. I went online and called the general number to resolve the issue. It was frustrating because I could not get any information no the nature of the debt all though Performant told my grandmother and her helper. I've tried to get documents in the mail and Performant refused. It is very confusing to keep track of student loans when it transfers to several different lenders within months with no written communication. Additionally, now, my grandmother is concerned about my debt and she is in frail health.

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 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I received an e-mail from Capital One advising me that they have decreased my credit limit from {$15000.00} to {$10000.00} on my card ending in XXXX. This could not come at a worse time, as I am attempting to secure a mortgage and the decrease may negatively impact my FICO across the three CRA 's, which could cause me to receive a higher interest rate on my mortgage and cost me thousands of dollars over the life of the loan. 

I called customer service today ( XX/XX/XXXX, at approximately XXXX XXXX EST ), who told me they couldn't do anything. A supervisor advised I can log online and submit an increase request, which I ended up doing, but it doesn't allow me to specify what amount ( and I'm sure it will be denied since my line was just decreased ). 

I've been a Capital One customer since XX/XX/XXXX. I consider my Capital One credit cards my two primary revolving lines, and my Capital One bank account is my primary Checking account. My card ending in XXXX was my first CC. I revolve no credit, I am not a risk, and I've never once missed a payment ( on any form of credit ). Please do the right thing and reinstate my {$15000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: MD
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:
My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report Experian stated to me that they have never received my information when it was received by mail and tracked that experian received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections

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 2020-06-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: MN
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 received a debt collection letter from I.Q. Data international in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX   XXXX  XXXX. XXXX XXXX XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, XXXX has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. XXXX is the only company that has refused to remove it from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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: Old information reappears or never goes away

Complaint:
XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
inaccurate information, information does not belong to me

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 2019-03-15
Company: JPMORGAN CHASE & CO.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dealership did financing through Chase -There are no chase branches in my area I am trying to payoff loan and they will not let me on the phone. Tell me I need to go to branch. The are trying to extort interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
they didn't properly disclose to me that they were charging me a servicing fee. I paid it on time online and now they are trying to charge me a servicing fee for making a payment online. The amount they state on the first page is the monthly payment amount. It only gets added to the amount they are going to charge on the 2nd page. Furthermore, I tried to cancel it online and they don't have an option to cancel a payment ( it was made on a Sunday ). I tried calling on Sunday before it was processed and they were closed. When I called on Monday ( today ) they said it was already processed and they couldn't do anything about it. The loan servicer gets paid large fees to service the loan. Why do they also need to be shady about charging servicing fees to the people that pay their mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I never had this problem before. So I go into wells fargo to open a business account. they take a week and a half to get back to me only to tell me my account was unapproved. The reason is because of a low personal credit score. I was under the impression that a business stands on its own, and by the way, I have a good business credit score. I literally have not had this issue with any other bank I've ever done business with. Then the representative has nerve to give me an attitude. I feel wells fargo is slow, unprofessional, and rude and is why this report was made so others would be made aware of their practices before getting involved.

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 2019-02-04
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.

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 2019-02-04
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money via western union to a relative in XXXX from a local XXXX store in XXXX and the recipient never received the transfer. After many calls and complaints it has been determined by western union the transfer was completed and delivered t o the recipient. However i learned while on a call that someone fraudulently stole the recipients identity and received the transfer. Now Western Union having this evidence will to refund my money. Western Union requested i file a police report, when i went to the XXXX precinct today they told me they could not file a report since the crime did not happen in New York, but rather in XXXX. 

I NEED HELP, XXXX XXXX DOLLARS ARE LOST. WESTERN UNION WONT HONOR A FULL INVESTIGATION, they simply say that protocol was followed by the agents in XXXX and that's that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account on my credit report and i never open this account I'm a victim of Identity Theft. Diversified Consultant XXXX XX/XX/2018 {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2018 I asked for verification of dispute and copies of the documents that was used to verify the account as per my request reinvestigation was done still failed to provide me the name of the person in the company who verified the accuracy of these accounts which is violation of federal law

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 2021-08-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Attending XXXX XXXX XXXX as a VA student receiving the post XXXX GI bill. Tuition and fees were to be covered by the VA department yet during my time at XXXX I noticed charges against my federal loans. After investigating there were several courses in which I was charged but never attended. I attempted to talk to the school. Nelnet and I dead  never able to resolve. I felt XXXX was using unethical financial service practices almost seemingly attempting to double dip VA students at a school known for being among the most expensive tuition and yet a 2nd rate education. I was completely misled by XXXX from the start and lost over a year of VA benefits and over 15000 dollars in charges to my federal student loans.

Company response to consumer: Closed with explanation