BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-05
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Sir/Madam, I am surprised to receive a letter in my mailbox from a debt collection agency " The receivable Management Services LLC ''. This agency says that I owe them XXXX dollars which I do not recognize. They say they are acting on behalf of XXXX XXXX XXXX. I acknowledge having an insurance policy with them last year, but on my request I canceled the insurance policy because there was an unjustified price increase. I had not received any tickets or been involved in a traffic accident. I have obtained from XXXX  all guarantees to cancel my insurance policy. They said they will refund the money already paid for the month of cancellation. I have all the received emails that I will send to you to help me resolve this situation. The receivable Management Services LLC openly threatens to send negative information in my credit report for a debt I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Having problems have been charged for a loan that I never received and WILL NOT release the information to the loan company. Withholding loan money that was leaded to me and allowed me to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, 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:
Accounts come back verified without all paperwork that should make such a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: DISCOVER BANK
State: IL
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:
on XX/XX/XXXXat XXXX i check my credit score an notice HARD Inquiry details from XXXX there is an hard inquiry from XX/XX/XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: First Federal Credit Control, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I disputed an alleged medical debt with XXXX XXXX XXXX XXXX , XXXX. I was never notified about this debt and they reported this to credit bureaus without properly validating the debt. On XX/XX/XXXX, the company responded saying they would remove the debt from all credit reports due to it's highly disputed nature. As of XX/XX/XXXX, this debt has not been remove from any of the credit reporting agencies and this is still damaging my credit worthiness. I am moving forward with submitting a complaint to my state 's attorney general office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card ( Visa Vanilla Gift Card Issued by XXXX XXXX XXXX as a gift and the card was fraudulently used. I approached the company to file a complaint I was told I had to go to the merchant, I spent my time going to the merchant in which the card was fraudulently used at and they refunded the money. I then went to use the card in another attempt and the card had already been used again. The bank is now refusing to help and refund the money again. I have requested a refund and a new account number and been denied even though the current one has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage sent a notification of servicing transfer later than required by statute. Thus, the notification was defective ( late ). 

In addition, Rocket Mortgage indicated ( via phone ) that no payments would be marked " late '' for 60 days. However, as of XX/XX/XXXX the new service has provided information in writing that a late fee will be assessed on XX/XX/XXXX. They have not provided a new account number of any other correspondence. 

Because of these defects, the loan transfer should be cancelled and the loan should stay with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: FL
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  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the 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 2017-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lost the numbers of complaints that I had placed against Select Portfolio Servicing, as a senior manager for a law firm and trying to get my modification and others to no avail, the consumers are beginning also to loose faith in the Protection that your Bureau gives to Consumers. 
Attached one more time the lies from XXXX I have submitted my loan modification packages three times and never XXXX has even uploaded my documentation to review me for a loss mitigation possibility. See Exhibit A, the lies I did not provide documentation on a timely matter. Not once in the time that I have been trying to modify my home XXXX has sent me any letters requesting additional documentation. They create them the same as XXXX XXXX XXXX does just to comply with regulations that you are allowing them to continue. Please as the only hope for homeowners as myself see attached documentation and question SPS consistent and repeatedly misconduct in violating RESPA 1024.41.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection debt with XXXX that was being reported on my credit report by a collection agency named Ad Astra. In XX/XX/XXXX, I contacted Ad Astra and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, Ad Astra is still reporting that I owe {$480.00} to XXXX XXXX, even though I settled this debt two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Bridgecrest Acceptance Corporation
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received the promotion from Chase about new Sapphire Checking account. It stated I should have received XXXX ULTIMATE REWARDS BONUS POINTS after transferring a total of $ XXXX.I applied the coupon code and opened the account in XX/XX/XXXX and have kept the above XXXX balance in Chase YouInvest investment account ever since. 

However, it has been five months since I opened the account and I never received the reward points.I tried to contact Chase multiple times and they claimed I never had the coupon code. I was really frustrated and have showed them the coupon code I received and applied. There are no follow-ups and I am really concerned now as this is not the way Chase should treat its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, OH 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 2021-02-18
Company: EQUIFAX, INC.
State: NY
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:
These are not my accounts. Please remove them. I had disputed with the creditor as well. XXXX - Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Cavalry Portfolio Service, amount  is $XXXX. I have disputed this account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase!!!!! 
They removed my cash out of my account and into another that i have no access too. They dont reply to emails and blocked my phone after nearly 2 months of struggling to get my money back. Its only XXXX but i need it back in the value it should be to the bitcoin price now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Performant Recovery calls my home and mobile phone repeatedly, harrassing me about a false debt. They claim they were contracted by the Department of Treasury to collect {$700000.00} in back taxes from me. None of which is true. My taxes are paid and up to date. I have never received documentation from anyone about this false 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 2018-04-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted American Education Services about reducing my loan payment while I attend dental school full time and can hardly work. They concluded that I can not receive income based repayment or deferment. This occurred on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a certified check to deposit {$4400.00}. XXXX. TD bank credit my account on XX/XX/2020. 

The person who sent the check requested a XXXX transaction for {$1000.00} and then another transaction for {$1500.00}. 

The bank confirmed the funds was available for use but I realized it was a counterfeit certified check and I notified my bank on XX/XX/2020. The fraud department froze my account and said the funds was pending. But the bank went ahead and sent both of the transactions out even though the second transaction was to be sent on Monday, XX/XX/2020. 

The bank should immediately notify me that the check was counterfeit and why did they make the funds available for me and I called the same day that the funds sent was a scam. The bank still went ahead with the pending transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today, XX/XX/2021. I contacted Wells Fargo/XXXX XXXX for a credit line increase. They wanted to do a hard credit pull I said no and stated why and then disconnected the call. Roughly two hours later I see that the hard credit pull occurred without my consent. My FICO score went down 7 points immediately ( I check my credit daily ) and it happened right after the credit pull. I called and filed a complaint and they said it may take 10 business days. This was an illegal credit pull and with the 7 point drop in FICO, I have already suffered damages. I would give my consent for you to pull that phone call to review. I would like this resolved with the full force of the FCRA ( Fair Credit Reporting Act.

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 2022-02-10
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone who knew my personal information obtained a credit card through Baclays Bank and added me as an authorized user without my knowledge or consent. The primary card user is using the card and not paying the bill and has refused to remove me as an authorized user to damage my credit.

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 2020-05-28
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls constantly! They are trying to reach XXXX XXXX who divorced from the XXXX Family more than 20 years ago. She has our number listed on a number of bad transactions. XXXX remarried several years ago, but we don't know her last name. She lives in XXXX, NV. We would like all these harassing calls to stop! The XXXX debt collectors were extremely rude and aggressive. Since they are calling about something that is not even our business, we would like to lodge a complaint against them.

Company response to consumer: Closed with non-monetary relief