BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: WI
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/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted Experian, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.

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 2020-08-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I need your help in regards to problem I continue to have with Navient Student Loan services. I have been dealing with them for several months regarding my son 's student loan that I co-signed on. Due to both of us losing our jobs in XXXX through XXXX and not being able to gain employment until XXXX, we could not pay on the student loans. This summer during the month of XXXX and XXXX I started getting calls and emails to my work number and work email address. I filed a complaint to you all and they have stop doing that. I told them I could only pay {$200.00} per month on the loans which I did in XXXX and XXXX. Three days after I made the XXXX payment, they defaulted on the loans. Then I get an email from their recovery unit about options. They started calling me again, during work hours. I sent several emails advising them of my options to pay {$200.00} per month and that calling me during work hours is not an option. There is no available time to call them after work or weekends since they only accept calls during XXXX to XXXX eastern time. I am on the XXXX time zone so those hours are either too early in the morning for me or not late enough in the evening. So I have ONLY one way of communicating with them and that is through email. I get an email today saying that I have not tried to contact them and that if I don't then they have no option but to go to the next level. Well that is a complete lie. I have contacted them SEVERAL TIMES through email. They only responded once through email telling me that the payment option I provided them was not acceptable. I don't feel that Navient wants to works this out in good faith and just going through the motion to pretend that they are. I have asked for documentation on options and they refused to give me any. They just simply ignore my emails and continue to call during hours that I am not available. I really don't understand why Consumer Financial Services or XXXX XXXX XXXX is not going after Navient. They break all debt collection regulations by calling/emailing people at their employment. They hack into businesses network to get email addresses ( that is the only way they could have gotten my work email ). I don't know what else to do. Can you guys please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: RentDebt Automated Collections, LLC
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:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of XXXX XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Halsted Financial Services, LLC.
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: Account information incorrect

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with HALSTED FINANCIAL SERVIC with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to my complaint filed on XX/XX/20 Commonwealth Financial Systems continues to be very deceptive and is now using stall tactics. 

According to XXXX XXXX, Legal/Compliance Dept a search of their records failed to identify a record linked to my name and address provided. She also stated that she would need my birth date and the last 4 digits of my social security number. 

Now what I find very strange is that I have never spoken to anyone from this company, never received a dunning letter from this company so, therefore, I never provided my birth date nor the last 4 digits of my social security to this company before they placed this account on my credit reports. 

So if I have never spoken to a representative from this company to confirm my birthdate and last 4 digits of my social security number then how is it that your company placed it on my credit reports? How is it that now you claim to not being able to locate a record with just my name and address? 

Also in my complaint, I also provided the account number from Commonwealth Financial Systems that was used when the debt was placed on my credit file. So how is it you can't locate my file? 

Please see the attachment of my current generated credit file from XXXX and XXXX as of XX/XX/20 that shows Commonwealth Financial Systems placed a collection on my reports which also show the account number!

So evidently this company does not need my birth date nor my social security number to locate my file because they have already placed it on my credit reports.

Furthermore, all of a sudden I received a call from Commonwealth Financial Systems today XX/XX/20 right before they provided their response so obviously, they can locate my file with my name and they continue to blatantly lie! Please see the attachment which shows the missed call from Commonwealth Financial Systems.

As this company has already violated my consumer rights by placing this frivolous debt on my credit file without sending me a dunning letter and giving me the option to dispute and question the validity of this debt, violating the Fair Debt Collection Practices Act and also not being in compliance with the Metro 2 reporting System. I will not hesitate to file a lawsuit against Commonwealth Financial Systems.

I have all the evidence to back my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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: Account information incorrect

Complaint:
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.

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 2021-04-24
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 I received a letter stating that I owed XXXX XXXX a sum of {$610.00}. At the time, I put it off because I believed it to be false. But, over time I kept getting repeatedly called about it. I was told by XXXX that I made a purchase of {$610.00} out of state. While I do have an account with XXXX XXXX, I have never made a purchase of this amount with XXXX XXXX. The company attempting to collect this debt from me is Credit Management LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I submitted a complaint to the CFPB ( XXXX ) concerning my present mortgage company Chase Bank. They responded with a standard reply and the case was closed. I responded with a letter to Chase because I was not satisfied with their response. 

As a result of my complaint to your office and my response to their reply to the initial complaint, Chase Bank has taken punitive action against me by turning my mortgage over to XXXX XXXX XXXX ( from my research, this appears to be a sub par servicing company ).

When filing this initial complaint, it was my prayer and hope that Chase would look into the matter and actively work to make things right. However, just the opposite ... Now I get XXXX ROYALLY!!!

I need your help please?!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bought a XXXX with now ex-husband. XXXX ordered he took over the XXXX and payments. He didnt, XXXX was repoed. All this was in 2017. This year I got a letter a debt collection company is suing me for the money. Never even heard of them company or was told itd be transfered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: A-M-S Mortgage Services, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I met XXXX XXXX on XX/XX/19 on XXXX XXXX XXXX XXXX - XXXX 's store I was introduced to him by the owner of said store XXXX. ( said store is out of business ) Mr . 
XXXX made me believe he had an organization with a array group of individuals were he was the owner.He told me that in order to start the house hunting process I needed to pay him {$490.00} cash which I did, he also said to me that he will give me at time of closing {$1000.00} back. on XXXX I received a Pre Approval letter via email from him from a bank that he was affiliated with according to him. Pre Approval letter received from AMS MORTGAGE XXXX XXXX whom I have never met nor spoken to. I was super excited and ready to begin my home buying process Mr. XXXX will send houses via text messages and I asked him to set appointments for some of the properties but he never did, I became concern because he started give me excuses and stop answering my calls and he will only reply via text a month went by and nothing was happening, no houses, no appointments, no calls, I realized he was a scam so I decided to request my money back on XXXX and he kept giving me excuses via text that he will give only {$250.00} because he gave the other {$250.00} to XXXX ( who was the one introducing me to him ) so I said yes I just wanted to recuperate my money or at least  some. I feel I'm not the only one he has done this to. Please help - AMS MORTGAGE and XXXX XXXX is associated with an individual scamming people, misleading. XXXX XXXX should have never provided a pre approval letter to Mr. XXXX furthermore ran my credit without my authorization.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back on XX/XX/XXXX I informed Synerprise that the account that was showing my credit report was not one that I acknowledge or knew of and that I needed all information. On XX/XX/XXXX Sypriseprise wrote back via CFPB portal informing that the account was being deleted from my credit report yet it is still there. However, after further investigation I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs,  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as  possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Exeter Finance Corp.
State: CA
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:
I have tried to complete work out payments with this company due to the Covid 19 and being laid off of work. Exeter Finance has stated they will not work with customers in the state of California, no more than 2 months deferments, even though they are still affected with the Covid 19. I also called to let them know we are in the process of filing for bankruptcy, at first they refused to take the information from me as I am the spouse and not the main account holder. 

This company with the outrageous rates as well as unwillingness to work with not just us many of their customers during this Covid hardship has been stressful and actually predatory collections/ lending. The lack of compassion this company has for it's customers is unbelievable. At the beginning of this Covid outbreak they were refusing to work with customers, and as we continue to see hardship of being out of work, they still continue to state it is their business decision to not assist any further than 2 months regardless of the Covid out break.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Bread Financial Holdings, Inc.
State: TN
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:
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX on behalf of a debt that I owe the company. I had a XXXX XXXX XXXX credit card with them with a limit of {$300.00}. I contacted the company in hopes of setting up a repayment plan but instead I was told that there was nothing they could do because I was in the process of being sued and my check would be garnished. I asked for the collection company that I could contact, the young lady could not give me that information. She told me the only thing I could do was pay the {$700.00} in full or I would be sued. I thanked her for her help and told her to have a good day. I checked my credit report and found that they reported that I was supposed to be paying {$13.00} a month. This option was never offered to me. I want a fair chance to resolve this solution if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection item from my previous apartment that was reported in XX/XX/XXXX. When the collection agency contacted me in XXXX of XXXX, I told them I would pay on XX/XX/XXXX. I sent a check at that time and the funds were removed from my account. 

I noticed that in XXXX of XXXX my credit report still reflected an owed balance. When I called the collection agency they told me that I needed to contact the office that I owed money and then fax them information. 

During the call, however, the representative was extremely rude, talking over me, and using legal jargon such as " on a recorded line, you are saying you are refusing to send proof of payment ''. And that if I refuse, she will be forced to terminate the call. She did not allow me to speak. 

I contacted the office I owe money to, and they called the credit agency and notated the account that we did pay in full. And that they would be mailing the check. This is on XX/XX/XXXX, nearly two months after I paid. 

My complaint is about the collection agency 's unwillingness and berating behavior and refusal to actually collect a debt that I have paid to the original debtor. And the inhuman way of berating me on a phone call by talking over me and not listening to what the situation is. 

The original debtor also never made any action on our check. They did not proactively call the collection agency or deposit the check. They placed it in a safe with a note " do not deposit '' for nearly two months.

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 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of 2018 I noticed 10 checks deposited into my bank account that I did not deposit. The morning it was noticed I immediately reported the fraudulent activity to the bank and was immediately treated as being the person who performed these transactions. I was treated as a suspect everytime I called and not as being a victim of identity theft. Many of the representatives from the company refused to provide me information as to how the checks were deposited and the location of where it was deposited. I was able to find out that this transaction happened in Washington, DC while at the time I was located in XXXX, TX. I was also told that the checks were deposited both through the ATM as well at the teller. My paychecks were being deposited into that checking account and it took 3 months before they release my money to me and subsequently closed my account. They reported me to chexsystems and has made it difficult for me to establish credit and open an account at a credit union. I don't think that they put in the effort to protect me as a customer and investigate fully what happened. To this day I don't know who used my account to commit fraud. The bank has falsely reported me as a risk and has ruined my life as a result. I request that the bank have my name removed from checking account reporting companies and I am requesting that this issue be investigated thoroughly. I am also requesting all bank statements leading up to the cancellation of my account so I can conduct an investiagtion of my own.

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 2021-05-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered merchandise on sale. I was charged full price and tried to get this corrected by phone to an amount 50 % less, as ordered. I had no luck with this correction, so I returned items. After 3 months of trying to resolve this with the company, they still want to charge me {$100.00} for items I returned due to their error and lack of resolution.. They want me to pay for their mistake for {$100.00}. It includes a late fee, a return fee and interest. All that for items that I returned immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: MD
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:
For both my wife and my Closed XXXX equifax credit reporting showing last payment on that closed account on XXXX which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently received notice from my homeowner insurance provider of significant rate increase ( ~40 % ) due to change in credit rating. Ran report and discovered a claim from collection agency ( XXXX XXXX ) related to fraudulent charges ( gas credit card ). Upon being made aware of charges in 2019, our attorney requested evidence of charges. No response was provided. 

What do I need to do to have this fraudulent claim removed from my credit report ( s )? 

Thank you in advance for your help. 

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 explanation