BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was notified by XXXX of a credit collection claim that had been filed against me by Receivable Performance Management ( RPM ) and spoke to a customer service representative. Prior to this point I had not received notice of any type from RPM, or from the company the alleged debt was owed, XXXX XXXX. As I informed the customer service representative, I am a current customer of XXXX XXXX and my account is in good standing. 


After requesting some basic contact information about me the representative informed me that the claim related to a " XXXX XXXX '' for service provided at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL. The service for which the collection was based upon ran from XX/XX/XXXX to XX/XX/XXXX. 

I informed the customer service representative that I had, in fact, resided at the aforementioned address, but that my lease ended and I relocated in XXXX XXXX, prior to the period in question. Additionally, my name is XXXX XXXX, not " XXXX XXXX. '' The representative advised me that they would mark the account as disputed and dispatch a packet to my attention with paperwork to fill out to dispute the claim. 


As of this date, XX/XX/XXXX, I have not yet received any correspondence from RPM. 

I was told by the representative of RPM that the collections claim was filed using my social security number, however, a subsequent call to XXXX XXXX 's fraud department indicated that not to be the case. XXXX XXXX confirmed that I have no claims against my account, nor have I in the past. I am a current customer of their service in good standing. XXXX XXXX further told me that this sounded like an instance of " skip tracing, '' which prior to that date I had not heard of. 

Subsequently I put a 90 day hold on my credit reports and requested a full version of my Equifax report, which revealed the details of the errant claim that was made against me. 

My credit scores dropped over 30 points due to this collection claim, but have since rebounded as it was apparently removed. As I never heard anything from RPM I am concerned as to : 1 ) how/why my credit was incorrectly penalized, and 2 ) whether this erroneous claim has been fully expunged.

I am filing this complaint to notify the CFPB of the skip tracing tactic that was applied to this account, erroneously leading to a collection effort against me, simply because I shared a common name with a person who resided at an address that I left years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing a debt i previously owed with XXXX XXXX. I had set up a payment plan to pay off an outstanding amount with XXXX and kept my promise of making payments but they sent my account to collections even though i was making payments. When my account was transfered to the debt collection agency i explained to them the situation and agreed that if i paid in full over the phone they would remove the information on my report. Since the agreement was favorable to me and since i had already been making payments i immediately paid the debt collection agency only to discover they did not keep their word and remove it. I have tried disputing the item on my credit report with no luck. I recently discovered that i could file a complaint so that is why i am doing so 4 years later. The account was not in collections any longer then a month, i was making payments prior to it being sent to collections to avoid it even being sent to collections and once it was there i paid it as soon as possible because they told me it would be removed. I would like to have this account removed because it was promised to me and it has been 4 years since it has been paid. I understand that credit reporting lasts for 7 years but in this case, it should not have stayed on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting unverified accounts in collections. Accounts have been disputed but Equifax failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX- {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: MA
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 sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from the Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: PNH Worldwide Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Bought a car at XXXX XXXX XXXX XXXX  used car dealership and gave them {$4000.00} down payment and signed the contract and everything and a few weeks later they tell me that the bank denied the loan and that they needed the car which they have possession of now and won't refund me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21
Company: Bay Area Receivables, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX, MD XXXX ) and Bay Area Receivables ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX XXXX and informed them of the mistake. I contacted Bay Area Receivables and informed them error. I filed a dispute with the credit reporting agency XXXX. 

I mailed XXXX XXXX XXXX and Bay Area Receivables certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXX XXXX XXXX nor Bay Area Receivables. XXXX removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX XXXX and Bay Area Receivables followed by another dispute with XXXX. I did not receive a response from any parties, so I contacted XXXX XXXX XXXX via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted XXXX   and filed another complaint. I contacted XXXX XXXX XXXX via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TD BANK US HOLDING COMPANY
State: FL
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:
This XXXX limit my score is over XXXX And my lowest credit limit as with them in my second lowest credit limit as with XXXX XXXX for XXXX my highest one is my black card through XXXX XXXX and they just keep give me a XXXX credit limit should be at least {$20000.00} and I feel like theres discrimination her because I have better credit than my friend and I make over XXXX a year and I have over {$10.00} XXXX in assets and they keep declining me for a legitimate question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had tried to get a modification on our commercial office building. Ocwen dragged the process on for several months. They turned us down with no explanation given. We were charged a Property Evaluation fee on our Statement dated XX/XX/2018 which we paid. We were also charged a " Professional Fee '' of {$51.00} which we've never been charged before. We paid it not realizing it was there. There is also no amount going to principal on the loan. 
This last statement dated XX/XX/2018 has a Past Due Fee and another Expense Payment Fee/Other Charges of {$100.00} of which we have no idea of what it is since we've never been late. I called Ocwen twice. First, about the two amounts. Second, I called back about there being no principal credited to us. 
Also the amount of of our principal is going down each month. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I became aware of unauthorized withdrawals from my reliacard account on XXXX XXXX, XXXX. Called reliacard and explained situation and old card was deactivated. I have made numerous attempts to settle this matter and am not receiving " real '' help, just a run-around. I finally received a new card and can not activate it because of " ID verification '' ''. I have sent what is required to verify 4 times so far. Now they want me to do it again, a fifth time. I'm at wits end and need help with this issue as I am just being played with at this point. I am XXXX and need this money to survive

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 2018-08-14
Company: BANCO POPULAR DE PUERTO RICO
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: Problem with personal statement of dispute

Complaint:
This letter constitutes a formal complaint against Banco Popular de Puerto Rico ( BPPR ) for the unethical procedure in the intent to report inaccurate information on my credit report on all bureaus. Due to the lack of compliance from their part with the Moratorium as offered by the bank after Hurricane Mara in which the three months XXXX, through XXXX would be added at the end of the mortgage and the regular payments would continue on in XX/XX/2018. Moreover, your employee told us that our call was not even necessary because we qualify automatically to benefit from the three months break BPPR was giving. Banco popular has not honored their offer and has ruined my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.

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 explanation
Consumer complaint received 2018-08-14
Company: Advanced Collection Bureau, Inc.
State: PA
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:
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.

After a few months he left the apartment and defaulted on the lease.

Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.

I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.

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 explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed.

Equifax Confirmation # : XXXX Please resolve this manner as soon as possible.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper failed to pay my insurance premium through escrow which caused my policy to be canceled in XX/XX/2022. This caused my insurance company to issue a new policy which is substantially higher than my previous policy. Mr. Cooper refuses to cover the difference although they admit to their mistake. Additionally, Mr. Cooper increased my mortgage payment nearly {$200.00}. I am also pursuing legal counsel with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After going on maturnity leave on XX/XX/18 I fell behind in payments due to no income. Responded to navients offer of forbarance on my loans both private and fedral XX/XX/18 by calling the number they provided was told that all my loans were in forbarance until XX/XX/18 they also at that time cancled my auto ach withdrawal that I had set up for all my loans. I was told all past due amount were taken care of with the forbarance and while I could still make payments I was not required to. I then started to receive collection calls and payment emails starting XX/XX/18 for my private loan that at first it was a scam so called the same number only to find out they had not put my privet loan on forbarance as I was told but had cancled the auto ach payment I had set up and had it reported as 120 days past due and no record of me calling and demanded I pay it in full with no other options even though my federal loans on my account were in forbarance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 Tried to dispute an account with Equifax that is closed and too old to be on my credit report The closed account is with XXXX XXXX XXXX. 

The process to dispute an account with Equifax is quite complicated, for me. 

Type Auto Responsibility Individual Remarks Charged off account.

You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called twice today at XXXX and XXXX. I know this is against fdcpa rules. I have not spoken to them. I have not given permission for them to call my cell phone. They need to contact me by mail only.

Company response to consumer: Closed with non-monetary relief