BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and 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 non-monetary relief
Consumer complaint received 2021-05-27
Company: Key 2 Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter in the mail informing me of the debt collection from Key 2 Recovery for a little over {$7000.00}. After speaking with them initially, I told them that I could only pay a small amount due to only being part time. I also asked them on the initial call that I did not want them calling my job, since we are not allowed to take personal calls. 

The second time I spoke with someone, they were very rude and not understanding of my current financial situation. The woman I spoke with then asked for my work information ( name, phone number, etc ) and I refused to disclose that information and again told them that I did not want them calling my job. 

On XX/XX/2021 at XXXX, they called my job. I answered the phone and told them that I have told them twice to not call my job. I then went and called the company again from my personal phone and spoke with someone who then said that it just now said to not call while I was at work and the number was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refianced mortgage via home equity loan with XXXX XXXX Bank, took possession of loan XX/XX/XXXX for {$130000.00} and sent closing documents/payoff to Santander with XXXX receipt via tracking XX/XX/XXXX for {$130000.00} payment amount. Santander took payment from me XXXX {$1100.00} and refused to acknowledge receipt of closing package until multiple calls to them and emails sent to them including to national customer service dept beginning XX/XX/XXXX. Santander closed out mortgage paid in full as of XX/XX/XXXX and is now saying after nearly 90 days of research that the payment date can not be changed to XX/XX/XXXX paid in full as the " payoff was sent one month after the quote expiration date. The amount sent would have been insufficient without the XXXX payment ''. No one at Santander can provide me with this date upon request but XXXX provided me with the Santander document for the XX/XX/XXXX pay off. Note-the payoff amount ( physical check from XXXX to Santander ) was written out for the XX/XX/XXXX pay off amount Santander gave and Santander refuses to acknowledge $ amount of the physical check received. I paid two banks in XXXX for the same mortgage as two banks were servicing it, XXXX via the refinance and Santander via the original loan as they refused to acknowledge the closing packet was received by their branch the month prior. They refuse to fix the situation or give me any further information and I am out over XXXX due to this.

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 2021-02-02
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX  XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Mr. Cooper Group Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX  IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. XXXX MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Porsche Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Auto loan was paid in full due to the manufacturer ( XXXX ) buying my vehicle back due to electrical issues, i received a notice today XX/XX/21 that i now have a 30 day late posted to all three of my credit reports, called Porsche financial and was told this was due in error and should NOT have been issued a 30 day late and would submit a deletion but would not give me a confirmation of this deletion request. 

Account # XXXX The action from Porsche financial has severely impacted my credit scores in a negative way and should be treated with the utmost of importance to rectify their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt from a collection company called PROCOLLECT for the amount of {$2900.00} from a previous apartment that was MY MOTHERS and under MY MOTHERS name. These apartments are called XXXX XXXX XXXX. My mother was the only one on the lease, I did not sign the lease, I wasn't even a resident of these apartments. I tried calling the apartment complex to get them to send me a copy of the lease in order to prove that this debt is not mine. However, the apartments say that they got rid of the contract. I tried reaching out to PROCOLLECT and even wrote them a letter for the 30 day dispute ; they just hang up. They say it does not matter and I have to pay or else they will -threaten to do something else-. There is no way to communicate with them and make them investigate this claim. I do not think it's fair that this is affecting my credit score, showing up, and they are making me pay a debt that is clearly not mine. I am a student, I can't afford to be paying off this kind of debt that does not belong to me. And that is negatively affecting my future. I need someone to make the agency at least investigate the debt, in order to confirm that it's not a debt under my name. Something they are not willing to do.

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 2021-11-05
Company: CARD Corporation
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I did attempt to do 2 transaction through XXXX XXXX in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on Card.com due to these transactions being canceled and never credited back to my account. XXXX stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. Card.com processes and sent funds somewhere. So I would like to request that both parties Card.com and XXXX XXXX provide complete documentation of the transactions that was provide proof of the successful trans action that XXXX XXXX canceled and stated that did cancel out and money never was received. XXXX XXXX should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much stress and the reps have no care in the world bout it. I submitted the proof of canceled transactions XXXX sent t o advise me that the transaction did not go through. And that was not enough but Card.com could see that Money for each transaction was successfully removed from my account but XXXX XXXX stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. Card.com gave a credit and then reverse it it taken XXXX and XXXX and my deposit in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: Direct Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A XXXX XXXX left voice mail threating collection action for non-exsistent debt. A call back indicated debt was of a XXXX XXXX ( Sp unknown ) Call back indicated company was Direct Recovery Services.  Note we do not have any idea who this XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have contacted all three Credit Bureaus/Agencies ( XXXX TransUnion ) and the Creditor ( DEPT ED/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-11-05
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone did a mobile deposit of XXXX on XX/XX/XXXX into my and my sons joint checking account. My son called bank to inform them this was not right. The check got returned due to being drawn on a fictitious account. In the meantime we got charged XXXX fee for depositing a bad check that neither one of us did. Now his account is frozen. They will not give me the # of the mobile phone that did this nor the IP address it was done from, They will not refund the XXXX. 

The check was made payable to my son from some lady in XXXX NM, Check was not endorsed by my son, check was signed with a different name than whats on the account. I tried to contact this lady, but did not have any success with her home or work numbers I located online. I feel this is wrong to charge my account a fee for a scam check that was not deposited by myself, my son or anyone we know. They will not give me the information of where this deposit initiated from. How unfair for an honest person to be treated like a scammer and a liar. If you should need copy of this scam check or any other information please reach out to me. I have contacted local branch, they said they would get back to me and never did. I then called the XXXX # and still could not get any answers.

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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The personal information on my report is fraudulent

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 2020-05-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020 @ XXXX XXXX XXXX at Debt Recovery Solutions did not disclose relevant information regarding settling my debt at a lower amount until after payment had been submitted. Had the relevant information been shared at the appropriate time I would have had the opportunity to completely clear this debt but because they did not, this will now stay on my credit for the next 7 years. I would have gladly worked with them in order to get this fully pulled off of my credit but was not given that opportunity. The full amount to be paid was {$470.00} and was settled at {$160.00}. 

When XXXX said that it would be reported as paid at a settled amount I asked him what that meant and he refused to provide any sort of help or information as to how that would affect me. He then pushed to get off of the phone as soon as possible, not giving my an opportunity to understand what he did. It wasn't until I called XXXX that I was able to understand what had even transpired on that call. I didn't get full information or even an opportunity to receive full information. When I asked for a more thorough explanation they refused to provide one. 

I have attached the full conversation recorded with XXXX 's permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company iims trying to tell me I owe the XXXX bucks i never opened a card never had a credit card they won't take it off collections this is a total scam I never used a card. Why can they do anything they want and ruin my life this is not the America I fought for this is pure dictatorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Mr. Cooper Group Inc.
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sold and closed on my home. The mortgage for the home was paid in full as part of the closing. Nationstar Mortgage ( aka Mr. Cooper ) reported the account closed on my credit report on XX/XX/XXXX, and reported it as being included in my bankruptcy. While I filed for Chapter XXXX in XXXX, and it was discharged in XXXX, I filed and have a legally signed reaffirmation agreement. I continued to pay, on time, on this loan for over 5 years. On XX/XX/XXXX, the account was closed, and paid in full, as a result of a sale. Never once was this included in the bankruptcy or was it affected by the bankruptcy, and to report that it was, which is having a negative impact on my credit and ability to secure credit, is fraudulent, and and creating an adverse affect on my ability to secure financing. 

Nationstar ( aka Mr. Cooper ) needs to correct this reporting immediately, and assure that they remove any bankruptcy reporting from this loan, and they need to show the loan was closed in good standing. This needs to be done immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. 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 2019-11-15
Company: CORELOGIC 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: Personal information incorrect

Complaint:
This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XX/XX/XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX , OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.

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