BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint # XXXX previously and the complaint was closed because Continental Collection Agency lied and said my insurance company was billed and they denied the service stating I was responsible for the amount owed, and the complaint was a dispute of debt and not appropriate for CFPB. I maintained from the start I did not owe the debt, my insurance was never billed, and this was a mistake on someone's part. I received a copy of the denial from the insurance company and plain as day it states Claim not covered by this payer. The wrong insurance company was billed by XXXX XXXX back in XX/XX/2015. I was finally after many attempts and several notices later from Continental Credit Control able to reach someone at XXXX XXXX to explain they billed the wrong insurance. Continental Credit Control refused to talk to XXXX XXXX about this to verify the debt. Once I was able to get XXXX XXXX  to respond I was pulled out of collections, my insurance was billed, and today I received a check from XXXX XXXX for {$24.00} because I was over charged for my co payment for this date of service. As I explained in one of my complaints to CFPB, I have industry experience and had been in contact with my insurance and was clear I knew what I was talking about. I was getting no cooperation or willingness to try and understand from Continental Credit Control. XXXX XXXX would not return my call. I know Continental Credit Control probably paid a flat fee for a bucket of uncollected claims from XXXX XXXX. Some valid collection cases and some not. It doesn't give them the right to lie when you ( CFPB ) send a complaint to them, or to categorize complaints incorrectly to justify them, or to try and bully people into paying money they might not owe so they can recover their investment for the debt they bought. Attached is a copy of my correct insurance card that XXXX XXXX had from the start, along with copies of all the statements I continued to receive from Continental Credit Control, the insurance denial showing the claim was denied as not covered by this payer so you can see the Continental Credit Control Rep lied in a previous complaint response stating the insurance denied the service as the patients responsibility, and a copy of my refund check once by insurance was billed correctly by XXXX XXXX. Maybe in the future complaints CFPB can require credit agencies to show proof of what they're stating in their response.

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 2018-09-06
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX around XXXX I drove through a drive-Thru atm and deposited {$220.00} ( 1- {$100.00} and 6- {$20.00} bills ) When asked if I would like a receipt I said no and drove off and even left my debit card behind which the bank contacted me about a few days later. Once I got home I checked my balance and to my surprise my cash deposit was not posted to my account. Ive never had any issues making a cash deposit on the atm which is why I didnt bother with a receipt but clearly its not the case anymore. I contacted the bank right away and they opened up a case and concluded they will not crediting my account with MY MONEY I deposited. I spoke to XXXX a telephone banker at US Bank on XX/XX/XXXX at XXXX and she told me she can reopen the claim or reach out to another department via email to find out why the investigation was closed without a credit. Its now XX/XX/XXXXand Ive yet to hear from XXXX  or US Bank about the {$220.00} cash deposit I deposited at the ATM. Please any help would be much appreciated.

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 2022-01-06
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLLECTION RECEIVABLES I HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX  & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX Bank and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



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 2018-09-06
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: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to Equifax last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX XXXX developed one credit model called " XXXX '',  XXXX  developed the " XXXX '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : XXXX XXXX Lack of substantial credit history - XXXX Recently opened auto loan account or no auto loan on report - XXXX XXXX XXXX Age is XXXX and average number of months trades on file is 120 Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. XXXX Months since most recent credit card opened is 25 to 36. XXXX None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX What if

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: AES/PHEAA
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Spring Oaks Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring oaks Capitol l is reporting to the credit bureaus stating I have a debit in the amount of XXXX with them. They have sent me emails with claims this debit was sold to them from XXXX XXXX. I don't have debit with and they're falsely reporting a debit in my credit report. I have disputed this several including a current dispute in process with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Conserve is violating my FCRA rights, by reporting things on my credit dumping my score tremendously, i paid XXXX  XXXX XXXX because they state to me that they were not paid so i paid the school directly on XX/XX/2018 Vice President XXXX XXXX of XXXX XXXX XXXX call me and told me that he had some great news for me that he contacted Conserve and advised them to stop reporting on my credit and return all files that they had for me and apparently they wont comply because XXXX   advised me that they reported on my credit today after the Vice President of XXXX XXXX XXXX advised them to not report on my credit anymore and to send my file back to they office ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: National Enterprise Systems, 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: Account status incorrect

Complaint:
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX  XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: GA
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 have sent multiple disputes to transunion for reporting a XXXX XXXX credit card that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX I received a call on my cell phone from XXXX ( XXXX XXXX ). It was marked SPAM and I ignored the call. At around XXXX XXXX EST, a collector named XXXX XXXX ( sp? ) from XXXX XXXX called my XXXXyear-old son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from Crown Asset Mgt., LLC who had acquired it from XXXX for XXXX . 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. USPS tracking # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX XXXX EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' Crown Asset Mgt. and then to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Waypoint Resource Group, LLC
State: MN
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 XXXX year old daughter opened an account ( cable, internet and  home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from Waypoint Resources Group LLC  # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XXXX  and XXXX. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a manager called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with XXXX  and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. XXXX could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, XXXX  would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like XXXX isnt verifying evidence but has an interest in these collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX has significantly undercounted my repayments made under the Public Service Loan Forgiveness program. They have also mishandled the Income Based Repayment ( IBR ) process, forcing me into forbearance against my will. According to XXXX  it takes 7-10 business days to process the IBR paperwork but up to 1-2 billing cycles to apply it to my account. That's a ridiculous time lag and is forcing me into a forbearance program when there's no need for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Unlawful Foreclosure. Unlawful Foreclosure. I have submitted a full and complete loan modification application to XXXX and as of XX/XX/2019 with the debt collector XXXX. As of this date, we have received nothing but a deceptive response from both XXXX and XXXX and no accurate status regarding our request for the loan modification Our home is currently in active foreclosure with the sale date scheduled for XX/XX/2019. Therefore ; pursuant to California 's Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to my loan modification application and legally wait for at least 45 days from the date of receiving a denial for the homeowner to respond to the denial. Active foreclosure sale date scheduled for XX/XX/2019 must be canceled immediately.

Company response to consumer: Closed with explanation