BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Innovis
State: IN
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:
ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: ENCORE CAPITAL GROUP INC.
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:
On XX/XX/2018 I mailed a letter of validation to XXXX XXXX. The letter was sent via US Postal service certified mail which was received by Midland on XX/XX/2018. XXXX XXXX has NOT validated the said debt as of today. The only letters I am receiving from Midland are the ones attached to this complaint. I would like these items immediately removed from all three credit bureaus as it is damaging my credit. By law of the Fair Credit Reporting Act, they must be removed due to the 30 day notice that was sent to Midland and the company could not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CL Holdings LLC
State: SC
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:
Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be. 

I want them to delete their tradeline from all three of my credit reports immediately. 

This account is closed and should not be reporting anymore. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX resurgent capital services XXXX XXXX XXXX XXXX sold account to XXXX XXXX, Resurgent Capital Services. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no Resurgent Capital Services the situation on three separate correspondences.

I am collection proof. I am XXXX/XXXX/XXXX. My husband passed away in XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Home Loan Center, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Lending tree pops up while you are looking at used cars You click on their link ... 
They offer you low APR with soft credit pull .... 
They send you to another place such as XXXX .... 
" For 6 % APR click here to confirm '' ... 
they DENY the loan -- -- -- BUT here 's the thing! Your cell phone then gets dozens of texts from unrelated businesses such as insurance, discount cards, credit cards, restaurants, jeep sales, dog food, Bobleheads, and on - and on - and on .... 

They get you to submit your info in hopes of a loan ( a loan they never intend to give you XXXX and then they sell your personal info to 1000s of othet unrelated businesses ... Scum!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a loan sold to Specialized Loan Servives. For over a year they have had difficulty providing loan information thru their web portal. At times their reps can't see imformation on a loan. What's worse, they never call back. Their system of customer service is failing when customers can't get basic information on their loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I received notification from the 3 credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XX/XX/XXXX. I requested for balance loan to be updated with the 3 credit bureaus and was  denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I received a Notice of Collection from Penn Credit Corp on behalf of Florida XXXX XXXX XXXX, requesting a balance due of {$270.00}. 

After reading the letter, I called the 1-800 number provided. I spoke to a representative and I explained that I was not a resident of XXXX XXXX during the period in question. Furthermore, I explained that during the period in question, I was a residing in XXXX XXXX and that I had not established the alleged XXXX account. 

The representative instructed me to provide the entity via E-mail ( XXXX ) with a copy of an Electric Bill with the company I had an Account during the period in question ; as well as other documentation which proved my place of residence during the period in question, in order for the entity to review it. 

The representative also noted that, once Penn Credit reviewed the documents which proved that, I was a resident of XXXX XXXX during the period in question, this matter would be cleared with their Client ( XXXX XXXX and I would be exonerated from the alledged XXXX Account debt. 

Immediately after I spoke to the representative, I E-mailed all requested documentation which clearly demonstrated that I resided in XXXX XXXX and not XXXX during the period in question. 

I provided Penn Credit Corp with enough time to review all documents provided but no one from Penn Credit called back to provide me with a resolution. Therefore, I called today XXXX   XX/XX/2018. 

During the call, I explained to the representative who responded the reason why I was calling ; after my explanation she requested a moment to review the notes on the Account and after reviewing them she stated that, in order to get this matter cleared with the Client ( XXXX ), I would need to show proof of a final payment for the Balance due. 

I told her that, the point of me providing the XXXX XXXX XXXX with documentation that demonstrated I was not a XXXX resident during the period in question was in order to make sure that I'm not held responsible for the payment of the alleged amount due. In addition, I noted that I did not establish the XXXX account during the period in question, therefore I'm not responsible for the outstanding balance. 

Despite this the representative stated that, the only way I could get this matter cleared with their client ( XXXX ) would be paying the alleged balance due. 

Penn Credit Corp has failed to give me required notices and/or disclosures e.g. written validation notice, including the consumer rights under the federal Fair Debt Collection Practices Act. In addition, the Entity is now harassing me, and trying to collect the balance due, even after I have provided evidence as per instructed by the representative from your facility on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I don't have exact dates but I the past when I tried calling or answering the phone calls to try and pay for my all my loans I was told no. I could only pay a certain amount or they put me in forbearance. For my federal loans currently " FINALLY '' for the past few years I am on an income based payment plan but after all this time I now owe XXXX and XXXX for my private. They used to call and harass me to the point of tears asking me if I could borrow from other people. I asked over and over if I could make small payments and was told no. I currently pay XXXX for my federal and know I will not pay it off anytime soon. As far as my private I know I am XXXX!!! I will never be able to fix that now! I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. I XXXX 2007 with a XXXX XXXX. I see that school isn't even on your list. I'm currently a XXXX a XXXX  there is no way I will ever be out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was taken to XXXX XXXX Hospital ER seen by the ER doctors who admitted me. Upon arrival, registration came to my room to assure they had the proper insurance information/address on file, scanned in my insurance card, and my drivers license. My XXXX Insurance is covered by XXXX XXXX XXXX XXXX XXXX through my retirement company, XXXX. My drivers license had the correct address XXXX, OH. The hospital billed XXXX XXXX XXXX XXXX XXXX for the date of serviceXX/XX/XXXX-XX/XX/XXXX ; and received payment in full. My insurance card/license both were scanned in the ER Room by the hospital registration. I never received any bills at my address, never received any phone calls until XX/XX/2018, when I got a call from XXXX XXXX XXXX XXXX telling me that the XXXX Hospital ER Doctors sent me to collections for {$1100.00}. I told XXXX in collections, I have insurance, my insurance will pay all of that bill, & my insurance card/drivers license with my address were scanned in the ER room upon arrival. It was discovered after our in depth discussion XXXX billing for ER doctors errored, they never billed my insurance company, & had a non existent address on file for me that I have not resided at in over 3 years. Since the ER doctors work in the ER room at the XXXX Hospital, & they scanned my health insurance card/drivers license with all the right info for payment to be processed there was no reason for them to not have billed my insurance carrier. XXXX told me she will try to put the bill through to my ins but if they don't pay it due to the time lapsed for billing I am going to be liable for this bill. I called XXXX billing spoke to XXXX, she stated they billed XXXX XXXX directly, & it was rejected by XXXX they stated I had other health insurance coverage. I told her my XXXX coverage is under XXXX XXXX XXXX XXXX XXXX & that card was scanned in the ER at XXXX Hospital XX/XX/18. She stated they sent a notice to XXXX MI where I have not resided in over 3 years. I told her XXXX Hospital has my accurate address they scanned my license/insurance on XX/XX/18. She stated there was nothing they could do its in collections its up to them to get payment from insurance, or me to avoid it going on my credit report. I called XXXX Hospital Billing supervisor who told me this is error of XXXX Billing for the ER doctors at XXXX Hospital for failure to use the accurate insurance information/address that they have on file which was scanned in XX/XX/18 in the ER Room.I called my ins company to see if XXXX billed them for XX/XX/18 they stated they did not. I was told to contact XXXX billing tell them to send the bill to them with explanation they billed XXXX directly. I called again, talked to XXXX, she stated they wont rebill anything the collection agency has to, it is up to me to work with them to prevent the unpaid bill going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2006 I moved out of XXXX and moved to XXXX  ever since. Portfolio recovery LLC has been calling me non stop every week 2-4 times a week from different numbers harassing me over a debt occurred over a decade ago. Ive told them there is no way Im paying it, its too old and its not even on my credit report leave me Alone. Thats was over a year ago. They are calling from random out of state numbers and I block the number. They repeated phone calls started about 4 years ago every week 2-4 times a week while Im at work while Im in meetings taking a even on the weekends. Please stop these harassing tactics and let this single parent, XXXX veteran, struggling to meet ends meet living paycheck to paycheck with out any child support, live in peace. I have already cleared my name and all my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: NCC Business Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX   with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX  breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. 

In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX   XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. 
I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation