BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: Client Services, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX  concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from 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 2018-10-20
Company: Manhattan Beach Venture, LLC
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
TO : Department of Education RE : 2nd Round Dispute XXXX Grants XXXX XXXX Date : XX/XX/XXXX After raising XXXX kids, working in the XXXX  and XXXX XXXX, I decided to work on my goal of getting a college degree. I pursued a degree in XXXX and currently work as a XXXX in a XXXX XXXX in Idaho. I financed my education through XXXX grants and student loans. In XX/XX/XXXX, I received {$3500.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In total I received {$7500.00} in XXXX grants. I graduated   from XXXX XXXXXXXX University on XX/XX/XXXX. 
To receive the grants, I participated in the XXXX XXXX XXXX. I read and signed the service obligation agreement. Part 2 of the service obligation states that, I must confirm to my XXXX grant servicer in writing within 120 days after I have completed or otherwise ceased to be enrolled in a program for which I received a XXXX grant that 1. I am employed as a full time XXXX in accordance with the terms and conditions. 
2. I am not yet employed as a full time XXXX, but I intend to meet the terms and conditions of my service obligation as described above in item 1 of this section.

Also, every year requires an annual certification form signed by the school administrator. 
My official graduation date was XX/XX/XXXX. The date to certify should have been XX/XX/XXXX ( 120 days after graduation ). However, somehow the certification date was changed to XX/XX/XXXX. Also, the annual certification date should have been XX/XX/XXXX. On XXXX XXXX XXXX, my XXXX  grants were converted to loans. I questioned this conversion, the timing of it, and wrote a 1st round dispute requesting the newly converted loans be returned to XXXX grants. This request was denied. 
I am requesting a second time that the {$7500.00} in XXXX grants plus interest that was converted to loans be returned to the XXXX  grant status.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party ( CMRE ). I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' XXXX XXXX, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with USAA. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from XXXX. I have attached also most recent Consumer Loan Statement, from USAA, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked USAA to remove my name from loan, and it was refused. 

I ask that USAA make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE XXXX LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My name is XXXX XXXX and I am continually being harassed by the " Student Help Center '' associated with the Department of Education on my " student loans ''. I do not have/nor did I obtain student loans in connection with my college studies. The callers have been indicating they're associated with Navient. 

The calls are typically placed from XXXX and are associated with my work phone ( XXXX ). I've placed my number on the do not call registry and have continually requested to be removed from this call log, which has not happened for over six months. 

Let me know if you have any questions, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CNG HOLDINGS INC
State: OH
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:
As stated previously in a feedback this lender cant validate I own the debt. They are using a third party to report a fraudulent debt I demand to see valid proof of this debt or stop reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX 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 2019-06-13
Company: Convergent Resources, 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: Problem with personal statement of dispute

Complaint:
On XXXX-19 a paid Settlement was paid to Convergent Outsourcing. Convergent did update all three Credit Bureaus, nevertheless the item was not completely deleted from my Credit Report. They advised me the I would need to contact XXXX. I've contacted XXXX as of XXXX-19 and they too have forwarded me back over to Convergent for the deletion. I called Convergent again today on XXXX-19, they advised XXXX needs to give me a written letter in order for them too removed this the said item from all three Credit Bureaus.

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 2018-10-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am attempting to get my credit fixed and have contacted the three credit reporting agencies about two accounts that do not appear to be legitimate. I just received the results back today from XXXX stating that the two collection accounts are accurate. 

When I explained that they could not be accurate because of the dates both accounts were opened, the XXXX contact told me the company, XXXX XXXX, assured them in a certified response. 

When I asked for a copy since it was obvious XXXX wasn't going to actually make XXXX XXXX prove I opened an account with them, the XXXX contact told me XXXX XXXX is not required to give them any proof of the account! 

I asked to speak to a supervisor at XXXX, but after a long hold, I was told there were no supervisors available and they would have to call me back ; that was several hours ago and no call as yet! 

It does not appear that disputing an account on your credit report does any more than cause the CRA to contact the company and asking them if the account is valid and if they say it is, XXXX   takes their word for it. 

I want proof that this company has something to show that I owe them money. I don't ever remember dealing with a XXXX XXXX. AND I KNOW FOR SURE, I HAVE NOT TAKEN AN ACCOUNT OUT WITH THEM OR ANY ONE ELSE IN XX/XX/XXXX OR XX/XX/XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Mr. Cooper Group Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a " Notice under the fair debt collections practices act '' from a debt collector. I disputed the debt within 30 days as required. According to the " Fair Debt Collections Practices Act '', if the debt was disputed, a debt collector may not continue with collections until the debt has been verified and mailed to me. This debt collector however continued with collections before mailing the required information to me. This abusive debt collecting procedures is against the law and consumers should be protected against these malicious acts of debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
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:
XXXX XXXX / Experian I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

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 2019-05-22
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:
Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX   XXXX, Dpt of edXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: FL
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 viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my Experian credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and Experian disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my Experian file.

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 2019-01-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}

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 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX is showing up on my Transunion Credit Report. When I try to call the phone number I found through a XXXX search, the number came back is not in service. I do not have any other information on this company. I have no idea how they got my information to pull credit. I have never done business with this company and never authorized them to run my credit for any reason.

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 2018-10-20
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Synergetic Communication Inc
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There has been an invasion of my individual privacy pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 by the debt collection company Synergetic Communication Inc. Congress states and has declared abusive debt collection practices contribute to an invasion of individual privacy. The debt collection company Synergetic Communications Inc, has violated the following list of federally protected consumer rights : Pursuant to 15 U.S. Code 1692b ( 1 ), Synergetic Communication , Inc. requested my location information without direct permission instead of confirming and refused to identify themselves.

Pursuant to 15 U.S. Code 1692b ( 2 ), Synergetic Communication , Inc. stated that I owed debt.

Pursuant to 15 U.S. Code 1692b ( 3 ), Synergetic Communication , Inc. attempted to communicate using my location information several times resulting in harassment without direct request.

Pursuant to 15 U.S. Code 1692b ( 4 ), Synergetic Communication , Inc. communicated to me by post card using my location information without direct request.

Pursuant to 15 U.S. Code 1692b ( 5 ), Synergetic Communication , Inc. used several envelopes with their language, symbol, and contents of mail stating the collection of a debt without direct permission.

Synergetic Communication , Inc. did not have my direct permission or consent to contact me pursuant to 15 U.S. Code 1692c ( a ).

Synergetic Communication, Inc. inconveniently contacted me several times throughout the day pursuant to 15 U.S. Code 1692c ( a ).

Pursuant to 15 U.S. Code 1692d ( 4 ) Synergetic Communication , Inc. continued to call and make threats of repossession, which is obscene language and harassment.

Pursuant to 15 U.S. Code 1692d ( 5 ) Synergetic Communication , Inc. made my phone ring repeatedly and at inconvenient times without direct permission.

Pursuant to 15 U.S. Code 1692e ( 2 ), Synergetic Communication , Inc. gave a false representation of the character and amount.

Pursuant to 15 U.S. Code 1692e ( 7 ), Synergetic Communication , Inc. implicated that I committed a crime, as a consumer.

Pursuant to 15 U.S. Code 1692e ( 10 ), Synergetic Communication , Inc. used deceptive means to obtain information.

Pursuant to 15 U.S. Code 1692j ( a ), Synergetic Communication , Inc. furnished a deceptive form and is liable pursuant to 15 U.S. Code 1692j ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I mailed Mortgage payment On Thursday XX/XX/XXXX and Used the United States certified express mail with a signed return receipt. I still do not see my payment posted to my account. The I called PHH because XXXX switched their name and it's the same horrible service, I am sitting on hold for 30 Minutes to be told by Operator number XXXX who has no first name that PHH will be doing a trace to see who cashed my payments. Then after this wait I was told that the escalation team will return my call. I asked the young lady again for her first name and she replied it " XXXX ''. Not sure if that's accurate but look at my first payment. This is crazy. I don't see anything on my account.

Company response to consumer: Closed with explanation