BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Midwest Recovery Systems
State: TX
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:
On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I open this account approximately a year ago I was told when I opened it that my credit would be evaluated every six months and if I was worthy of a lower interest it would be lowered by Chase. After six months I contacted Chase to ask if my account was evaluated for a lower APR and I was told by a representative that because the Fed had raised the rates several times in the recent past they have not evaluated my account. I called Chase today ( XX/XX/18 ) and spoke with a supervisor and I asked him if my account has been evaluated since it is now been a year and it supposed to be evaluated every six months. I also asked him for which date it was evaluated and what decisions were made about my account. The supervisor named XXXX could provide no date that my account was reviewed nor could he give me any answers about why my rate is staying the same and not going down. I recently read an article From a case your agency just settled with XXXX XXXX and I believe that Chase is also violating the truth in lending act by failing to reevaluate and lower APRs therefore causing the consumer to pay higher rates. I would like someone to look into this please. I understand that a reevaluation of my account does not mean I automatically get a lower APR however my credit score ( high 700s low 800s depending on which credit bureau is viewed ) has went up considerably since I open this card and I have payed down debt. It would seem to me that I am worthy of a lower rate and Chase should have lowered it already on their own as they state they reevaluate account every six months but can not prove this. Essentially the supervisor told me that I just have to trust that he is telling me the account has reviewed every six months but he could not provide me with any dates or decisions made about my account based on the supposed evaluations. The lowest rate on this card when I spoke to the supervisor today is 17.49 % and the high is 29.74 %. I am currently at a 24.74 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I keep trying to pay my bill online but PayPal refused to help me fix my account issue I try to pay using my checking account that I have always used for the last 10 years but since COVID started Im not able to make any payments unless I call which is incredibly frustrating and is illegal. I will make my accounts current if they allow me to pay online not call it in wasting loads of my time. I have waited 2 hours just to make a payment because they cant fix the issue and keep passing the bucket this making it hard for me to make my payments on time I have a XXXX XXXXXXXX and this is causing lot of stress. Please see that this is fixed Im truly having a hard time its been going on for a year now please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Oklahoma Student Loan Authority
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Student loan under DPT ED/OSLA - account open. Balance {$3400.00}, highest balance {$2700.00}. Date of last payment : XX/XX/XXXX. Opened XX/XX/XXXX. Last reported XX/XX/XXXX. I have never taken out a student loan and this is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS continues to send people to my home with unsolicited information. I've asked them ( via email ), to STOP this behavior because of my illness, and it makes me extremely PARANOID when folks come to my home without an invitation. 

Complaint XXXX - was sent on this forum on XX/XX/2018 requesting that they be notified that Trespassing on my  property is considered unlawful and dangerous to all involved. At this time, I feel the FBI should be contacted, because I'm in fear for the Safety of my family and myself. 

They went to the neighbor 's house and told them that, I was late on my mortgage ; therefore, they were needing to take pictures from the neighbor 's yard. I'm not sure what can be done, but I owe SLS NOTHING!! and I can't help but feel that, this is not something a company should practice. Scare tactics never have a positive ending. I can't even open my Blinds, because I fell that someone is always outside my window. PLEASE HELP!!! SHOULD I REPORT THIS TO THE FBI?

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 2020-08-24
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I mailed a request to validate letter to the collector, HEALTHCARE COLLECTION INC, with certified mail receipt. They had until XX/XX/2020 to reply within the 30 days. I did not receive any response from the collector and therefore submitted a dispute with the three credit bureaus for investigation. Some bureaus deleted the collection due to lack of validation, but others said the collection was verified by the collector. 

To date, I still have not received any validation of the collection debt and am therefore not able to confirm this is in fact my debt to pay. 

The collector, HEALTHCARE COLLECTION INC, has reported two collections on my credit report, neither has been validation. 

Due to the lack of validation, I believe the collections should be removed from my credit report.

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 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Certegy Holdings, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Tried to write a check for groceries at XXXX XXXX for {$68.00}. The transaction was denied by Certergy Check Services ; a check verification service, without cause. On multiple attempts to find out why, the agents of Certegry, via phone provide no useful help or information. The date of the incident was XX/XX/2019. The location was XXXX XXXX XXXX, XXXX Colorado. I have shopped at this store for 10 tears and other branch stores for 40 years and have never had a problem. I have no history for financial problems and the account is valid and at least 20 years of active use with a positive balance and overwrite protection that has never been used.

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 2020-08-24
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: Information belongs to someone else

Complaint:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COurt of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. 
No. XXXX ). 

They refuse to correct information after being provided proof of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Ewing & Ewing Attorneys, P.C.
State: AZ
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:
I have been dealing with XXXX XXXX XXXX and their representatives, Ewing & Ewing for over 7 years on a debt they purchased for pennies on the dollar. InXX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from Ewing & Ewing proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX, as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Midwest Recovery Systems
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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: NV
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:
I wanted to get this inquiry remove off my credit report

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 2020-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
I wanted to get this inquiry remove off my credit report

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 2021-01-21
Company: INTERFIRST MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I never went through with opening an account with Interfirst Mortgage. Now they are sending me spam email with multiple links supposedly to helpful articles. I did not click on any since I never signed up for emails with Interfirst Mortgage, nor do I have any accounts with them. 
I have attempted to block the spam and hope it will not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with US Bank. For many months I have receive my mortgage bill in the same month that it is due and several days after it is due i.e. for XX/XX/2020, my payment was due on XX/XX/XXXX, and I received a bill that says statement date XX/XX/2020, scheduled due date XX/XX/2020. I received this bill on XX/XX/2020. As I understand it, I should be receiving this bill for XX/XX/2020 because the periodic statement rule states that I should be sent a statement within four days after the end of the courtesy period of the previous billing cycle which is XX/XX/2020. This also makes the mortgage information on my statement not correct and up to date. I was made to pay a higher interest rate when I got this loan for a paper statement so that I would have this information in black and white. 
I have talked with the mortgage billing department many times and have been given many reasons, excuses why they can't send me a bill for the upcoming month. They used to for many years, now they can't seem to do it. 

Thank you for your help 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 explanation
Consumer complaint received 2021-04-24
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a timeshare membership through XXXX XXXX. They sent my maintenance fee bill to an address not used in 15 years, although having my correct address on file. 

It was then sent to Monterey Financial Services to collect on the debt. I received no notification in writing that this money was due or in collections from XXXX or Monterey Financial Services. 
I did receive an email and I quickly followed up with a phone call to XXXX XXXX - XXXX, ext XXXX. No answer. I left him a voicemail asking what this was about and asked for a call back. I never received one call back from them. 

In XXXX of XXXX I called Monterey Financial back and spoke to a general call center rep who took my payment, along with late fees for the amount of {$730.00} for account XXXX. To date ( XX/XX/XXXX ) I still have not received proof of payment/receipt via mail or email. I have called and emailed Monterey Financial with no response. 

My credit has been negatively impacted, showing a collections although the amount has been paid, and furthermore, my over 20 year old membership with XXXX is still " on hold '', and has not received my payment from Monterey Financial. I have paid but it is not reflected in my credit nor with XXXX. 
Please help. Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to a new servicing company, PNC. I had been paying an additional principle payment each month in addition to my mortgage. I called PNC as soon as the mortgage was transferred and requested that no additional principle payment be debited from my account. I was asked to complete forms to indicate the change and I did. I called back and confirmed that only the mortgage payment would be debited from my account but the bank withdrew additional funds. I called again and requested that the bank cease withdrawing additional funds from my account, only my monthly mortgage payment ( the amount due, nothing else ). The bank told me to complete more forms. I have done that. I was told that there would be no additional withdrawal amount and yet the amount schedule is larger than my mortgage payment. I have contacted PNC multiple times to remedy the situation and they have not made any changes to the automatic withdrawal. Again, I have completed multiple forms and made multiple requests but there has been no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Lending Club Corp
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief