BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive these phone calls for an account of XXXX. Have received for several years using my cell phone number, which I have owned for 20 years. I have asked repeatedly for them to delete and to notify the debtor that the number does not belong to this party. I am told that the number has been deleted but constantly get phone calls. I took the action to the Attorney General 's office in MO from an agency in MO. The agency admitted that they had contacted me several times. The calls have stop there. However, I keep getting these calls from a particular company out of TX and have for years. I have been assured many times that the number has been deleted. Today, I received another. It is time for this harassment to stop and never call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We moved in XXXX from XXXX  to XXXX  & changed address, changed phone numbers and changed bank accounts. I had a payment set to go through but since the address changed it did not go through. I didnt recieve any information that my account past due or that the payment did not go through from my old bank. There are multiple things that are incorrect from Alaska Advantage Stident Loan Program. 1 is I make one payment but when they reported a late it shows up for 5 accounts. This is predatory practice. Another is that student loans stay on reportd FOREVER which should be a crime. I've had perfect history for the past 8+ years with them and then this incident which was accidental trashes my credit. It brought my score from a XXXX to a XXXX and I pay my Bill 's on time and plan on buying another home in the near future. Another things they dont XXXX report 30 day late which if that would have occurred maybe I would have seen the error earlier. They do that on purpose because I'd they can CHOOSE to not report 30 day lates than they can assist in getting this removed. This is unfair practices that takes advantage of consumers and is predatory. I feel sorry for the college students today getting out attempting to pay these loans because I'm a XXXX XXXX  and this company has never worked with me during transitions. XXXX XXXX student loans however has been awesome at working with you during transitions of home or jobs. This company needs to get its stuff together and is the perfect representation why this country needs student loan reform. If your going to bankrupt our nation you should at least work with the people that are paying your loans back. I've already paid back way more than I borrowed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX XXXX {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX XXXX {$4400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was in a car accident on XXXX XXXX. 2017. The women who hit us, car insurance is XXXX XXXX, out of California. My car loan was with Wells Fargo Dealer Services. My car was totaled. The process of getting the loan pay off was delayed, according to XXXX XXXX by Wells Fargo. While I was waiting for the payoff, Wells Fargo added car payments, late fees, and other fees. When I checked with XXXX XXXX on the process, they told me it had been delayed, because Wells Fargo had not sent them the information they needed to complete the process. I called Wells Fargo, who told me they had just received the information from XXXX XXXX and was processing their request. When XXXX XXXX received the information, they submitted a payment. I had gap insurance, so after the insurance made their payment, the gap insurance made theres. About a week later I received a bill from Wells Fargo Dealer Services, telling me that I still owed them and that because I was late paying them they added on late fees and if I didnt pay they will send the bill to charge off. I contacted them and spoke with the office of vice president and explained what happen and that this bill should be paid in full. They contacted me back and stated the bill was correct and if I did not pay it in full they will send it to charge off. 
Well, they did send it to charge off and then I received another letter from them asking me for the debt, after the charge it off. The people I was trying to work with to resolve this matter, is the same people calling me after the charge off. When people constantly call you and harass you, you remember them. This loan should have been paid in full. When I contacted the gap insurance, they told me, they do not cover any additional fees added by Wells Fargo. This is just not fair and I would appreciate you looking into this matter for me. 
I have included the letters they sent me before and after the charge off.

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 2019-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to Portfolio and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX  and XXXX  breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Case # XXXX Capital One is asking that Customer provide this # 8 of 10 pieces of documentation to support Customers complaint that Merchant delivered defective services to Customer. 
# 8. A 2nd opinion on company letterhead from another merchant in the same field that states how the service was defective : Customer responded to Capital one as follows : a. Item # 8 is unusual request i. A 2nd opinion on company letterhead will require additional time and money than the short fuse Capital One offered.

ii. Customer has requested the Consumer Financial Protection Bureau weigh in on whether item # 8 is reasonable or burdensome and not relevant as it basically requires one professional to rat out another. 
iii. Furthermore, Capital One has a General Counsels office. Capital One, XXXX XXXX  XXXX  XXXX, XXXX, VA XXXX Attn : Mr. XXXX XXXX XXXX, General Counsel Capital One has received now two ( 2 ) packages from Customer with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX certified to XXXX  a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. TransUnion and XXXX are allowing them to do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from XXXX # XXXX in the amount of {$1400.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXXXX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2020-02-11
Company: C & M Associates Group, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in XXXX by XXXX XXXX from the offices of XXXX and XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a XXXX checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with XXXX. The issue arose when the letters showed account numbers that did not belong to me. I then called XXXX to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from C & M Associates Group, Inc and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted XXXX  again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that C & M Associates Group , Inc is just  going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with XXXX though. Thank you for your help resolving this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JTM Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Receivables Performance Management, LLC
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 status incorrect

Complaint:
I noticed a huge drop in my credit score in XX/XX/2020 from XXXX through my bank. I signed into XXXX and noticed a delinquent account with the original creditor " XXXX  '' and the debt collection agency " Receivables Performance '' with the address XXXX XXXX XXXX XXXX XXXX, WA XXXX and phone number ( XXXX ) XXXX. The outstanding balance is {$1000.00}. I have never had services from " XXXX  ''. I filed a dispute through XXXX on XX/XX/2020 and on XX/XX/2020 XXXX closed the case " verifying the information as accurate ''. On XX/XX/2020 I re-filed the same dispute through XXXX. On XX/XX/2020 I signed up for an account through XXXX and noticed the delinquent account is not on that credit report and my score remains in tact. I did a search on " Receivables Performance '' and noticed that the company 's website does not have a secure web connection ( no httpS ). I read reviews on the company that others have had similar experiences with fraudulent debt collecting claims usually generated from TV or phone providers ( XXXX, XXXX, XXXX, XXXX ). Therefore I did not take action to call the company directly to prevent them from making a connection to my personal phone number and to avoid solicitation of my personal information.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX XXXX Trans Union ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX XXXX, Trans Union ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX XXXX Trans Union ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX XXXX, Trans Union ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

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 2020-02-11
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in XXXX by XXXX XXXX from the offices of XXXX XXXX  XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a USBANK checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with USBANK. The issue arose when the letters showed account numbers that did not belong to me. I then called USBANK to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX, XXXX and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted USBANK again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is just going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with USBANK though. Thank you for your help resolving this matter. 

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 2017-07-30
Company: EQUIFAX, INC.
State: MD
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:
Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATEXX/XX/XXXX, CHARGED OFFXX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation