BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: LA
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:
1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) Equifax and XXXX are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Cash Security, Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I was contacted by the company in reference to a monthly payment. I informed them I couldn't pay the full amount due to having XXXX, but I could pay the majority. The rep said that would be fine and she would contact me in XXXX to set up new payment arrangements. In XXXX I was contacted by another representative asking about payment. I attempted to remit the payment by phone, but was told it could not be accepted. A week later, I received another call and spoke with a different representative who advised me {$50.00} was not good enough, and he needed the full amount owed on the account. I advised him I could only pay {$50.00} right now, and he declined to take the payment, again stating he needed the full account balance, and until I paid that he would continue calling and take other measures up to and including court. Since then, they have called nearly everyday and have been given the same information with the same response. They are also calling my friends and family saying my phone is disconnected and they are seeking me to sue for the remaining balance. Today, XX/XX/XXXX I received a call from the regional supervisor. I advised her of the previous conversation, and she said there were no notes and the account notes reflected they had not heard from me since XXXX. This is a false statement since I have been paying monthly throughout XXXX. I informed her of the refused payments, in which she stated there were no notes. She consistently talked over me, not allowing me to speak saying, " If you had paid the full amount, we wouldn't be calling. '' She asked me twice to stop cursing at her, and not once had I used any foul language. She then said she was hanging up on me, due to my language and again, not one time had I used foul language. In fact, I was hardly allowed to speak without her speaking over me. In the past, this company has been harassing in nature to the point of having to file a formal complaint with the local court, due to an employee threatening to have me thrown in jail and my kids put into fostercare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2019-02-12
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. 

Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: MO
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:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the Equifax breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX  9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I notified Navy federal  in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: National Credit Systems,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:
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : National Credit Systems Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AmerAssist A/R Solutions, 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: Information belongs to someone else

Complaint:
Amerassist AR Solution is reporting a collection/chargeoff for {$200.00} on my XXXX XXXX credit file. I have never had applied for credit or owe a balance to this company. I have disputed debt numerous times with a direct dispute and through the credit reporting agencies. This debt has been on my account for 2 years and 7 months. I have requested proof that I owe a debt and have not received any documentation of what I owe or why this item is reporting on my credit bureau. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive multiple calls a day won't every discuss number given to call back is never answered, Goes to voice mail but does not leave a message. Every time I call thme there office is closed. I don't owe anybody any debt. I have an XXXX credit score. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
HSBC Bank sent UNSOLICITED " Prescreened-approved Master Card credit card that advertised 0 % APR forRef. : Master Card acct # XX/XX/XXXX On XX/XX/XXXXmy referenced account was charged with {$18.00}. I called their Customer Service and to my surprise and dismay I was informed that it is interest on my balance of my card. I opened this account only because they UNSOLICITED, mailed me an offer with 0 % APR. Nowhere in that offer it was mentioned the interest rate for purchases but ONLY that 0 % APR on Balance Transfers only misleading me to believe that 0 % applies on purchases as well. This is a masterful technique to mislead the consumer to believe so by omitting the proper information and it is misleading, immoral and borderline fraudulent. After receiving my Credit Card, I again called Customer Service to verify that 0 % APR as well as its expiration date, in order to proactively protect my self from any deceitful, well by now aware of such practices through my past experience with financial institutions, and I was again notified of the 0 % APR, again with no disclosure or distinction to purchases. 

As a result, on XX/XX/XXXX I electronically paid the amount of {$2800.00} effective due day. This amount paid off and in full my credit card account/balance re reference with the exception of the {$18.00} of the improper, deceitful, and fraudulent Interest Charge. This practice is not only immoral but illegal and I reserve the right to report this practice to the proper authorities and/or regulatory agency/ies. 

I sent to the Bank a registered letter disputing the charges due to deception. They have now sent me a bill with balance of {$37.00} including outrageous penalties and denying that they ever received my letter mailed to them registered Tracking # XXXX on XX/XX/XXXX. 

This Bank is practicing deceptive, illegal and immoral promotional practices to lure consumers in and charge outrageous fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Kelsting Group, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
there claiming a breach on rental lease and that i owe XXXX that the origianal amount is XXXX and the dates are wrong i disputed no responce from them but credit bureau said they certified accurate but wont send information used to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Cavalry Portfolio Services LLC as assignee of Cavalry SPV I , LLC ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that Calvary states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. Calvary Portfolio Services claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. Cavalry and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. Cavalry has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called Cavalrys ' Collections Attorney ; XXXX XXXX XXXX to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both Cavalry and XXXX  on XX/XX/XXXX in which they both received. XXXX XXXX XXXX sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. Calvary filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. Calvary has been attempting to collect a false debt since XX/XX/XXXX. Cavalry obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been a long time PayPal user, but all of a sudden PayPal is declining me from adding funds and making payments. I have not changed my banking information recently, nor am I doing anything out of the ordinary. I am tired of hearing excuses from front line agents who do not know what they are talking about. There is no point in offering these services if PayPal customers are unable to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I asked Experian and XXXX to confirm and or remove a Chapter XXXX off my credit. It has been removed by XXXX. The bankruptcy will be 7 years old in XX/XX/XXXX. On previous reports they indicated that it would be removed by at least that date. Then they told me XXXX - who ever that is confirmed the bankruptcy was correct. that was not my request nor did I get the report I request from they by a XXXX XXXX. I have corrected my credit and on the right track since XX/XX/XXXX. On my credit report XXXX has the file date as XXXX/XXXX/XXXX - a mistake ; it was filed XX/XX/XXXX If XXXX agency can remove this why can Experian and XXXX. Especially with the recent breaches of millions of credit report. why would an unknown company have access to my credit file who or what is XXXX XXXX XXXX. Now that I'm looking at my credit all XXXX did was pull my credit report because they are on they as an inquiry. It's unbelievable these company are having another company pull my credit report to verify my credit report that they are report. HELP

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 2019-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for Midland Funding and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at XXXX, XXXX, XXXX on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} XXXX appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks

Company response to consumer: Closed with explanation