BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX - email from Genesis XX/XX/XXXX - email from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX- XXXX from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis This does not include two initial calls that I answered from an undelivered number in that time range where a woman was pressing me to answer her questions and pay my debt. Upon the first call I received, I asked them to PLEASE stop calling me as I had submitted a dispute request in the mail and had up to 30 days to receive information to continue on with the dispute. At the time, this woman mentioned that the dispute letter " hadn't shown up in my account '', but I have confirmation date of delivery letters from USPS showing that the debt collector did indeed receive my request for a dispute and more information. It has now been 30 days since my request to have that information received, and I still haven't gotten any clarification around this debt collection and why it is believed to be owed. I still receive weekly calls asking to pay my debt and harassment that if I don't pay I could be in big trouble. I have called Genesis three different times in the last week and no one picks up the phone. I do not believe that I owe the debt amount, but yet I can't get any information as to why this debt collector believes I should pay them or how they came up with the number they think I owe. 

In addition to this information, the debt collector is asking us to pay {$730.00} on behalf of " damages '' that were never proven with an old rental property that I once rented from. In my time at this location, there were many occurrences that happened in which we felt we were treated unfairly. 

We had asked COLUMBIA DEBT RECOVERY LLC DBA GENESIS to provide proof of damages, along with a written letter asking to provide that information in the matter of 30 days. They had until XX/XX/XXXX to prove that information, and yet I'm still getting calls asking for us to pay our debt. All calls from Genesis should have been put on hold according to their original email correspondence in which they stated in writing " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' Our letter was written and submitted to them by XX/XX/XXXX and again, there is proof of that from USPS delivering that letter. I have also attached the PDF of the written letter submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Transunion is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.

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 2018-02-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for the debt with XXXX at XXXX XXXX XXXX. I do not have contract with Fair Collections and Outsourcing Inc. They did not provide me with original contract as requested

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 2022-08-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Since 2016 I have had great credit, and made on time full payments, yet this company owned by Truist Financial Company has denied any wrongdoing. I opened a checking account online, never received my routing/account number & was denied for a loan with outstanding payment history because of XXXX, XXXX & XXXX who illegally modified my credit scores to make it look like I had less than reputable history. 

Truist Financial Corporation aka LightStream was offering {$200.00} with {$500.00} in direct deposit bonuses - I have no access to my login information online, but have images of the account being registered successfully. I was denied a loan under false pretenses and given a Know Your Customer code and told to " visit a branch '' -- - no other bank forces you to come in to make a deposit, I was never mailed a debit card either!

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 2023-05-05
Company: CITIBANK, N.A.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
XXXX charged me {$1500.00} incorrectly. They said they refunded me {$65.00} on XXXX. Citibank wont give me my credit back

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 2018-02-16
Company: FIRSTBANK PUERTO RICO
State: PR
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:
First Bank Puerto Rico ( the bank ) offered a forbearance to their customer after Hurricane Maria. The bank reported me as delinquent on XX/XX/XXXX, however, the bank did not notice that I had made payments on XX/XX/XXXX for {$200.00} and {$180.00} on XX/XX/XXXX. 

My loan was up to date when they reported me, furthermore, I paid off the loan entirely on XX/XX/XXXX I made a payment for the full balance and today XX/XX/XXXX they reported me once more. 

It seems the bank does not have adequate monitoring and reporting procedures and this is leading to a deceptive and abusive practice. 

What first bank is doing to its customer in XXXX XXXX is abusive and deceptive specially after the events of Hurricane Maria. 

Also, I want to report another abusive activity related to the interest charge during the Maria Forbearance which were much higher than the agreed rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these Credit Reporting Agencies as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

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 2021-01-04
Company: Franklin Collection Service, Inc.
State: DE
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:
On XX/XX/XXXX I received a credit bureau alert through XXXX XXXX XXXX XXXX and XXXX XXXX, that a new debt was placed on my credit file. The name of this company is Franklin Collection Service of XXXX, XXXX XXXX on the behalf of XXXX XXXX XXXX. On XX/XX/XXXX I promptly called XXXX and began a dispute and requested information about the collector. I called on the same day and spoke to a Franklin Customer Service Rep and asked about the debt. I was informed that the name on the debt is not mine but of some else. Knowing this, I requested the false information to be removed, which I declined, I do not know if this company is legitimate, besides Franklin issued the complaint, the burden of proof lie with them! I asked about information of the debt like address, year this account was opened, phone numbers, but they would not release the information. Franklin know about this inaccuracy, and will not do anything and this is illegal! According to the XXXX, this company have a transparency issue, and have racked up 150 complaints in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. Account Number : XXXX XXXX. Account : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-09
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a text notification that my savings account balance was XXXX in a panic since this is the account I deposit my pandemic unemployment checks I logged on to the Wells Fargo website to confirm that the balance was indeed XXXX. The notice said " Legal order debit-contact court ordered debt collections ( XXXX ) XXXX case # XXXX '' Ie called this number to find out Wells Fargo can not tell me who had collected my savings. I was never notified of me owing anything and now my unemployment is gone to someone and my kids and I face hunger, eviction, penalty fees, overdraft fees and a {$120.00} to wells fargo legal ordered fee. I dont know who or what but one thing is for sure my children and I will be sleeping on the streets of XXXX XXXX Ca if I can not fix this soon. I will be happy to set a payment plan as long as i know what is for. Not knowing the creditor, balance or nothing about the debt is scary specially when your kids safety is at risk.

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 2021-07-05
Company: HYUNDAI CAPITAL AMERICA
State: NY
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 was marked a late payment by Hyundai Motor finance for mileage overage fees however i had an agreement with them for he remaining balance as I affected by XXXX XXXX. Under the Cares act they should not have reported this late payment since I was affected by a natural disaster.

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 2019-07-17
Company: Square Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I have opened an account with the Cash App using my XXXX app store. I opened my account with Cash app and was sent a debit card with my name etched on it ending in XXXX originally. I lost that card during move and received a second card ending XXXX. I receive my federal VA benefits on the XXXX in amount of XXXX and a state XXXX in amount of XXXX on the XXXX of each month. this month on the XXXX of the month Cash app took all money away and now i do not have access to any of it. I have been evicted from my home, i can not pay any of my bills and i am very upset. I need this figured out and my money to be returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: New Era Asset Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
New Era Asset Management has been contacting me numerous times a week and leaving messages saying that legal action will be pursued if I don't respond by XXXX pm EST and/or that I will forfeit any discounts if I don't respond immediately. I received multiple calls per day and XXXX voicemails were left from XX/XX/22 until XX/XX/22, when I spoke to XXXX XXXX. 

During the XX/XX/22 phone call, he told me that I owed an unspecified amount of money to an unspecified lender and that since they owned the debt now I needed to settle it ASAP. I informed XXXX XXXX that I had no idea what debt he was referring to since he gave me no details so I requested a debt verification letter. I provided my updated address for this purpose then informed him that I did not want to be contacted again about this matter until I received a letter verifying the debt ie original lender and amount. XXXX XXXX assured me that he would have the verification letter prepared and mailed to the address I provided. 

XXXX, XX/XX/22, I received XXXX phone calls from XXXX XXXX, who identified himself as a supervisor at New Era Asset Management. His message said, " Hi this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm a supervisor here at New Era Asset Management. This is not a sales call or a solicitation. I'm contacting you today in reference to XXXX XXXX. This matter of yours was forwarded to my office and requires your immediate response. Please return the call as this will be documented as my first attempt to reach you personally. My direct number is XXXX. Call me back please & refer to file # XXXX. This is an attempt to collect a debt & any information obtained will be used for that purpose. Thank you. '' XXXX XXXX then proceeded to call : my mother, my father, and both of my brothers. He left the same message with all XXXX of them even though they have nothing to do with this debt. 

XXXX XXXX not only failed to provide a debt verification letter and honor my no contact request, he also disclosed personal and private information to all of my family members which caused them much worry and distress. Moreover, this company obtained a copy of my credit report using a hard inquiry which is completely unnecessary and which I interpret as an intimidation tactic since hard inquiries decrease my credit score. As XXXX XXXX is surely aware, if he needed to obtain updated contact info his company could easily use a service such as XXXX for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numberXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company XXXX my consumer profile denying my credit because of unauthorized inquiries. 
On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. 
Thank you.

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