BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: MRS BPO, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MRS Associates never once contacted me regarding the account in question. When I called them on XX/XX/22, after realizing my credit had been negatively impacted, they claimed that they did call my phone number. I asked if they ever left a message or spoke to me. They admitted they did not and stated they did not have to leave a message, that I should have called them back ( no phone number/company appeared for these calls that I can tell, and I am not in the habit of answering unknown callers to avoid spam/sales calls ). I stated that merely calling without actually leaving a message could not possibly fill the legal requirement for calling me and they stated that it does ( the representative I spoke to at XXXX, agreed with me that they did not meet the legal requirement and recommended that I complete this form ). I asked how they could place the derogatory without actually contacted me, and they then claimed that they texted me. I very vaguely remember texts about a Spectrum account. These texts did not state that they were a creditor in the texts, and I did not have a Spectrum account for over a year at that point, so I believed it to be spam and eventually sent a STOP message. Additionally, they claim they emailed me, but stated an email address that is not my actual email address. Finally, I did not receive any paper letters. If they had my phone number, they at minimum should have left a message stating who they are and requesting that I call back since it is common practice to not answer phone calls for unknown numbers and instead assume it is a sales-call or the like. When I called XXXX, they confirmed that calling but not leaving a message does not fulfill the legal requirement to contact me regarding the debt. In the meantime, they posted a derogatory on my account without ever first giving me a legitimate opportunity to make the debt right.

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Name is XXXX XXXX, and somebody has stollen my identity

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 2017-10-26
Company: Javitch, Block & Rathbone LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( XXXX ) failed to honor a reaffirmation on my auto loan following aXX/XX/XXXXbankruptcy filing ( dischargedXX/XX/XXXX). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects XXXX ofXX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.

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 2020-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Sent an international wire transfer from XXXX XXXX XXXX ( Sequence # XXXX ) for {$100000.00} ( QRN # XXXX ( transaction number ) ) to an account ( XXXX ) at XXXX XXXX XXXX, using XXXX XXXX XXXX XXXX XXXX as the intermediary. The recepient account company name has since changed ( XXXX, now XXXX ), even though they still regularly receive payment using the previous name. The transfer agent told receiving company representative that the wire would be returned so it could be re-submitted with new name. They used JP Morgan as the intermediary bank on the return wire ( XXXX case number ). 

Both XXXX XXXX XXXX and XXXX XXXX XXXX say that there is nothing they can do to trace the return wire, as it's stuck with JP Morgan. As the intermediary bank, neither the sender nor the recipient is a JP Morgan customer, and each bank is pointing at another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
credit has been identified as FAILED TO PAY yet loan owner has NEVER sent a bill or notice of amounts, invoice or other invoice to advise repayment has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When pulling my credit, I noticed there was an account placed in collections by National Credit Adjusters ( XXXX XXXX XXXX XXXX XXXX, KS XXXX ) On XX/XX/2020, I sent a Debt Validation Letter to National Credit Adjusters to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, National Credit Adjusters responded on XX/XX/2020 with a letter stating they would cease collection efforts. National Credit Adjusters made this update to my XXXX account but not my XXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since National Credit Adjusters is unable to verify the  accuracy of the disputed account they must promptly delete this item of information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-02
Company: Monarch Recovery Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2021 I contacted the original creditor ( XXXX XXXX ) with regards to the debt that has been forwarded to XXXX Account XXXX to which they are attempting to collect from me in violation of both Civil and Federal Rights. 

I had informed XXXX XXXX that no one had been authorized to open an account in my name and that I did not provide my explicit consent to authorize an account for electricity usage to be opened in my name at the property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX. 

I further informed them that for the 5 years of my residency at the said location the electricity had always been included in the rent because the electrical wiring was not up to building code nor was the property legally wired as a 3 apartment dwelling which would allow for the appropriately apportioned calculations for each unit. Therefore, the meters that had been installed were a result of criminal activity and a violation of the states building code at the time. XXXX XXXX intentionally ignored my numerous complaints and inquiries that followed soon thereafter my initial complaint in violation of my civil rights as an individual as well as federal rights as a consumer. 

In fact, the state 's city inspector affirmed that the meters were illegally installed and remanded the landlord XXXX XXXX XXXX to conduct the necessary repairs that would bring the electricity up to code at the above mentioned property. Attached is a copy of those said violations which clearly indicate that there was a jumper cable wire that still connected the 2nd and 3rd floor unit in order for the electricity to work because, the property had never been legally rewired in order to separate the electricity and install 4 separate new meters legally. 

Once again, I explained this to XXXX XXXX repeatedly and they did absolutely nothing to resolve the situation which will most likely end up in further litigation as the electricity should have never been transferred from the landlord to the tenant without my consent nor application. Especially, under the illegal circumstances and since, the landlord could not have legally made the tenants responsible for the electricity then this is not legally my debt. 

It's been nearly a year and until this date the property 's household meter still reads XXXX which is a clear indication of why this was all illegal in the first place. This is not my debt and these mega companies are way out of line. They will not be receiving a dime!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
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:
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. 
On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. 
I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? 

Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I applied for this loan at XXXX. I was approved in the store drove off with the car. 

I was sent approval notices from ally on the same day. Both notices reflect a different score. My credit score was altered by Ally just to give me this loan. 

I made payments until I noticed Ally financial was shelving a portion of my payments. They were not reported properly with credit agencys and now my credit is severely damaged. 

When I notified this company that I was aware of this a man with a tow truck came to steal it. I was not given collection notices. I received two calls asking for payment at which time I stated I was waiting for them to reply to my certified mail. In that mail correspondence I inquired about the payments I made being split up on there accounting records and asked why none of it was being applied toward the principle. 

I contacted the district attorneys office in XXXX XXXX and still have not received a response. I also sent many letters to XXXX XXXX because I could not get help here in this county regarding this company. 

As you know XXXX started a XXXX dispute and my situation is a prime example of that pattern with this company. 

Please see evidence attached.

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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The facts that I know is that an inquiry was placed on XX/XX/XXXX by XXXX  XXXX. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting XXXX  XXXX on XX/XX/XXXX, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
I called the company on XX/XX/XXXX and I called XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX of XXXX and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.

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 2021-10-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke to customer service with my mortgage servicer XX/XX/2021, I was told my request for mortgage assistance was still being processed but they had not postponed the property foreclosure sale date for my property. I was informed by customer service Carrington Mortgage, sale date would be postponed while the mortgage assistance request was being processed. I'm being given misleading information by Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: SYNCHRONY FINANCIAL
State: CA
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 XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the inaccurate account, SYNCB/CARE CREDIT, still remains on my credit report in violation of Federal Law. They neglected to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2020-12-21
Company: DISCOVER BANK
State: NJ
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:
This credit card company does not know how to protect its consumers. During follow up calls they said the fact that we still have the card makes us liable for the disputed charges. Neither me or ANY of my family members have gone to 2 of those places in NJ where the transactions took place. If there will be a PROPER investigation we are confident that it can be proved we were never on those places at all. The credit card co does not give us any other information whats their evidence why we are responsible. We dont even know if these purchases were done online or in-person. This has been reported to the XXXX police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a debt collection statement from Wakefield & Associates LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the number XXXX that was on a statement mailed to me and said that I do not know the creditor XXXX XXXX that they are collecting a debt for. They asked me to confirm my address and date of birth. I told them I will give them the address of where this letter was sent to but I dont feel comfortable verifying my date of birth because this sounds like a scam. So the person on the phone said ok thank you, have a good day and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: GA
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:
There is a so-called builder in Texas name XXXX XXXX who has been fraudulently opening accounts in my name for an entire year. He is not acting alone, he has employed the services of various car lots and bank reps. For example, he was able to purchase ( 2 ) $ XXXX worth of XXXX XXXX in Texas, under my personal and business credentials, without my knowledge or consent. For an entire year, I have at least disputed this fraud with Equifax at least 8 times, all of the fraudulent accounts that have posted to my credit file, along with several police reports and an FTC report.. Since XXXX XXXX, XXXX, I have again filed XXXX fraud disputes with Equifax. They ( Equifax XXXX never investigated my fraud claims. Equifax has yet to send me any evidence that a fraud claim was ever investigated. They keep updating my credit report with the same negative status. I am uploading documents to support my claim. This is my last effort of pleading with Equifax to remove and block the fraudulent accounts, and to properly restore my credit., prior to filing a lawsuit for damages against Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
No contractual obligation/agreement Pass 30 days and not in dispute NO RESPONSE delivered XXXX Inaccuracies : Incomplete account number Inaccurate date open/placed for collection Estimated month/year removal date is Inaccurate & Incomplete Missing monthly payment Missing past due amount Missing date of last payment Due to these inaccuracies this account was removed from other bureaus ( XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear Resurgent Receivables LLC, or to whom it may concern, in my previous CFPB complaint, you mentioned you are licensed, but you never directly answered my question? You answered my question in a deceptive way, CFPB investigate their response. However, I, XXXX XXXX, a natural person, consumer, demands the mentioned documentation below from Resurgent Receivables LLC, also CFPB investigate their response to this complaint, because I believe this company are performing deceptive business practices. Again, the information I demand is below, best regards. 

A COPY OF THE BILL OF ASSIGNMENT. 

RESURGENT RECEIVABLES LLC LICENSE NUMBER TO PRACTICE IN THE STATE OF XXXX  & XXXX AGENT. 

A COPY OR WRITTEN PROOF OF A CONTRACT BETWEEN THE TWO US. 

PROVIDE A COPY OF WHEN DID I, XXXX XXXX, GIVE RESURGENT RECEIVABLES LLC THE PERMISSION AND WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT PURSUANT TO 15USC 1681b ( a ) ( 2 ). 

HOW DID RESURGENT RECEIVABLES LLC CALCULATED THE ALLEGED DEBT AND WHERE DID YOU THOSE NUMBERS FROM? 

HOW DID THEY IDENTIFY THE CREDITOR WHO GAVE RESURGENT RECEIVABLES LLC PERMISSION TO VIOLATE MY RIGHT ( S ) TO PRIVACY SINCE THEY ARE A THIRD PARTY?

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Failure to comply, will result in violation ( s ) and fines. 


Best regards. 

XXXX : XXXX [ XXXX ] Without prejudice, all natural rights reserved.

Company response to consumer: Closed with explanation