BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: National Commercial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCS has been contacting me by phone and mail in order to try and get me to pay some sort of debt that does not belong to me. The debt started at {$1000.00}. I have tried to get them to verify it, but no such verification has been provided. They simply sent a stack of papers, not one of which included my name, and a letter that they had typed up saying that the debt was mine. Every time they send me a letter, the supposed debt rises. They are now saying I owe {$7000.00}. I have asked them not to contact me by any way other than by certified mail and they continued to call. They have also posed empty threats saying they would have my driving privileges revoked if I did not pay them for this debt that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IA
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:
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice 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 2018-12-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 I was contacted by a company called XXXX XXXX XXXX representing XXXX XXXX XXXX in relation to an account with XXXX XXXX XXXX which was a direct result of identity theft and in which XXXX XXXX XXXX has agreed and absolved me of all relation with this account. I was told by XXXX XXXX  XXXX that i owed a balance from this company. I paid this amount under duress to prevent my credit score from hurting further. I have sent faxes to XXXX XXXX as well as letters demanding the payment to be paid back to me immediately. This was a deceptive collective of an debt I did not owe. I will pursue legal recourse if this matter isnt settled here. I am demanding my {$400.00} back immediately otherwise the amount i will be seeking through legaslative matters would far exceed this. XXXX has acknowledged receipt of all documentation in relation to my dispute but has not responded via letter nor phone call. I have had to reach out personally only to find out my claim has been denied by the highest level possible without merit nor just cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I do Not Have OverDraft Protection and there are 3 Withdrawals Also received Letter that XXXX XXXX  {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION ( ATTACHED IS PROOF ) And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} XXXX XXXX  {$32.00} XXXX {$280.00} XXXX XXXX {$49.00} XXXX  {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} XXXX XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am trying to work with this loan company. I inquired the home in XXXX 
I have called several times to inquire about payments. I was under a bankruptcy. It was dismissed. 
I have sent paperwork to this loan company : will, death certificate, the social security numbers. 

They keep telling me that I am a third party on this loan. I am willing to pay {$500.00} a month. I had my attorney sent them a write off stating my bankruptcy was dismissed. 
I called they again say they don't have the paperwork. My attorney also sent paperwork. 
I don't want to lose my home. 
I have a XXXX XXXX  and a brother that has XXXX they are with me. 
I am stressed out to no end. They say they don't refiance, I know my credit is bad but I manage to pay taxes. I have new cabinets in my garage but now it is on hold. I am not putting them in if they are taking my home. 

Please can you help me? 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with AD Astra Recovery Services, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle.

I believe that AD Astra 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
In  XXXX   2017 I pulled  my credit report for all   XXXX   bureaus to find an  open   XXXX   XXXX   XXXX   ac count that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( s igned for o n  XX/XX/2017  ) to   the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 3 1 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see att ached ) signed for on   XX/XX/2017  as king them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original l etter therefor violating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has be en almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s to provide evid ence.

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 2022-01-24
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. 
I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. 
XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. 
If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. 

This was the first and last time I shop at XXXX XXXX on line. 
Customer service is poor and no help. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-03
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:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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:
Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you and that you are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming ( AMSHER COLLECTION ) as an entity entitled to enforce a commercial claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is letters from a supposedly law firm trying to collect money. I viewed my credit reports and found no such debts. 
Account # XXXX Client : XXXX, XXXX, XXXX & XXXX XXXX LLC Claim # XXXX Amount : XXXX, XXXX offer of XXXX. 
I called and asked who the company was and they only gave me " HSBC bank ''. 
They also gave me a date of 2018 and the name XXXX XXXX XXXX. 
I have never heard of this company and the date doesn't coincide with any action or purchases I have ever made. Again, I searched my credit reports and there are no coincidences. 
They're phone number is XXXX ( XXXX ) XXXX Website : XXXX This is the only correspondence I have received to date. 
Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased an investment property and it was financed with XXXX mortgage and before I could make my first payment the loan was sold to New Rez LLC. I had an escrow account set up to pay my taxes and insurance. First I got a note from New Rez that they were adding insurance to my loan because I did not have any and after numerous calls we got that issue resolved, however then I received a letter dated XXXX XXXX from Office of the XXXX County Treasurer stating my taxes were delinquent on the property purchased at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. First thing I did was contact XXXX to ensure the monies had been sent to New Rez for my impound account and the dollar amount they sent. The amount sent to New Rez was {$390.00} and I have made four mortgage payments to New Rez, each time a payment is made {$130.00} goes to my impound account for a total of {$520.00}. With the 4 payments and the transfer the total in the impound account is {$920.00}. I contacted New Rez XX/XX/2020 and shared this information. They had me fax a copy of everything to them at Loan Servicing XXXX and assured me it would be resolved in 10 days. On XX/XX/2020 it was not resolved so I again called them and faxed everything to them again and was told it would be resolved and it was not. On XX/XX/XXXX I called and spoke to XXXX XXXX and my husband emailed her everything and we were told it would be resolved so we asked to speak to a supervisor, of which NONE were available to help us. We were told one would contact us within 48 hours which of course no one did. I again called today XX/XX/XXXX, spoke to XXXX XXXX and of course was told they can not take emails, they had no record of my call with XXXX and that they would send it to a supervisor to call us and again we wait 48 hours. I am in the middle of refinancing this property as I no longer want to do business with New Rez. There is NO EXCUSE for them not paying my taxes on time of {$240.00} and now the penalty of {$9.00} and a Cost fee of {$2.00} to the XXXX County Treasurer immediately. Today XX/XX/2020 I received a letter from them saying it was in response to my inquiry on my loan # XXXX which is serviced by New Rez LLC on behalf of XXXX  XXXX XXXX, the owner of our loan and they were working to gather the requested information and they would forward it to us. Not sure I understand that, it should say they have PAID my taxes!!!!!! I have spent 8 to 10 hours of my time trying to resolve this issue with them. I want my taxes paid, they have my money and it should not be this hard.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: GreenSky, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
We received a bill for {$14000.00} from " GreenSky '' on XX/XX/2019, with an interest rate over 25 %. However, we have never agreed to any loan from Greensky, we have never signed any financing paperwork or approved anything related to a " GreenSky '' account or loan whatsoever. We've never seen any loan information ( other than a bill, after the fact ). The account was fraudulently opened and fraudulently charged against, apparently by a contractor who did terrible work and never finished the job. I believe this as " XXXX XXXX '' ( the contractor ) is the only charge against the account. They apparently took our information and took out a loan without our knowledge or consent. 

We immediately called the company, " Greensky '', that day, and submitted a Dispute in writing per the directions on the bill. They told us they need to investigate and that they would get back to us. Someone then told us via telephone that we are responsible for the loan. We asked for proof, documentation, signatures, anything at all they have that would establish this loan is legitimate ( which we know it is NOT ) and they simply refused. They acknowledged that they did not have any type of loan agreement in their possession. They have not responded to any of our written inquiries or disputes ; we emailed their dispute department on XX/XX/2019 and XX/XX/2019, and sent a certified letter on XX/XX/2019 ( which they did receive ). They have refused our requests for additional information, or documentation supporting their belief that we are somehow responsible for this loan. 

When we call the " representative '' they assigned us, the call goes immediately to voicemail. When we call the XXXX number, we get re-routed to that same voicemail. They are refusing to speak with us or answer our correspondence, and continue to send us bills for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}

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