BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Received a surprise letter from CMRE XXXX stating that some one failed to bill my  insurance XXXX months ago and cannot go back.I have no other information or verification  on this company.The collection company is not ready to listen and is pressuring me to pay  and threatening to ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called to North Group Inc. Because I received a collection bill from them, after providing them with all of my information for their verification, even though they sent a letter to my home with the enclosed bill, I was told that my date of birth did not match, even though all of my other information was correct, after speaking with XXXX different people I was told that there was nothing they could do and the only help they can give me was by deleting my address from the mailing list which it will not really help me since I can not even dispute the debt since my date of birth does not match, so in 30 days the debt will be recorded to collections under my name and social, hence why I am making the complaint asking for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company RADIUS GLOBAL SOLUTION XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RADIUS GLOBAL SOLUTION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.SXXXX code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2021-11-24
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I have become aware of fraudulent activity on my Chase XXXX XXXX card over the period of XXXX XXXX, 2021 to XX/XX/XXXX2021. 

I have itemized these transactions below, for which I, and any authorized users, have not received any benefit, service, or product from. 

XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXXT XXXX XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$70.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$71.00} XXXX # XXXX XXXX  XX/XX/XXXX {$96.00} XXXX XXXX XX/XX/XXXX {$74.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} XXXX XX/XX/XXXX {$83.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$97.00} XXXX  XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XX/XX/XXXX {$110.00} XXXX  XXXX 'S # XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX {$16.00} I believe the card used in these transactions was issued to me, in the name of XXXX XXXX XXXX. This is a variation of my own name, and is my own card ( My mothers maiden name is XXXX, and my first name was apparently misspelled by Chase several years ago when this card was issued ). 

This card was being carried in my back-up wallet, which I believe was lost at XXXX XXXX on XXXX XXXX, 2021, and for which I have filed a Police Report. 

I would ask that Chase begin an immediate investigation into these charges and issue a temporary credit for them, in the amount of {$2300.00}. I also ask that any associated finance charges and fees also be suspended or credited. 

Additionally, I would like to review a copy of the merchant sales slips ( digital or paper ) for these XXXX transactions, so I can compare them to my own recorded signatures. If there are any other available transaction records for these XXXX transactions, I would like Chase to obtain them as well and provide them for my review. 

I believe all of these requests are within my rights as a cardmember and consistent with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been working with paypal for over a year now and have had no customer complaints or done anything wrong. Yet just recently they have been putting holds on my accounts making me wait for the money to transfer from my customers. I have submitted numerous documents with proof that my items were being delivered yet they still have not taken them into consideration and will not tell me the real reason my account is being limited. Now they have decided to close down my account for life and say that they ca n't reverse the appeal, this is a terrible business practice to continue. No matter who I talk to with Paypal they all blame it on another employee or transfer me to new people on the phone. I want my balance in my account to be transferred immediately without having to wait " 180 days '' which is far too excessive. Actions need to be taken on Paypal immediately for what they have been doing over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Experian credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that Experian is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.

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 2021-11-24
Company: EQUIFAX, 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 a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report.I demand the deletion of the fraudulent inquiries listed below which all resulted from the Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX OF XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020 I applied for a Covid-19 Forbearance plan with my mortgage provider Mr. Cooper. At the end of the forbearance period, the total amount from the forbearance period is due unless the amount is moved to the end of the loan. I applied for a modification to have the amount moved to the end of the loan so that I could resume payments but my request was denied. I have been told that the only way I can resume my payments of {$940.00} monthly is by paying the lump sum of {$16000.00}. 

The company replied that I am not eligible for a modification because I have had three modifications for the life of my loan. 

I have shown that I would like to stay in my home and I don't think that Covid-19 should be considered a normal situation for an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 ; I contacted Equifax to attempt to dispute my credit score suddenly dropping due to me paying off my credit cards. I had to purchase a credit report for {$15.00} to discuss why the sudden change to my score. The agent was unable to explain why my score decreased by 10 points. After about 45 minutes of holding I was transferred to another agent who attempted to assist me and after asking me 10-20 different questions about my profile he proceeded to tell me he could not access my profile. The previous agent was able to access my profile and see my credit report, the escalated team could not. What's puzzling is I was able to pay to see my credit report, but couldn't access my report due to their unclear security questions. I was then transferred to a supervisor who also could not access my account or answer my question as to why my score dropped. It almost appears as if they were trained to avoid the customer 's request for any information. 

Their security feature is flawed and those questions are not set by the consumer therefore its almost impossible to answer them all correctly. The simple response of its " for the protection and security of my account '' is false due to the fact Equifax accepted my payment for my profile which the first agent was able to access. Then when I began asking questions about my credit score they could no longer answer my questions. These actions appear to be very deceptive to deny a consumer the right to dispute incorrect information. 

My chief complaint is regarding my credit score dropping which appears to be a common theme among the 3 credit bureaus and Equifax is no different. I'm also requesting that on my not be inaccessible to me particularity when I am paying for their service! 

I am requesting my credit score points of 12+ points be returned to my credit score as I should not be penalized for paying off debt. This also contradicts the information on their website that maintaining a low credit usage helps improve your credit score. This is false advertising and misleading. 

I have attached a list of other consumers who have complained about this false and misleading information. 

I was on the phone with the agent for almost two hours with no resolution. I'm hoping

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me anxious because this might have an effect on my further credit transaction and so. I want this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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:
First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.

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 2015-10-28
Company: Northland Group Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: Admin Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since late XXXX of 2016, agents calling themselves either XXXX XXXX or XXXX claiming to be representing Admin Recovery ( XXXX ) have been contacting my mother and XXXX of my aunts about my XXXX debt. I 'm confused by these calls because my credit report from XXXX never mentioned any debt or transactions involving XXXX. I also never owned a XXXX any time after XXXX. I am particularly disturbed that XXXX XXXX told my aunt that he knows my parents are living XXXX. I have no idea how he could know this about my family. My family and I all feel that our privacy has been violated. Since these callers have only contact those in my family that are above the age of XXXX but never tried to contact me, I suspect they might be targeting senior citizens. These callers need to stop contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: NC
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 continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my credit score in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " XXXX  days late, '' as it is FACTUALLY INCORRECT.

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 2017-01-31
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received a few phones call from a company that refers to themselves as either " Litigation department '' or XXXX XXXX, attorney of ARA division. They 've contacted me regarding a credit card debt that is over 15 years old, I believe. I 'm not sure what the debt is. As a victim of identity theft, I 've ask them to identify the debt and provide me with proof of this debt since I 'm not certain that it was me. I asked that this information be mailed to me. 

When I asked for information, the female representative accused me of being a liar, used foul language, threatened me with court, and hung up on me. I called and back and spoke with gentleman, who immediately took an aggressive tone with me and I thought it was best to end the call at that point. 

Now, I 'm getting garbled voicemails that state they are filing an affidavit against me. If the company can not provide this information, I will not pay it. To simply call someone up, claim they owe money without provide proof is absurd.

Company response to consumer: Closed with explanation