BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe XXXX {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by American Coradius International LLC. 

I went out to XXXX and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used XXXX for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX account years ago. Due to my divorce I was unable to pay my bill completely off. I was paying my bill as I got money. I never stop paying totally. I contacted XXXX XXXX and told them about the divorce. My account was sent over to a collection agency I reached out to the collection agency because the amount they stated I owed was incorrect. I ask for specific information, I got a letter with basic information just the account number, original account date and the amount owed. I waited thinking they would give me the information I ask for the original agreement, payment history etc.. I followed up to the collection agency with another letter, the collection agency then responded saying that they will not respond because my letter was duplicate and they didn't see a reason to give me the information I requested. I am asking for the information to see how the amount that is being requested came about. All 3 credit bureaus is reporting something different and I definitely know the amount is wrong. I am ad have been trying to pay my debt but I refuse to pay something that I don't owe. I understand my divorce is my own personal issue and I still am responsible I am asking for the documentation so I can pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Zebit, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Zebit XXXX is fraud, they say all credit welcome, they lie, do not lie about anyone with all credit, I tried to purchase something for XXXX and they turned me down or say the credit spending limit is too high, they need to be investigated for false advertising and lying on their website all credit welcome they should accept my approval I am willing the pay the down payment, do not false advertise on something that is not true they do not even have a contact email they are credit PROFILING and it should stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was recently bought from XXXX by Shellpoint Mortgage Servicing in XX/XX/XXXXof this year. We received from them in early XX/XX/XXXX a pamphlet of information from them about Points of Contact and way to contact Customer Service. On the day we received this information ( I believe the call was made XX/XX/XXXX ) we called the Customer Service Line as was told that we had a negative Escrow Amount but since we were in Bankruptcy there was nothing more the lady would be willing to talk to us about.
So we called the Point of Contact ( XXXX XXXX ) and it went straight to voicemail and we left a message but did not receive a reply. We tried again ~XX/XX/XXXX and when we called XXXX answered right away. We mentioned to her that we were trying to figure out how to go about paying for our Mortgage since there were no clear instructions on the paperwork and I could not pay online due to the bankruptcy. She said that we needed to contact our Bankrupty POC ( XXXX XXXX ) regarding anything tied to the Bankruptcy and that we had to get a note from our Attorney for them to be able to speak with us regarding solutions to the issues with the Mortgage.
We then went to our Attorney 's office on XX/XX/XXXX and got a letter from him as requested and faxed it to Shellpoint via the phone number provided the following day. We then called XXXX the following Monday or Tuesday and it went straight to voicemail. A message with all the necessary information was left which included wanted to talk about issues regarding the Bankruptcy, and a Home Repair Escrow that would have been transferred from XXXX.
After receiving no response from XXXX the following Monday or Tuesday we called both XXXX XXXX and XXXX and were taken again straight to voicemail. Messages were left according to the instructions and as of now ( XX/XX/XXXX ) I have not heard from them or any representative of Shellpoint Mortgage even though I have reached out multiple times.
This is obstructing our families ability to repair our home since there is a Home Repair Escrow Balance and as such is limiting our options in terms of resolving the Mortgage in an amicable fashion with Shellpoint. We have reached out to them multiple times in good faith and it feels like they refuse to work or even talk to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Alliant Capital Management LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
First I received an email from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX XXXX. Then I started receiving calls from a XXXX from Alliant Capital Management they started saying if I did not pay {$13000.00} and set up payment arrangements that they were going to pursue a judgment on me and garnish my wages and I need to lock in with them right then and right there. I was scared and frightened. I did research and no such company exists. I do not know if it is a legitimate company and do not want to make payment arrangement unless I am certain and I do n't like being threatened. The original amount of my loan was {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CNG FINANCIAL CORPORATION
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
NetSpend.com opened a prepaid debit card under my name with a fraudulent person. When I asked for details regarding the account to provide to the policy for the identity theft, they refused to provide any information. They created a fake account and attempted a hostile take over of my personal bank accounts.

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 2017-09-07
Company: BB&T CORPORATION
State: MD
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:
Eighteen years ago, in XX/XX/XXXX, my then-husband and I opened a line of credit with BB & T bank in XXXX, MD. We owned a business and the line of credit was for business use. Although the business was sold a year or so later, apparently the line of credit was never closed ( it had a zero balance ). My husband and I divorced ; the divorce was final in XX/XX/XXXX One of my primary reasons for seeking divorce was his overspending, which brought us close to bankruptcy and caused our house to go into foreclosure. I thought divorce would finally release me from being financially tied to him. But no. Last month I was notified by XXXX XXXX that my credit score had dropped due to increased debt. I checked my account and saw a debt of {$1900.00} at BB & T. I immediately filed an online dispute and was notified that it was a valid debt, but it is not mine. It is my ex-husband 's. In XX/XX/XXXXorXX/XX/XXXX, he went to BB & T ( still his bank ) to open a personal line of credit. They informed him that he still had one. Neither they nor he thought to verify the owners of that account. So this new debt of his was posted to my credit report. I do n't know if this qualifies as fraud, but it certainly is negligence. And it has negatively impacted my credit, which I have been working for the past three years to repair. I want my name taken off this account and my credit restored. My husband currently lives in XXXX, PA and has been unsuccessful in getting this problem fixed. The bank manager there, XXXX XXXX or XXXX says there is nothing they can do. How can this be right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

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 2022-02-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my wallet was stolen from a local XXXX grocery store on XXXX XXXX XXXX around XXXX. There were multiple locations my debit card was used. 
Transaction # 1 : XXXX XXXX amount {$16.00} Transaction # 2 : XXXX XXXX amount {$150.00} Transaction # 3 : XXXX amount {$92.00} Transaction # 4 : XXXX amount {$56.00} Chase Bank called my personal cell phone and contacted me by email during Transaction # 5 at XXXX XXXX XXXX XXXX amount {$55.00} asking if this charge was valid. 

I immediately said no, check my purse for my wallet and realized it was missing. Called Chase customer service that night around XXXX to report my card lost/stolen have it closed and dispute the charges. 

Chase initiated claim # XXXX with all 4 charges attached to the claim. 
They refunded the 4 charges on XX/XX/XXXX during the investigation. 

On XX/XX/XXXX Chase sent a letter saying that the charges were again being reversed because they were authorized. 

I received a notice on XX/XX/XXXX that my personal account was overdrawn because Chase decided to take the money back even though they are the ones who suspected fradulent charges in the first place. I called Chase and they are now asking that I submit work timesheets and pictures of security footage from my home proving that I was at home at the time of the purchases. The representative I spoke to gave me fax # XXXX to submit these documents but said even though I went out of my way to try and prove it wasn't me, I would probably not get my money back and it would be very unlikely that it would be taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I tried to apply for a card, I was told that there would not be a hard inquiry on my credit report. I was told that it would be a soft inquiry instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: TX
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 didnt apply for a loan with XXXX XXXX XXXX XXXX XXXX XXXX and I disputed two years ago and and all sudden its back on my Experian credit report and I never called Experian and I dont remember it blocking it ... I may with other credit bureaus but not with Experian ... Experian is rude and unprofessional with me and I wouldnt dispute it and and XXXX XXXX XXXX XXXX XXXX refused to remove it off my report and holding me responsible for a fraudulent loan I didnt apply for ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Identity Theft Reports, a Police Report, two forms of identification, a copy of " Notice To Furnishers of Information Obligation : Obligation of Furnishers Under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.1687-1681y information and letters to the collection company ( Perfect Collection LL ) and nothing has been done to remove this negative information from my credit report for XXXX. Their claim is that I owe {$4300.00} to a company name XXXX, who sold this debt to Perfect Collection LL. This company has refused to acknowledge that the information they have clearly shows it is not my signature ( or name ) and I did not authorize whatever that company says service was given on my behalf, and I have not authorized anyone to use my information. I also will be reaching out to an attorney if this doesn't get the matter resolved. All the information listed above was sent to the company on XX/XX/2019, and I should have had a response by XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of 2017 I noticed something on my credit report from Diversified Consults in the amount of XXXX . I reached out to them by letter and they replied that the debt was for a XXXX account I supposedly had. I requested the debt be verified with a signed contract, a receipt, anything besides this company claiming I owe it. They replied with the same letter showing my name, an amount and XXXX name. I have subsequently requested this debt be verified in XX/XX/XXXX and again in XX/XX/XXXX. They have not verified the debt and continue to re-report onto my credit report every month, gaming my credit score. Not only is this an unverified debt, it is predatory collection as they know its not a valid debt and continue to report false and misleading information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I tried to apply for a card, I was told that there would not be a hard inquiry on my credit report. I was told that it would be a soft inquiry instead.

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 2022-07-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent me numerous written warnings about an amount they claimed I owed that was not owed. I attempted to rectify this with them on multiple ocassions, and they remained unhelpful. This has now been sent to collections, and my credit has already been dinged. This sounds like a common illegal practice by this company, as there are class-action lawsuits in multiple states against them. I have joined the class-action suit in my state of Colorado.

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