BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I 've been online for months on months, shopping around at different dealerships, auto sales places, auctions looking for a car. I do n't have a car or any XXXX family around, all are 2 hours or more away from me. I have been back and forth with my parents about getting a car so that I work and graduate from school. I finally saved up money and came to an agreement with my dad and he put up some money as well for me to get a car so I can get to my 40 hour a week XXXX and my XXXX hour a week job so that I graduate and pay all my bills. I have day in and day out doing the best I can trying to live right working full time, going to school full time, still trying to have life riding the bus depending on my friends for a ride. How stupid could I have been ; but I 'm so tired and I 'm desperate. I was taken advantage of I saw a post online on XXXX for a car and I responded. I got all the information and details and pictures of everything. The terms and conditions were sound to me, too good to be true as I came to find out. From the conversations I had with this person to the research I did on their XXXX page and XXXX XXXX I felt secure. I held up my end of the deal and followed the instructions given to me to provide payment via XXXX. Thinking back I was n't thinking straight I was n't thinking at all. I was told my payment confirmed and went to check and make sure that it still had n't been taken because that was n't the deal until I received the vehicle. I was instructed to wait for more information on the delivery and was told that I needed to provide more money to insure my delivery. My worst dreams were realized I immediately called XXXX who gave me the run around I eventually found out I was a victim of fraud. Hung up and immediately called the card company and was then told that the cards were as worthless as lost cash. After begging for their help I was told that the cards were used to purcashed items from XXXX and after cutting the cards off filing fraud theft stolen I cried and cried and cried some more. Then I called XXXX and spoke to the unknown charges department and they found the charges and were able to freeze the charges close the accounts. They told me to contact the police, contact my card company I did both and went back all the way to where it started contacted XXXX, XXXX, my dad, XXXX, XXXX XXXX XXXX, XXXX XXXX. I needed to make sure I covered all my bases notify everyone gather all my information for disputing these charges and getting my money back to me. A process I was told could take up to 60 days or longer. Perfect timing it 'll be time for me to be finishing up my internship with exactly enough hours and hopefully graduating. Pray for me. Please help me bring whoever did this to me to justice this is not right they ca n't get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ZARVAD III S.A.
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: OH
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}

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 explanation
Consumer complaint received 2022-07-19
Company: ALLIANT CREDIT UNION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX XXXX  XXXX I called Alliant Credit union because I was not getting 2.5 % cash back. I had done and was doing everything the representative told me to get the 2.5 % cash back. In XXXXXXXX XXXX XXXXXXXX noticed I was getting 1.5 and not 2.5. I Called Alliant and they fixed the issue and apologized for not giving me the 2.5 % and credited me the correct amount. I was told at this time I was on 2.5 % cash back and would remain at that cash back rate as long as I followed all the rules. ( have a balance of {$1000.00} make a monthly deposit and have E statements ) I have followed all of these rules ever since the phone call in XXXX but I was placed back on the 1.5 % cash back. I called XX/XX/XXXX to make sure I was still on 2.5 and found out I was on 1.5. The representative told me he could not see a reason I was not on 2.5 and would contact me and let me know the results of their research. Nobody called me and today XX/XX/XXXX I called and was on the phone for around 1 hour trying to have someone explain to me why I am not at 2.5. After several explanations that changed several times I was told it was because I didn't have a balance of {$1000.00} in my account for a few of the months this year. However when I had the representative check my balance he confirmed that I have always had over {$1000.00} balance. He told me he is going to have to do more research and get back to me... .This is what I was told before so I am skeptical anything will come of it and I am afraid this company is cheating me and other customers out of 1 % almost 1/2 the cash back they are promised. In addition to this I have had to spend 15 plus hours on the phone just to try and correct the mistakes Alliant credit union has been making.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.

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 2022-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the debt collection agency, ARS Account Resolution, XX/XX/2022 around XXXX pm EST, asking about 4 collections that appear on my XXXX credit report. I did not know where these debts came from but I was looking to settle them because they were so low in price. The debt collector could not find 3 of the debts and didn't have any recollection of 3 of the debts. They were only able to locate one of the debts that I paid. They are scamming me. They gave me two numbers to other companies who were clueless about the debts ARS claimed I owed.

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 2022-03-24
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services at XXXX XXXX XXXX, Mt XXXX XXXX XXXX, charged me {$2000.00} on the back end of my mortgage from an forbearance that I had taken. My balance was {$15000.00} left on the back end, I try to do a payment plan but they told me I had to refinance through another bank. From XXXX I was charge per day interest at 2 % ON {$15000.00}. I wrote the mortgage company and asked for a broke down of the charges and received a letter stating that I needed to pay the interest and to have it wired through a bank. 

I need to know what calculation was use for the balance on {$15000.00} that I had to pay {$2000.00} at 2 % my math is totally different from what they charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Byrider Franchising, LLC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I rented a car and after returning the vehicle the rental car company made unauthorized charges to my account by stating the car was damaged.The amount of damages was highly inflated XXXX and they could not provide proof that I caused the damage or that the repairs were actually made.I notified my bank about this unauthorized charge that not only wiped out any funds I had in the account but was also hit with Overdraft fees.The bank states since I gave the car rental company my card information they could do nothing for me and also refused to reverse/cancel the Overdraft fees stating it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance is due immediately, if not paid my policy will cancel effective XX/XX/2020. I have sent 3 emails to Shell Point Mortgage requesting to pay my homeowners insurance from my escrow. My homeowners insurance is due to XX/XX/XXXX and to date they have not received payment.

Shell point Mortgage is the worse loan servicer on the planet. I am sick and tired of trying to work with them. To date I can't even make a payment on my mortgage through their website, it continues to state " this account cant make payments online ''. Plus my mortgage is current, so HELP ME UNDRSTAND WHY MY account is flagged. Shell Point Mortgage forces you to call in and wait on hold for over 1 hour. This is ridiculous. They did the same thing with my 2020 property taxes, paid them late after I reported a complaint for them.

I will not be put through any inconvenience if Shell Point Mortgage fails to pay my homeowner is insurance on time. 

The homeowners insurance is scheduled to cancel in 3 days from Monday XX/XX/2020.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every time I try to get my supposedly free annual credit report, I'm blocked from getting it because of bogus questions from TransUnion and XXXX  ( answers always " none of the above '' ), and XXXX  the problem suggests I'm not alone. XXXX  is the only company on there that doesn't try to dodge legal requirements by claiming they can't confirm my identity unless I physically mail them documents. Maybe I'm wrong, but it seems like they're just creating an extra obstacle to stop people from accessing their credit reports for free. What's arguably worse is that I can't check for fraud because the questions they rely on to confirm identify are the same questions I wouldn't be able to answer correctly if my identity had actually been compromised!

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 2021-04-21
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Rent recovery solutions/ XXXX XXXX XXXX, XXXX XXXX XXXX , GA XXXX is still calling my phone harassing me about a debt collection I do not own. I asked this company for debt validation and to this day they have failed to validate the debt they claim I owe them. Its been over 3 months and still no debt validation letters. This company flagged XXXX to have this collection placed in my credit file. I have good credit and all on time payments in my credit file and this company is making my character look bad. I know my consumer rights and this company is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A Captial One credit card was taken out in my name in 2014 by my now estranged wife, this information was never given to me and I never agreed to or signed any document to open this line of credit. I have only now found out because she stopped making payments on the card after filing for divorce, someone told me she was bragging about having opened a card in my name and I checked my credit report to find it was in fact true. My wife does not even deny that she did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Bank is still showing an open account for a lease that ended and was paid in full. Their account remained open after the lease was paid in full and the car was given back. There was a delay in the bank arranging pick up of the vehicle which was their problem. I paid off my lease in full. They are still showing an invalid amount and open account status. This was paid off in full prior to the 39 months. Last payment was XX/XX/2017 lease ended XX/XX/2017. The onus was on Ally to make arrangements to pick up the car, no local dealership would take the car back. I started addressing the issues with Ally in XX/XX/2017 and multiple representatives were aware of this issue. I was advised numerous times that this was resolved and taken care of. However, this still remains on my credit report as an open account which is in error. I was advised nothing about any remaining balance or outstanding account. This is fraudulent and in error by Ally. I satisfied my 39 month lease in full and there was no balance remaining after that 39th month. This account needs to be closed as paid in full and reported to the credit bureaus as paid in full and closed.

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 2020-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Experian and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Experian thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that whitout any proof, incredible? When I contacted Experian I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX  along with proof of signature receipt from the USPS, and they only answered me through online, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Experian to remove this information from my credit report 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 2017-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allegedly XXXX claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.

Company response to consumer: Closed with explanation