BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: TN
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:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient representative named XXXX called my work phone number today, XX/XX/2022 around XXXX. I have never provided Navient with my work number because I do not want them to contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS Collection at XXXX XXXX XXXX, MA XXXX has been sending me collection notices in the amount {$190.00} the collection has been reported as pasted due balance i do not know this company i have never done any business with this company this company does not have a contact with my signature

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Circle Internet Financial
State: PA
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: OK
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:
According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681b States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for XXXX and Experian, to do the same due-diligence and delete this account.

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 2015-09-16
Company: Halsted Financial Services, LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Halsted Financial contacted me trying to collect on a debt that I do not owe. I asked to be emailed the information concerning the debt on XXXX separate occasions I was told that the emails were sent. I checked regular and spam folders, no email explaining this unverified debt. I am being harassed by a pre recorded message telling me to contact their office immediately of be faced with legal action. I have asked not to be contacted as well as debt verification, neither has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I flew to the United States to open a personal checking account. I was able to do it at SunTrust Bank ( now Truist Bank ). Everything ran smooth ( all transactions ) during that year until XXXX XXXX. Suddenly in XX/XX/XXXX, out of nowhere Truist Bank blocked my account, also restricted my access to online banking without even explaining what was going on. I called several Truist customer service numbers ( XXXX ) ( XXXX ) and the hold was for hours. Calling those numbers is a real nightmare. I spent 2 months ( XXXX & XXXX ) calling and nobody was able to explain why the bank had inactivated my account. Finally after months of calling, waiting for hours, a service agent told me to call a different number ( XXXX ) Fraud related!. At least the waiting time in this new number was lesser. All the Bank told me was that my account was under investigation and that I had to wait for the investigation to end. Meanwhile I dind't receive any calls, emails explaining the process or at least providing me with a contact person. This month ( XXXX ) I was surprised when I called again, the service representative told me that the Bank closed my account and the Balance today was cero {$0.00}. When the Bank inactivated my account in XX/XX/XXXX, my last balance statement was {$14000.00}

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 2016-04-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!

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 2015-10-12
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card
Issue: Credit determination

Complaint:
I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.

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 2016-07-31
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.

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 2020-07-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was threatened to be sued and put in prison for things that I have no hand in. I shouldn't owe anyone anything. I have been hassled for at least 4 years for loans that were taken out by my ex wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: Paypal Holdings, Inc
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX I sent my daughter XXXX dollars through my PayPal to hers. I did this while on the phone with her and she immediately received an email confirming I had sent XXXX dollars per PayPal. I assumed everything was fine since she got this email. XXXX XXXX, 2016 she calls me and has n't received this money in her PayPal account so I went online to check what my transactions looked like. I found that this money was sent to a XXXX XXXX PayPal account. called PayPal immediately and their response was it happens all the time because I used her telephone number to send the money and this XXXX XXXX has the same phone number on his account and I should have sent this per her email so that would n't happen again but nothing on their site says this is a danger and to use email account instead of phone number. I asked them to stop this transaction before my money got in his account and they told me it was to late they could n't do anything until this money was in his account. I talked to a lady named XXXX who is a transaction specialist she told me same thing and they were n't liable for this kind of transaction but she would email this XXXX XXXX via email and explain to him this money was sent to him in error and she would ask that he send the money back to sender which is me. she told me that if he did n't all she could do is do a chargeback on the money and go from their. My problem was that she said she would keep me informed and she would try to get this money back to my account if she could. I do n't feel like PayPal is doing anything to get this money back to me. I have received no emails from them about what is going on. I feel like I let them know we had a problem and before it was in his PayPal account. I just do n't understand why she received the confirmation email and the money went to the wrong account. I need help from someone to see what happened. and why they could n't get this money back to me. I cant help but believe that this XXXX XXXX found a way to copy my daughters phone number to get this money. i tried to email him myself and my message was returned to me reading that that email address was not a valid address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: Halsted Financial Services, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called over four times a day. Hung up when my spouse answered. Repeatedly asked them for information and refused to provide or send information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a letter from Robinson, Reagan, and Young in XXXX TN located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX. The letter said that I owed {$6900.00} due as a medical bill From XXXX XXXX XXXX. I called the firm and asked about this I said to them that I did not owe this amount and that this was a mistake. The firm said that I did and to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX they told me that they could not find any debt in my name. So I called the firm/Collection Agency and they denied it, and told me to call again. So I called again and they again denied that I owed anything. So I called the firm again and they agreed that they would look further into my case. When I called them back they said that it was a mistake and that they would take it off of my credit Report. It has been about a month and a half and it has not been the case.

Company response to consumer: Closed
Consumer complaint received 2016-07-11
Company: Northstar Location Services, LLC
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:
Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.

Company response to consumer: Closed
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with Chase Bank USA NA, I was unable to pay it due to an illness and loss of job. They charged it off. In XXXX I received a XXXX from Chase Bank USA NA. I claimed the {$2100.00} on my taxes. In talking with several people in the mortgage industry, I was told that Chase would keep the charge off on my account, but the balances would be zeroed out, due to the XXXX. I feel that because I had to record this as income on my taxes that the amounts should be removed from my credit report. I have tried to talk to Chase, but they told me that I had to pay the balance in order for them to remove it. I have already claimed it as income on my taxes, now they want me to pay it to them? Please point me in the right direction, as I wish to get a mortgage and need this removed from my account. Also when I disputed this they changed the date on most recent reported and I was told by the mortgage company that it looks like I was working with them to correct this on XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
****NO. 1. SLS continues to receive payments from the City of XXXX EVERY MONTH on behalf of a family member in excess of {$300.00} but IS LYING ABOUT NOT HAVING RECEIVED THESE PAYMENTS AND REFUSING TO APPLY THE PAYMENTS TO MY ACCOUNT. The checks CLEARLY have the account number written on them. These payments have been sent EVERY month since XX/XX/XXXX. I'm in receipt of each and every check no sent. 


****NO. 2. The payments in question are sent each month IN THE SAME ENVELOP as the payment on my behalf of {$600.00} WHICH SLS IS APPLYING TO THE ACCOUNT. 


****NO. 3. By not applying the payments on behalf of the family member SLS is MAKING IT APPEAR as though my mortgage is delinquent.

****NO. 4. Each time I call to and ask why the family member payments are not being applied, I get the same robotic answer from the " customer service '' tellers that they DON'T SEE THEM being applied.

****NO. 5. When calling on XX/XX/XXXX at XXXX ( XXXX  ), I spoke with XXXX ( Teller # XXXX ) who asked about the delinquency of the account and I explained to her SLS was not applying the {$300.00} payments. SHE SAID SHE WOULD MAKE A NOTE ON MY ACCOUNT. 


****NO. 6. My question : HOW CAN SLS APPLY ONE PAYMENT AND REFUSE TO APPLY THE OTHER PAYMENT ENCLOSED IN THE SAME ENVELOP? WHY IF MY ACCOUNT HAS BEEN NOTATED ABOUT THESE PAYMENTS, SLS HAS NOT ADDRESSED THIS ISSUE? 


******PLEASE ANSWER THE PRECEDING QUESTIONS TO RESOLVE THIS ISSUE*******

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 2016-04-30
Company: United Student Aid (USA) Funds
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 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.

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