BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for rideshare, that was originally leased through XXXX XXXX leasing, later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. I have been registered at my address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX ; I verified my account in good standing before closing the account is XXXX XXXX ; I verified my account in good standing after closing the account is XXXX XXXX I have never been contacted in any way by XXXX XXXX  since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing. I mailed a demand letter which was received on XX/XX/XXXX an Im aware the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Santander Consumer USA Holdings 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 disputed this account several times with no follow up from XXXX XXXX with verification. I sent XXXX XXXX a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said XXXX XXXX verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because XXXX XXXXvised not to remove. If this is not resolved I will file a FTC complaint next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Loan # XXXX Re : Short Sale To Whom It May Concern : I know that XXXX XXXX  is the investor and not the servicer on this loan, but I am doing all that I can to expedite this matter as it is extremely time-sensitive. 
With all due respect, I urgently need the short sale approved so we can move to close escrow. It was just approved at XXXX good through XX/XX/2022. That buyer came down with XXXX and was hospitalized. I submitted the backup offer at XXXX. Your BPO expired and you did a new one and somehow increased the value by almost {$100000.00}. I have sent you a higher offer of XXXX and the net amount to SPS and the investor is now over 90 % of current BPO valuation. The buyers have paid a decent sum of money to extend their rate and lock it in. They have sold their house to buy this one. We are all waiting on SPS ( and XXXX XXXX ) and the short sale approval letter to move to close and they call me every day for an update, day after day. RESPECTFULLYwe just need the short sale approval letter so we can move to close and get this bad debt wiped off your books. The house needs {$300000.00} of work, mold remediation, and construction to make it livable. Despite current sales in the area, the last BPO is incorrect and the BPO prior to this one is exactly what this house is worth. THAT SAID, the buyers have agreed to raise their offer by {$25000.00} to {$970000.00}. SPS will not tell me what they need to net, which is such an imbecilic practice and makes the short sale process, which is already long and tedious, even longer with unneeded offers and counter-offers ; just tell me what you need! Even your own reps in the Ombudsman Dept and Short Sale Dept agree with me on this point. It makes no fiscal common sense to play the guessing game on what the investor needs to net in this market. PLEASE escalate this short sale file and please issue the short sale approval letter in the new buyers name so we can all move to close. The buyers have a ticking clock on their rate, are living out of suitcases, and I do not want to start over from square one on this short sale. Everyone is committed to closing, ASAP. The offer amount is above what is mandatedlets close! Your energy and attention to this matter are greatly appreciated! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The credit card company is showing my a

ccount as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using 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 2022-04-13
Company: CITIBANK, N.A.
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I purchased furniture from XXXX XXXX with one item a chair being a special order. I was told my order would take 4 to 6 weeks. On XX/XX/XXXX I received an update telling me that my order was delayed and it would be another XXXX weeks. On XX/XX/XXXX I received another update stating it was still going to be another XXXX  weeks. On XX/XX/XXXX I received yet another update telling me it would be XXXX  more weeks. Finally on XX/XX/XXXX after no additional calls or updates since XXXX, I emailed XXXX requesting they cancel my order and refund me my money. They told me that my order was in and I would be contacted. It was not in and I was not contacted. I was told later by the warehouse manager that the chair did not arrive until late XXXX. I filed a dispute with CitiBank in XXXX and today learned that my dispute was denied. I have NO product. Have since sold the house in XXXX that the furniture was going in. 

I did nothing wrong in this transaction. I paid in advance in good faith that a product would be delivered in the 4 to 6 weeks that I was told. After much patience and over 20 weeks of waiting I canceled my order. I should not be penalized and forced to pay for something that I no longer want, need or ever recieved.

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 monetary relief
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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:
These are not my 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 2017-05-23
Company: GMA Investments, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan 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 received a call in XX/XX/XXXX from a company called Summitt Receivables. They are a debt collector hired by XXXX. Despite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of XXXX for a debt that was XXXX. I agreed to pay back the amount of XXXX in 3  installments of XXXX. I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was XXXX. I called the company to inquire about this and was directed to a man named XXXX. He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the " XXXX XXXX. '' He wanted to know who signed the letter and I said it was only signed Summitt Receivables but it was sent by XXXX XXXX. He then forwarded my call to XXXX XXXX. XXXX XXXX was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took XXXX. She said it 's not valid and you have to make payments in the amount of XXXX. I said I could n't afford that, especially in the summer months as I am a XXXX and do n't get paid in those months. She accused me of bouncing a check to XXXX and threatened that I may very well be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called XXXX and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this XXXX XXXX uses often. This is a horrible company and should be shut down. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Credit Control, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX I got a letter in XXXX  from Credit Control , LLC in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/XXXX and then 28 days later on XXXX XXXX I noticed that there was a new Collection from XXXX XXXX XXXX, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP

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 2020-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently looked at my credit reports and noticed a collection on there from a collection agency known as ARS account resolution. The original creditor name is XXXX XXXX XXXX XXXX NY and the date assigned is XX/XX/XXXX, The date of the first delinquency is XX/XX/XXXX. The amount owed is {$740.00}. I have never used this medical location and don't know how they got my information. Also there is an address on my credit report that does not belong to me, XXXX XXXX XXXX, XXXX, NY XXXX. I contacted the collection agency and they said that there is someone else 's birthday that was not matching mine. I contacted XXXX and XXXX and they said the file a dispute through the CFPB.

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 2020-03-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Equifax on XX/XX/2020 in order to try and remove my security freeze. I was on hold over 1.5 hours and no one answered. I am currently on hold 1 hour and 40 minutes. My online account is locked and they refused to unlock my account even though I verified my information. I asked the representative to verbally asked me the questions because the automated voice is hard to understand, which probably caused me to probably be red flagged. The agent refused. I faxed my request and also mailed my request. This is ridiculous because I'm sure it's not that many people calling to unfreeze their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Received a Letter from OPORTUN ( XXXX XXXX ), PRE-QUALIFIED LETTER, WITH RESERVATION NO. INFORMED ME I QUALIFY FOR A STARTING {$1600.00} LOAN! HOWEVER, WHEN I WENT TO THE COMPANY FOR A LOAN, THE TOLD ME THE LETTER WAS JUST FOR ADVERIZEMENT PURPOSE AND THAT I WOULD NEED TO ANSWER QUESTONS TO PRE-QUALIFY, ONCE YOU PRE-QUALIFY ON SITE, THEN YOU HAVE TO APPLY FOR A LOAN! THERE LETTER SENT IS MIS-GIVING AND MIS-LEADING! THEY TOLD ME I WAS APPROVED AND THAT I WOULD GET A CALL AND I WOULD PICK UP THE FUNDS! HOWEVER, WHEN THEY CALLED, THEY ASKED FOR A CO-SIGNER! WISH I REFUSED! THESE ARE JUST TRICKS TO GET YOU INTO THEIR AGENCY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I continue to have problems financing and my  FICA score i s continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all three credit bureaus and none evidently care what is posted correct or otherwise.

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 2015-10-14
Company: First National Collection Bureau, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?

Company response to consumer: Closed with explanation