BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Block, Inc.
State: GA
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/2022 I went to make an ATM withdrawal, and the money was not dispense from the ATM and I, received a receipt stating my withdrawal could not be completed at this time .that all the information I needed to make, My claim was included on the receipt. I also sent customer support cash app multiple times the pictures and the documents that I had to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
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 WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgement against me which I paid off a few months ago. This company took my payment and refuses to give me my warrant of satisfaction. I have called and emailed them as well as had my bank call and email them and we have gotten absolutely nowhere. They claim that they dont issue the warrants, that they only collect the money and foward the info. They also refuse to tell me who they forward the info to and/or what attorneys represent them. They say that they dont know because its always changing. All I want is my warrant of satisfaction so that I can file it with the court and have it removed from my record. The debt is paid and there is no reason I shouldt get this. Ive tried for months and gotten nowhere. Please help me with this simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Omega RMS, LLC
State: CO
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:
A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, XXXX, a subsidiary of IndyMac, fraudulently induced my late mother into executing a high-cost, predatory reverse mortgage transaction insured by XXXX after IndyMac was already ceased by the FDIC. 

The transaction declares that my mother received approximately $ XXXX, paid of an existing mortgage for approximately $ XXXX, demanded approximately $ XXXX in closing cost from my mother, and in return, she received a check for approximately {$200.00}! 

Since then, Financial Freedom and OneWest Bank have caused at least XXXX counterfeit instruments titled " assignment of mortgage '' to be recorded upon my mother 's title, the first of which falsely asserts that XXXX was the grantee, and resulted in the unlawful conversion and forging of a transferable record created without my mother 's knowledge, consent, or her electronic signature as required by federal laws ( XXXX and XXXX ). 

Upon checking the XXXX, I uncovered that XXXX, not Financial Freedom, OneWest, or CIT Bank, is declared the owner of the aforementioned unlawfully converted and forged eNote and corresponding paper note. To the contrary, OneWest as a Division of CIT Bank, not XXXX, is the foreclosure Plaintiff in an unlawful debt collection attempted commenced in the XXXX XXXX XXXX NJ as of XXXX XXXX using the aforementioned counterfeit documents and false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX/Comenity/Victoria A fraud packet was sent to XXXX XXXX XXXX and XXXX which is complete and within the parameters to be blocked under section 605B. Block of information resulting from identity theft.

Per XXXXXXXX they stated that once they receive my packet, upon initiating the dispute, XXXX sent over a copy of the affidavit as well as the police report and all relevant documentation to assist in their fraud investigation. 

Upon communicating with Victoria fraud department, they stated that they did not conduct a fraud investigation in fact, they said they only investigated it as a dispute and were not in possession of the documents sent to XXXX. 

The process governing investigating identity theft claims was not performed in this situation. Documents that were supposed to be provided were not provided, and Victoria secrets corporation failed to conduct a fraud investigation on this account which created a long term insertion of this fraudulent information on the credit report. 

If the collection agencies fail to do a proper investigation into identity theft, then the consumers left no true and honest way to correct their issues from being victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Real Time Group, Inc.
State: CA
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:
In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to Real Time Resolutions. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. Realtime Resolutions responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, W2 and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a checking and savings account with Chase Manhattan Bank. My brother is my Power of Attorney ( POA. ) I have a durable POA, Chase will not accept this form - they want their own form/individual form to be completed. I will do that - but they require it to be completed by us together, at a Chase branch. 

My brother and I live in different states. Chase said the only way it can be done is if we go to the branch together. If he lived in XXXX, is he supposed to travel here to go to a Chase branch with me? 

This is a ludicrous. Every other bank I do business with either has a form I can print at home and have notarized, or will send the form to me. I can have my signature notarized, mail the form to my brother, and he can get his signature notarized. We do not have to go to a branch together. 

I contacted the bank twice, and got the same useless response from them. 

I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Continental Finance Company, LLC
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
MATRIX CARD, CONTINENTAL FINANCE REFUSES TO HONOR THE CREDIT PROTECT AND LIKE WIFE XXXX XXXX MUST DISCARGE ENTIRE BALANCE OR BE SUED IN STATE COURT FOR MIS LEADING THE CONSUMER ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Utah System of Higher Education
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was transferred to UHEAA from XXXX. The monthly payment increased from XXXX to XXXX, they are unwilling provide an explanation for this increased.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: TX
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2016-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed a Ch. XXXX Bankruptcy in XXXX California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid CHASE accounts in full. 

XXXX - CHASE reports XXXX " Derogatory '' accounts. 
The first account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 
The second account # XXXX is reported as " Negative Account, Closed Account ''. It continues to report the " Status '' as " Wage Earner Plan '' and reports negative payment history entries such as XXXX XXXX. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and " Potentially Negative Closed ''. 

XXXX - CHASE reports accounts # XXXX and # XXXX as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report " Status : Payment Plan '' and in " Remarks Chapter XXXX ; wage earner plan account ''. This account should also be reported as closed. 

I have disputed the incorrect information XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to CHASE and ECAST Settlement Corporation, the address listed with the Bankruptcy Court. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-26
Company: Utah System of Higher Education
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX was managing this loan but moved it UTAH HIGER EDUCATION ASSISTANCE AUTHORITY ( UHEAA ) earlier this year. At the time it was moved to UHEAA, I was on deferment due to hardship. Prior to my applying and being granted deferment, my monthly payment was {$280.00} but I consistently paid {$300.00} monthly for over two years. On XXXX XXXX, 2016, UHEAA sent me a Repayment Disclosure Statement, which showed that my loan amount had ballooned in spite of the fact that I was paying a little more than my monthly repayment sum ; also, I was making payments even while I was on deferment to eliminate some of the principal and the interest that would have accrued during the period of deferment. Surprisingly, UHEAA statement did not reflect those payments. 
I am truly suspicious of what UHEAA claimed to be the balance of this loan. I had called them several times in my attempt to get answers to my questions but I have not succeeded in speaking to anybody because I am usually put on hold for AT LEAT 30 MINUTES on each occasion that I do hang up out of frustration. 
My School was University XXXX, XXXX Texas

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 2016-03-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company CIT Bank NA listing a Mortgage on my credit file that is inaccurate and false information reflecting an account number XXXX. I have never had a {$620000.00} mortgage loan. I have disputed this information prior without a single response. This information is false and violating my rights. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation