BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted multiple ( 3 or more times per day ) for at least 30 days by Nation Wide Recovery Services. They were very unprofessional and I thought it was a scam. The representatives spoke broken english, barely intelligible, had a poor phone connection so I could not understand them, called from multiple different zip codes, and asked me for my personal information without explaining the purpose of the call. I have never received anything in writing from this company, they refused to email or mail me any information as to what the debt was from, and only responded by asking me more personal information. The debt was charged to me by mistake, but I was ignoring these harassing calls because they came off so professional, I thought it was scammers. The agent threatened to have his supervisor call me on two occasions. I still do not have any detailed information telling me what this debt was for. 
The debt is due to a visit to XXXX XXXX XXXX in XXXX of XXXX. I checked in but left before I was seen by the Dr . Apparently XXXX uses XXXX  XXXX to bill for the ER. When I called XXXX they gave me the number for XXXX  XXXX ( XXXX ). I called XXXX  and the billing department stated that sometimes that happens and she would submit my file for review to verify that no charges should have been incurred, and I should call back in a week. I lost the number and called XXXX, they would not give me any contact info because XXXX  changes phone numbers so much that XXXX  requested they not give out any contact info to patients. I have tried reaching out online to XXXX  to get someone to contact me and get this resolved but have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Bank offers an XXXX XXXX XXXX and they advertise that they will provide XXXX  XXXX reward points for all spend at XXXX online or instore. Upon an audit where I thought I should have more points than they are allocating, I see that they have only been providing XXXX  the points for my spend at XXXX. I primarily only use the card for XXXX purchases. I realize its net spend ( exc taxes ) but they are not giving me the correct amount of points. I went back to XX/XX/2021 as this is as far back as I can go, and there were never XXXX points provided. I have copies of my points account and my credit statements to show spend was at XXXX. By my calculation, I should have another XXXX points. I dont believe I have ever received the correct points, even going back beyond XX/XX/2021. This is false advertising, plain and simple. If they only want to provide XXXX points, then change their site. I have contacted them on several occasions and they state they will look into it and then ignore me. I Lodged a complaint with the XXXX  and they ignored that too and XXXX  closed the complaint. XXXX themselves do not take any responsivity as they do not run the credit program

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previous letter receive by the debt collector statement ( Ocwen loan Servicing ) has sold the servicing rights to XXXX XXXX Mortgage, without my awareness or consent, which is a violation of my contract and rights according to FDPCA. In my defense, I did the following, '' 1st payment was sent certified cashier check in the amount of {$650.00} and it was returned back to me by Ocwen Loan Servicing on XX/XX/XXXX. " 2nd payment sent in the amount of {$650.00} by personal check # XXXX mailed on XX/XX/XXXX and returned back to me. However I 'm paying the escrow myself ( Taxes & Insurance ) since XX/XX/XXXX Homeowners Insurance and Taxes paid in full for XXXX. I later receive a correspondence from Ocwen Loan Servicing on XX/XX/XXXXXXXX ( Mortgage Reinstement Quote ). which is a debt collector. By reviewing my recent copy credit report, It shown on all 3 credit report paid and current for accepted payments for {$650.00}, All payments were paid current according to my payment records, later discover XXXX and XXXX payments was n't applied on the credit report, but the following payments were applied on XXXX, XXXX, XXXX, XXXX, I need to know according to alleged statements I receive monthly, Why are they returning my payments and quote : stating I have the amount do on my account. I need answers ASAP. Thank you kindly

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2017-10-21
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
RAUSCHENBERG, STURM, ISRAEL, ENERSON & Hornik LLP Is trying to collect a Debt that was settled with XXXX XXXX XXXX XX/XX/XXXX For XXXX Card XXXX XXXX XXXX Ive give information that debt was settled

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: The Affiliated Group, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency called me about an electric bill. I didnt know about it but told them I wanted to look into it. I also told them they are not to call my cell phone before XXXX cst since I work. Since then I have gotten calls at all times of day since then. I just called back to tell them that I politely asked them to not call until after XXXX ... .they lady told me they cant accommodate that. I told her all it is is putting a note on the file. She said they couldnt do it. I explained that I am a bill collector also and her response was ... well not at this office. I then told her to just remove my number all together. The company is Affiliated Credit Services and I believe they are Minnesota. I told them before that I didnt believe I owed a bill to XXXX XXXX. I still have not gotten a letter from them either. I am attaching some screenshots of my call history with times.

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 2021-07-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
HELOC was erroneously written off by XXXX XXXX in the middle of a refinance in 2017. Since then, I have been attempting to rectify this situation, including restoring my credit that they have ruined. Please see attached description and documentation.

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 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX i wired XXXX from chase to Merrill lynch and is has been missing ever since. My bank XX/XX/XXXX has tried to do a wire cancel and they say Merril lynch is not responding. I have been on the phone with Merril lynch multiple times and no one can give me any answers. I'm very concerned. I didn't attach my account number to the wire so the wire went into their general account. I still would think if given the treasury reference number and federal ref tracking number they should be able to find it.

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 2022-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
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:
To whom it may concern, This account was charged off XX/XX/2019. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,

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 2020-06-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has allowed a fraudulent account on my credit report, from XXXX, for {$140.00}. The account is not mine. I have no knowledge of this account. I have reported this to Experian. I am asking Experian to remove the fraudulent account from my credit report.

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 2022-05-03
Company: Uplift, Inc
State: MI
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:
XXXX loanwith Uplift has been paid in full as agreed since XX/XX/2022. Uplift hasn't reported to the credit bureaus since then and it still shows a balance on my credit report. I have disputed with the bureaus amd it remains and have contact Uplift directly with no resolution. 

A XXXX  loan with Uplift hasn't been reported on since XXXX and the balance is incorrect by over {$1000.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I visited the local branch of JP Morgan Chase located in XXXX, New Jersey where my wife and I live. I asked that I be refunded a balance on my Chase Credit Card in the amount of {$220.00}. The bank branch manager called Chase Credit Card and after half an hour XXXX the supervisor came on the line and said to the branch manger and to me that the refund check would be overnighted to me as I had repeatedly said I needed the money and that " Time is of the essence ''! XXXX also said that at the latest I would received the refund check on Monday XXXX XXXX. I did not receive the check either day. I returned to the branch and the branch manager again called. This time Chase Credit Card said the check had not be drafted on XXXX XXXX as XXXX had promised but on XXXX XXXX and was mailed out on XXXX XXXX by XXXX but no tracking number was given the branch manager or me. The refund check has still as of XXXX XXXX arrived! And this despite my 6 visits to the branch, 10 letters to XXXX XXXX XXXX the Chairman and CEO of JP Morgan Chase at XXXX XXXX XXXX, XXXX XXXX, New York XXXX, and many telephone calls! I am a XXXX citizen and this experience has proven to be physically difficult for me. XXXX in the branch officer said on XXXX XXXX, " The matter has been escalated to the highest level of the bank! Please call this number and be sure to give them this reference number. '' So I called on XXXX XXXX but no one was able in the Executive Office to speak to me. The next day at XXXX XXXX XXXX from the Executive Office called. He is a " research analyst '' but could not help me get the check overnighted to me. He said, " I need a few days to do research ''! This though both he and XXXX in the Executive Office noted " the matter is urgent ''! Still I did not have my money that I very much need as I live primarily on Social Security. Such poor treatment of me a senior citizen by JP Morgan Chase which with assets of {>= $1,000,000} assets is the largest bank in the United States and one of the largest banks in the world! JP Morgan Chase refused to wire the refund to my JP Morgan Chase checking or savings accounts! The local branch has washed its hands of the matter. The Executive Officer refuses to send me the refund check overnight! And all the time, to repeat, a really need the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23
Company: GreenSky, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not done business w ith LVNV funding. I do not have a signed contract not any contract with LVNV funding. I have the right to demand to see a signed contract between LVNV funding and  myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Chase Marriott Card XX/XX/2020 Caller left me a voicemail regarding a correspondence along with a phone number to call them back. Called phone number and spoke with agent. She would not connect me with the other party, nor provide details to what the original call pertained to. 

Representative kept repeating the same question and telling me I was being argumentative and unwilling to provide her with the details she needed to connect the call the correct party even though I provided a word-for-word account of the message that was left for me. 

Representative then threatened to take immediate negative action on my account if I would not set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I received a letter from a company labeled as XXXX  XXXX saying that I was being charged {$200.00} for a device I did not turn in earlier in the year when I quit using the device because it did not work correctly and was costing a lot of money. I had turned in the device to my local XXXX XXXX store in XXXX XXXX, so I ignored the letter thinking they had not caught up with it. Before this time, I did not receive a bill or statement saying I owed money for early termination or anything else. XXXX XXXX is associated with XXXX XXXX, and billing typically goes through them. In XXXX, I got a collection notice from a firm called Aldous and Associates for the {$200.00}. When I called them, I told them I had turned the device in, but they said the money was an early termination fee. This whole process seemed strange to me, so I was suspicious and decided to check further into it. In XX/XX/XXXX, I went to the XXXX XXXX store in XXXX XXXX and talked to them about the debt. They could find no evidence of the debt ever existing at either XXXX or XXXX XXXX, and even their collections department said I was in good standing with them. XXXX XXXX tried to contact the number for Aldous and Associates,  but the number was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation