BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed and asked for validation of XXXX accounts from XXXX. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and XXXX XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Avant Credit Corporation
State: TX
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:
Someone open a credit card in my name and I was trying to contact my investigator and his number is always going to voicemail many times I left this XXXX  a message few times and he never called me back at all and I send in documents by email and never got a response back and finally XXXX was rebilled on my account and I was found responsible for the charges and I refuse to pay for it ... I never used the card and I didnt apply for it the guy name is XXXX and his extension is XXXX avant- already did a few chargebacks to the merchants so I dont know why they found me responsible for this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since 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 2021-01-14
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Vehicle was bought on XX/XX/XXXX if you see the records that Honda Finance has payments were not my account they were from XXXX XXXX who had possession of the car. When the dealer called me on XX/XX/XXXX he made it seem they were just using my income for a better interest rate. Me being trustworthy and needing to leave, the salesman just ask me to sign and get on my way and I did. On XX/XX/XXXX I received a call that they were looking for the car for repossession, I asked the investigator to give me a few weeks to find out what was going on. He agreed, A week I was able to get a hold of Ms. XXXX and she told me that the car had been repossessed. A few months later I received a note for the money owed but liked I've explained to Honda that vehicle was not mine. All they have to look is the account the payments were made from

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you XXXX XXXX

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 2017-03-01
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do n't believe this ... ... I am right in the middle of financing and the lender had to pull my credit one last time before I fund ... .. all of a sudden I have literally have 9 collection account appear on my credit from Rash Curtis & Associates XXXX I do n't know who they are or what this is about but I have never received 9 different collection notices from them. I HAVE NEVER EVEN RECEIVED ONE!! 

I am going to file a complaint with the FTC and the Attorney Generals office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed several complaint about the collection agency XXXX, Address XXXX, XXXX XXXX, XXXX, SC, XXXX. Amount of debt is {$3500.00}. 
Equifax has not removed this account even though I have disputed this account several times. XXXX has removed it, but Equifax has refused to remove account. 
The account # listed to Equifax is XXXX to XXXX amount owed {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been trying to close on our home, but our mortgage company ( Carrigton Mortgage ) constantly fails to provide an accurate payout amount to the title company or to us. Moreover, the company charges a late fee to all customers closing on their mortgage, regardless if a late fee has occurred. They inform us that they do this because they assume we are going to be late on our payment. Is this practice legal? In addition, they are not being clear on the current status of our escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an account which I have disputed and it is unknown to me and appears to be very old. I have tried to get this removed off of my credit file with no luck or validation provided. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-14
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:
I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

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 2015-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
unauthorized account are being reported on my file and i would like them to be removed

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 2015-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One refuse to validate. I do n't remember paying anyone credit company since XX/XX/XXXX. They said its XX/XX/XXXX, I know its not correct. 
XXXX I sent a letter to validate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: CONDOR CAPITAL CORP
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This manufactured home is located in XXXX XXXX XXXX XXXX, dba XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX a land-lease community. The resident was evicted in XX/XX/XXXX from XXXX XXXX, XXXX, MI XXXX. The home was financed by Conseco, which was bought by Ditech, which was then bought by XXXX XXXX. We sent letters to Conseco and Ditech on XX/XX/XXXX as our first attempt to collect the site rent due, included with that letter was a copy of the Futernik v Vanderbilt Mortgage and finance Michigan Court of Appeals ruling. We sent a second letter on XX/XX/XXXX, trying to collect the site rent owed, including the Michigan case law again. We sent a third communictaion on XX/XX/XXXX including an invoice for site rent owed. We sent two copies, one regular post and the second certified. 
We completed a title search on XX/XX/XXXX through the State of Michigan which listed Conseco Financial Servicing Corp. as the first Secured Party on the title. On XX/XX/XXXX we received our regular post letter from XX/XX/XXXX back unopened. 
On XX/XX/XXXX We sent our fourth letter to Ditech Financial. On XX/XX/XXXX we sent another letter to Ditech Certified mail and received confirmation of this letter being received by Ditech. On XX/XX/XXXX, there was a noticed placed on the home stating the home was under XXXX XXXX XXXX, a subsidiary of XXXX XXXX, and the home was winterized. On XX/XX/XXXX we sent XXXX XXXX XXXX a package containing previous communications and an updated invoice for the site rent. We never heard back from them. 
On XX/XX/XXXX we received an email from XXXX XXXX  listing the home serial number XXXX, at XXXX XXXX XXXX, MI XXXX for auction to be sold on XX/XX/XXXX. I sent an email to the email listed and received an email back indicating that they only had possession of the home since XX/XX/XXXX and only owe site rent since that time. 
I have included all communications and documentation deemed pertinent. I also verified that no new title has been requested since the original title in 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 2016-07-09
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 we deposited a check in the amount of {$66000.00} XXXX dollars into our Key Bank account. At the time of deposit, we were provided a XXXX Collections Form from XXXX XXXX No other notices have been provided. As of XXXX XXXX, 2017 we have 1 ) not received the funds 2 ) the bank can not provide us any information about the check, when we might expect the funds to be in our account, or even what the expected amount of the deposit will be in US dollars. Upon contacting the bank branch, we were told that they did not have any information however the Relationship Manager would call on Monday and try to obtain a status. No call has been received from said Relationship Manager. On Monday, XX/XX/XXXX I called Key Bank to initiate a complaint, and was told it would take approx. 5 business days for a return call. 
At this point, it has been 17 business days ( not including Saturday ) and we have received no information whatsoever from the bank, nor do they seem inclined to be concerned on our behalf.

Company response to consumer: Closed with explanation