BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: National Credit Systems,Inc.
State: WA
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:
My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in default on a mortgage made originally to XXXX then purchased by XXXX. I was working with XXXX on a Short Sale on the subject property due to financial difficulties. During the Short Sale process the loan was sold to Shellpoint Mortgage. I understood the need to begin the Short Sale process over again and did so. Completed paperwork XXXX times as each time due to Shellpoints delay the paperwork had to be updated. Was approved for the Short Sale then Shellpoint held up the process. Buyer walked a way in frustration. Then agreed to do a Deed in Lieu. This last action was agreed to over XXXX months ago. Shellpoint provided a list of items they required for the Deed in Lieu. We met each condition. One condition was to remove all tenants from the property so that they could take over the property with their own management team. We vacated the property which meant no income coming in. This was over XXXX months ago and Shellpoint has yet to move on the Deed in Lieu. Only stating to us that paperwork is in process. Shellpoint is adding interest and property management fees to the total owed each month. They refuse to communicate via email or in person. They do not answer their phone and require you to leave messages which they do not return. If they call they do not leave a message. They only send a monthly statement with fees added to the amount owed. We are willing to do the Deed in Lieu or Foreclosure but they refuse to move with regard to completing the process. We are at a loss on what to do. This is very frustrating to say the least. Do n't know where to turn or how to move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter

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 2017-02-10
Company: National Credit Systems,Inc.
State: TX
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 do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the XXXX  data breach and may have ended up in the hands of the wrong people.

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 2017-03-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
About ten years ago my aunt died. I was the appointed Power Of Attorney on her behalf and the beneficiary of her checking account at Wells Fargo Bank. The account was closed after her death. I received a check for the sum of {$11.00} dated XX/XX/2022 recently made out to her name only, for some unspecified fees that were charged to her account. I went to the local Wells Fargo and tried to present the check, death certificate, probate form and last statement of the checking account that listed me as the Power of Attorney. I was told to call a number on the letter that accompanied the check. I called and explained the situation and was told I should present tne check to a bank or send in a special W form to them. This is circular system that isn't worth the effort and probably just serves lawyers. It reinforces my opinion that the banking system doesn't really serve customers, but mainly corporate interests.

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 2016-02-01
Company: AIH Receivables Management Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XXXX/XXXX/16, AIH Receivables, Inc. called me on my mobile phone. I am a XXXX, & I was unable to answer as I was XXXX ( and a XXXX after that ). Within one hour, they also called and left a message for me to call them at my place of employment. They did not even give me a proper chance to call them back. I feel that it was illegal for them to call me at work, and it represented an inappropriately aggressive collections tactic ( designed, of course, to get me to return the call ASAP ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: John C. Heath, Attorney at Law, PLLC
State: GA
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:
Almost 7 years ago I voluntarily gave back my car to XXXX XXXX XXXX Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
I attempted to submit a billing dispute because I was over charged by XXXX XXXX in the amount of XXXX and I was unable to complete online and called there customer care # and person over the phone refused to take my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XX/XX/XXXX  FED  LOAN  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED  LOAN n ever responded to my letter. I sent a complaint to the CFPB about this matter and then FED LOAN decided to respond with electronic copies which I did n't ask for. I specifically asked for the ORIGINAL INSTRUMENT OF INDEBTEDNESS. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XX/XX/XXXX  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/XXXX  FED LOAN jumped the loan amount back to {$50000.00}. I 've also attached my bankruptcy paperwork filed  XX/XX/XXXX  and  discharged   XX/XX/XXXX  which includes  XXXX   XXXX   XXXX   XXXX  in the amount of {$14000.00} and  XXXX   XXXX   XXXX   XXXX   (   student loan )  for {$7000.00} which I do n't see reflected on my FED LOAN statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enter into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX National Systems blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have debt collection on my credit report I do not authorize I would to get it removed from my credit report immediately it do not belong to me I want it to get remove from all 3 credit bureaus immediately Collection agency name : AMSHER COLLECTION SERV Amount : {$930.00} Account Info XXXX Contact 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