BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : XXXX - LVNV Funding LLC account number ending : XXXX - XXXX XXXX XXXX To Whom It May Concern : This email was sent to LVNV Funding LLC regarding accounts # XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, wish they claim Collection. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Pinnacle Credit Services, LLC
State: SC
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:
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Comerica
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, I wrote to Portfolio Recovery, LLC requesting validation and an investigation into items that I believed were inaccurate. 
To date, I have not received any such validation. The only reply I received was a fake letter from XXXX XXXX  dated XX/XX/2020 & XX/XX/2020. Portfolio Recovery fails to provide my request for the alleged contract or other instrument bearing my signature. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. Portfolio keeps deleting and re-inserting the accounts in my credit files. This has damaged my credit score and credit wortness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
there is a company who pulled my credit without my permission called XXXX. However Experien refuses to remove 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 2015-07-08
Company: Pinnacle Credit Services, LLC
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Pinnacle Credit Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions 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:
XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with Experian and XXXX. XXXX XXXX. aka XXXX took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from Experian stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX  XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from Experian that XXXX  was the agency to contact, I spoke with XXXX  on XX/XX/2020. XXXX  advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX  the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by Experian that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency XXXX and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS

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 2016-11-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father took out a reverse mortgage with Financial Freedom Mortgage, a division of OneWest Bank. The bank has foreclosed on the mortgage stating that he was not the primary resident of our home. They sent a process server to serve him with a summons & complaint but my father did n't have the capacity to understand due to him having XXXX and they said that they served me with the summons & complaint which is false. I was never served and their affidavit of service is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Grant & Weber
State: GA
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 had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
Recently checked my credit and noticed multiple accounts that I have never seen before. None of these accounts are recognizable nor did I ever authorize them to extend me credit. I believe someone used my identity to obtain credit and now my credit is suffering tremendously because of 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Credit Management Control, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Management Cntrl. for committing identity theft. I have never given Credit Management Cntrl. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collecting activity, of this and any alleged debts until Credit Management Cntrl can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Cntrl. continues its collection efforts, I will file for litigation for actual damages caused by Credit Management Cntrl. will be held criminally liable for aggravated identity theft pursuant to 18 UCS 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon this receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AFNI INC.
State: FL
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:
I do owe this debt as it was already removed from my credit report in 2016 from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: ADP Inc.
State: CA
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:
I submitted a claim with wisely or XXXX, about charges that are unauthorized on my card. They stated they did a review and its not fraud, I do not live or work in the area that the charges were made. My card was comprised but they will not refund the card. My case number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: NY
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 have sent three certified letters to Equifax,  XXXX , and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( w ho does not have a license to collect debts in N Y )  and  XXXX  which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .      Equifax is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing fo r five mo nths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX 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, CA XXXX. Your professional cooperation will be greatly appreciated. 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 2017-05-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.

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 2020-08-23
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from Perdue Brandon Fielder Collins & Mott LLP on unsubstantiated & false traffic ticket debt with threat of court action leading to arrest. No option to verify debt and they didnt properly disclose themselves as a debt collector. Also Texas Statue of Limitations on traffic tickets is 2 years and any tickets since I last was in the town they claimed would have been nearly 20 years ago so the debt is also invalid due to this. They didnt mention any details about debt owed other than a case number and the city. They are impersonating a government Mandated official. Possibly impersonating as the court or as my lawyer by making me enter a Guilty/Not Guilty Plea.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation