BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. 
XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. 
XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. 
Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. 
The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. 


Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Upon receiving a notification of an attempt to collect this debt ( which is invalid ), I wrote a letter within the 30 day time period to the collector ( Central Credit Services LLC ) and sent it certified mail to confirm receipt to indicate this debt was not valid, including that I had detailed notes of my conversations with the original creditor. Within the letter sent to me, it clearly states the following : " If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Months later after never receiving any notification, I noticed when doing a refinance of my mortgage that the collections company had reported this debt to my credit report. When I contacted them to ask about this, the first individual acknowledged that they should have sent me a letter and that it should not have been reported based on that letter. The manager ( XXXX XXXX ) then stated that it was done properly, and that despite the fact that the letter clearly states that " their office '' will furnish a copy of that letter to me, that it was the creditor 's responsibility. I never received any notifications from either, but the main point for purposes of this case is that the debt collector is ultimately responsible for providing that copy in accordance with their letter ( and I presume legally ), and they did not. This complaint is being filed due to the amount of time and energy I have had to spend fighting this inaccurate collection and their violation of procedure, with the net result being the damage to my credit rating.

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 2015-05-07
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Briefly, a nightmare involving Identity Theft dating back to XX/XX/XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with XXXX XXXX in XXXX. 
A company named Dynamic Recovery Solutions appears to be abusively recycling this old XXXX account even though they were responded to in XX/XX/XXXX and it appears that they may be doing this with XXXX 's help. 
A total nightmare going back over 20 years that should simply never be allowed to happen.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: Dynamic Recovery Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting repeated calls from Dynamic Recovery Services on my cell and landline ( unlisted, unpublished number ). I owe no debts except a current mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: Omega RMS, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Other

Complaint:
I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called XXXX XXXX XXXX at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every XXXX weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: SYNCHRONY FINANCIAL
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Purchased furniture from XXXX XXXX XXXX with XXXX months same as cash financing. Payments were being made to XXXX. After a few months went online to make payment and the site would not take the payment. Tried again a few days later. Then called the store and was told that XXXX had sold the account to GE. The merchant nor XXXX nor GE had told us that. We called GE and a gentleman told us that {$100.00} would pay the account in full. We sent the payment in. Since then we 've continued to receive collection notices from XXXX collection agency after another. We talked with GE XXXX times and they would do nothing. We had talked with their employee by phone and had nothing in writing. Now we are receiving collection letters from another collection agency for a lone that we paid in full per the terms. GE is wanting interest and other charges for an account that was paid in full within the time frame of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collector is attempting to collect on a debt that is time barred and past the statute of limitations. I have n't been known by that last name in over 7 years. The account is no longer reported on my credit profile and is considered time barred. No validation and or authorization to contact me has been provided. TIME-BARRED DEBTSA new practice has arisen in the debt collection industry. Old, charged off debt is packaged and sold to other financial entities for as little as a penny or less for a dollar of old debt. These debts are old and often barred by the statute of limitations which limits the period of time during which a lawsuit may be filed to collect the debt. 
Thus, a time-barred debt is XXXX which can no longer be collected by legal means due to the passage of time, e.g. - - lawsuits, wage garnishment, liens on real estate, etc. These buyers of old debts are " debt collectors '' covered by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. Dynamic Recovery Solutions response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: NCS, Inc
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector " NCS , Inc., dba Noll Collection Service '' made misleading statements to me. First, they stated that medical debt is not discharged in a Chapter XXXX. This statement is false, and can be verified through legal research on your behalf. Second, I asked debt collector for a letter of the terms we discussed before payment. Debt collector tried to solicit, via email, a confession of judgment form. Debt collector tried to pass off a legal document as not legal process, which violates the FCDPA. Third, debt collector tried to increase the cost of the debt by collection on a fee for processing payments online. This attempt to collect debt beyond what was originally stated in the agreement creating the debt, and also violates the FCDPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-25
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/XXXX I received medical treatment from XXXX. They sent statements to an incorrect address in North Dakota. At some point, they sent it to collections to National Service Bureau, where it was assigned account # XXXX, and has a balance of {$240.00}. I found out about this when I saw it on my credit report when I looked at XXXX, I called them, and asked why they had not tried to contact me or send me a notice advising me of my rights and given me the opportunity to pay this debt before a permanent negative mark would be placed on my credit report for seven years. Well, they had an incorrect address in the wrong state. When I moved, I notified the USPS and had my mail forwarded to my new address. I never received the original dunning notice I am entitled to, that gives me 30 days to dispute or pay this debt before a negative rating gets placed on my report. 

I spoke to National Service Bureau on XXXX/XXXX/XXXX and offered to pay for the bill, in full, but requested that they update my address and remove this from my credit report based on the fact that I never was given an opportunity to pay it. They acknowledged they had an incorrect address, and still refused to comply with my request. I remain adamant that should I have been given the opportunity as I am entitled by law to dispute or pay this debt within 30 days of being notified, I would have exercised my rights to pay this and avoid this 7 year adverse remark on my report.

Company response to consumer: Closed
Consumer complaint received 2016-12-23
Company: Risecredit, LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I did not ask for a loan from Rise Credit - They are claiming i have an open account with them and that they lent me money. I did not receive any money from them and the last XXXX digits of the account they claim to have sent the ACH Transfers do not match any account that i own. I have explained this to them and they will not move forward with trying to find out who the money was transferred to and they sent me to collections. 
They would not send me any proof of request for the loan. I believe they are a fraudulent company and my credit is now also being affected by their claims - i have been unable to resolve this with them directly and the collections company is continuing to pursue action even though i have explained that the account is fraudulent.

Company response to consumer: Closed with explanation