BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in question is based fraudulent charges on a department store charge card in XX/XX/XXXX, a card we never used. We had just returned from living XXXX for XXXX years. I thought this account was closed. It is unclear how our account information was stolen, but it was. When we saw the charges on our bill, we claimed they were fraudulent and we denied the charges. XXXX XXXX agreed at the time soon thereafter. My credit report in XX/XX/XXXX listed the debt as " uncollectible due to fraud ''. In XX/XX/XXXX. Portfolio Recovery Associates, Inc. began to call me and this has continued to the present day. Every time they call I tell them clearly : 1 ) The charges are fraudulent ; 2 ) The department store agreed they were fraudulent ; 3 ) I will not ever make a payment 4 ) Do not ever call me again. My number is on the national do not call list. In the past few months I am now receiving XXXX or XXXX calls per day from people identifying themselves as from Portfolio Associates, but all with different phone numbers so it is impossible to block. This has moved well beyond annoying and is now harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2021-01-04
Company: EQUIFAX, INC.
State: NY
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 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, New York XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: OH
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 requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : 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 explanation
Consumer complaint received 2023-05-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I faxed over the application for forbearance on Monday XX/XX/2023. My mortgage company said that they wanted me to write a letter explaining why I haven't worked in XXXX weeks. I lost my husband XXXX weeks ago. They are making the process very difficult for me. I am trying to get caught up. They told me on Friday XX/XX/XXXX that they would be able to refinance my loan for a higher interest rate. I sent in all the documents that their website requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company and informed them they were reporting false and inaccurate information. I asked them to provide proof of contract with my signature which could prove I owe the debt. They were unable to do so. Instead, the company sent an internet generated billing statement.

I sent them certified mail demading them to cease and desist contacting me and demanded they quit reporting inaccurate information. They violated both demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of internet fraud. I ordered a vehicle and the sale/payment was to be handled through XXXX. This turned out to be a phony company posing as XXXX with their logo and everything. They had me do a cash transfer through MoneyGram to an " XXXX agent '' who would hold the money in escrow while the vehicle was delivered from another state. I had 5 days to review the vehicle and then if not satisfied could return it. 

I have subsequently contacted XXXX, MoneyGram and the local authorities and all have told me that it was a scam and that XXXX and MoneyGram are not responsible. I accept that but thought I would try to let others know of the scam and register the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DO NOT RECOGNIZE THESE ACCOUNTS ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I NEED THESE ACCTS DELETED FROM MY CREDIT ASAP ALONG WITH THE INQUIRES

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 2016-09-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello good day XXXX, this is XXXX XXXX XXXX XXXX, i tried calling your consumer care number regarding a transaction that i carried out me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE..XXXX XXXX XXXX .I sent {$840.00} to my son XXXX XXXX XXXX XXXX for his school fees in XXXX and the next morning he went to the agent location to collect this money and he found that the money was already picked up by somebody else over there who faked his ID and used another face to collect the money. 
After carrying out investigation on what happened over there the authorities explained to me that XXXX has just XXXX zip code that is XXXX meaning that you can pick up money in any city so far as the money is paid inside XXXX 
My son 's leave in another city called XXXX which is the XXXX and the money was picked up in the XXXX called XXXX but now the authorities over there in XXXX asked me to call XXXX over here to get the proof of payment and forward it to them to financial institution that paid out this money over there because this transaction could only be carried out by the Banker that controls that financial institution that has XXXX services and the Cshier in charge. 
So after calling XXXX for several days now they ask me to contact your bureau so that you people can call XXXX customer care of which i have their phone number here with me and the details of the transaction. 

They said they could only release this proof of payment through you people as im gone to XXXX now to meet my Grand Father if he can help me to get some money while following this investigation because school has already resumed in XXXX and my son is still stacked at home because the hacker faked his ID and use it in collecting the money with the complicity of the banker and cashier in charge, So im writing you people to help me out in order to get this solve and the the XXXX direction will give you people the NAME OF THE XXXX STORE THAT PAID THE MONEY, THE STATE, CITY, THE CODE OF THE BANK AND THE NAME OF THE CASHIER THAT PAID THE MONEY, ,This can be in form of a receipt as they said. 


Here are the details of the transaction that i sent to my son that day. 

Amount .. {$840.00} Reference Number ... ... XXXX Sender ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX 


My phone number is XXXX XXXX XXXX XXXX XXXX ... XXXX Thanks and waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mother-in-law is in the process of selling her house. In 1999, Option One Mortgage had erroneously discharged a loan that they had already assigned away to XXXX, acting as Trustee for XXXX XXXX. I have been attempting to get a new discharge for over a month so she can complete the sale of her property and have been unable to. XXXX claims that Ocwen services that loan for them and Ocwen claims they do not - both sides have been claiming the other is responsible for the loan for a month straight. I am sick of tired of this and my mother-in-law is unable to pay rent at her new apartment or pay the movers or afford regular expenses while this title issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Asset Recovery Solutions, LLC
State: IL
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 getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.

Company response to consumer: Closed
Consumer complaint received 2015-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Was contacted and threatened by law firm not only to sue but to come to our house and seize property in front of our children. Law firm spoke to my wife ( it 's was my debt ) and began negotiating asking for banking information without providing proof of the debt. This debt was passed XXXX to be collected/sued on. Wife tried to negotiate with them after served and was promised that settlement was coming and that told that I did not need to show up to court because we were in negotiating, in which case they got a default judgement. It has further damaged my credit and costing money with lawyer to fight a bill of review. It 's impacting my ability to get an FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Ocwen Financial Corporation
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an ATM/Debit card in the mail on XX/XX/21 from Chase bank for my new checking account. The problem is I don't have an account with Chase or have I ever. After talking with many people at Chase they wanted me to set up a pin number for the fraudulent account or they could not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: AFNI INC.
State: IL
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:
This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: AFNI INC.
State: MN
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:
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
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 is not mine

Complaint:
this account was compromised and new lines where added without my knowledge or consent given. I spoke with both the creditor when the issue was bought to light after receiving an accelerated billing statement and extra lines where added to my account. I asked both XXXX and the collecting agent ( review recorded messages XXXX to investigate how these additional lines were opened and activated without my consent and to make amendments to the bill to only include the authorized line on the account. Nothing has been done to correct the account since 2009. I ask for full validation of this account ; when and where the lines were added ; a copy of the signed contractual agreement and any other documentation that validates my authorization to add lines to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: AFNI INC.
State: SC
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:
i was looking at my equifax report. it shows that i opened an account with XXXX on XXXX my bill due is {$370.00}. I have not had XXXX in over a year and i had it for atleast 5yrs. I do not believe that this bill is mine. I was with them for almost 5 years and never sent in a late payment or have ever been contacted for having a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AFNI INC.
State: NY
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:
I called XXXX to find out the amount I owed them. They gave me that amount and I paid it, only to find out ( weeks later via a credit report ) that I had a collections notice for more money. They are n't getting back to me and I have tried to reach out and see if they can assist me in resolving this issue, but they are n't getting back to me with any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from Real Time Solutions charging me an amount of XXXX and I really do n't know what is it. I had a second mortgage, but as far as I know, it was eliminated in the bankruptcy process in which I was involved. Is a letter charging and explain nothing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The enclosed Assignment of Mortgage that was recorded and filed on XXXX XXXX, 2010, with the City Register of the XXXX to claim legal ownership was robo signed. Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
I 'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Resurgent Capital Services L.P.
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 is not mine

Complaint:
I am being charged for a bill for XXXX that I did not have on the date it is said never had XXXX during that time or address I was living at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Utah System of Higher Education
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-17
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-12
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation