BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-22
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Complaint that I have is with CAVALRY PORTFOLIO SERVICES. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CAVALRY PORTFOLIO SERVICES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Choice Money Transfer, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Using their online service, I started two transactions with XXXX XXXX XXXX XXXX XXXX First transaction was for an amount of {$1700.00} on XX/XX/2021 for which Money Transfer Number ( XXXX ) XXXX was generated. The second was for an amount of {$880.00} on XX/XX/2021 for which XXXX XXXX was also generated. 
The two transactions were all paid with my XXXX Debit card ( XXXX ) These two transactions were subsequently cancelled citing compliance reasons. Upon contact with XXXX XXXX XXXX XXXX XXXX XXXX was made to understand that refund for the two transactions usually takes between 3-business days. The first transactions was cancelled on XX/XX/2021 and the second on XX/XX/2021. Till today, several attempts on daily basis towards refund has proved futile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
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 have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.

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 2022-11-09
Company: Experian Information Solutions 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:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2022-11-09
Company: ORG GC GP Buyer, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attempted to call GC Services in XXXX TX after a collection was posted on my credit file. Debt is not mine. GC Services is unreachable through a phone tree that requires information that I do not have. 

They also never attempted to contact myself prior to turning the debt in for collection. 

Also contacted XXXX, but they want more information for a service I did not receive. Why is it possible for someone to open accounts/credit in my name and run up thousands of debt without a thorough or complete credit check? Then in turn, the company wants more information from myself to cancel fraud than was likely given to open an account. Why should I have to take my time to prove they are at fault and that it wasnt me rather than a thorough credit check?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS ABOVE ATTACHED ARE CASES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Convenience checks

Complaint:
I have new information for compalaint # XXXX ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ XXXX dollars credit? I had {$12.00} in checking account so i was led to believe this was so??? I sent out XXXX checks to other credit cards to pay them off and they were declined and had to pay XXXX dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-04-03
Company: Tate and Kirlin Assoc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received XXXX pieces of mail from Tate & Kirlin Associates, Inc, XXXX, XXXX, PA XXXX. I believe this debt collection to be fraudulent because the creditor is one I have never heard of. 

Additionally I have tried to get in contact with this company via both phone numbers listed on the bill as well as the company 's website. All attempts have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the last several years, I have been getting repeated phone calls from Ally Financial regarding debt owed by a person with the same last name as me, and whose wife has the same first name as mine. On each call, I have explained that I am not the debt holder and asked Ally Financial to stop calling me. I have been unsuccessful in getting them to stop. The most recent occurance took place XX/XX/XXXX 2015, when they called and hung up. I called them back to learn it was the collection service. I asked to speak to a manager at that time and explained the situation. She assured me it would stop. I recieved another call less then 24 hours later on XXXX XXXX, 2015. Again, the caller hung up when I answered. I called back and spoke to the same manager again, who again assured me it would not happen again. When I inquired as to how they even got my number, she explained that they have a " tool '' that they use to find possible relatives to debt holders. I explained to her that I have repeatedly told them that I do not know the debt holder in any way and should not be linked to them. As I result of their actions, we have had to take out identity theft insurance for the last several years, and have had some complications with my wife 's credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ask you to figure out the origins of fraud accounts. I am victim of identity theft and I want you to apply some actions towards removing them from my credit report. Its not fair that I have 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 2021-06-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the company about a late payment that was inaccurate for XX/XX/2020 During the Global Pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Data Mortgage Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on the sale of XXXX XXXX XXXX, XXXX, AR XXXX for XXXX XXXX XXXX on XX/XX/2022. I obtained a payoff for his current mortgage from Essex Mortgage ( Loan number XXXX ). This payoff was good through XX/XX/2022, I added 4 days ( good thru XX/XX/2022 ) {$12.00} the daily per diem per the payoff statement received. I sent the payoff in the amount of {$120000.00} to Essex Mortgage overnight XXXX XXXX on XX/XX/2022. Per XXXX XXXX  it was delivered to Essex Mortgage on XX/XX/2022 @ XXXX DELIVERED Monday XX/XX/2022 at XXXXXXXX XXXX Signed for by : XXXX Essex Mortgage called my office on XX/XX/2022 and stated that the payoff amount was short. When I tried to find out why they said it was short, it was an evil rollercoaster of back and forth for a week. I spoke to over 5 people and yesterday ( XX/XX/2022 ) finally I find out after a phone call that lasted over 2 hours and 45 minutes going through 3 people that day, that they claim they didn't get the payoff check until XX/XX/2022 and on XX/XX/2022 they paid the Mortgage Insurance premium and now the payoff is short by XXXX ( that amount was only good through XX/XX/2022 ) My question that I keep asking is I have proof that it was delivered and signed for on XX/XX/2022 so why would you first pay an insurance premium on XX/XX/2022 and why would you think it is ok to charge the borrower for your mistake. This is a case on inner office misplacement and my seller should not have to pay for their oversight. I have tried to reason and talk to them and most of them have been very nice and appeared to want to help me but couldn't. The one person XXXX in the Cashier Department was very unprofessional and refused to speak to me about it at all, he would only communicate through the nice lady in loss and mitigation on emails. When she asked him if he would speak to me he flat out said no I have already spoke to them and will not again. If the payoff had not actually gotten to XXXX until XX/XX/2022, then I would not be disputing the shortage. My company would have no choice in paying it, but that is not the case here. 
Please help me get this resolved so I can close out this file for my office and my seller. I need them to accept the payoff check that was sent to them on XX/XX/2022 in the amount of {$120000.00} as payment in full. They can not expect us to pay for them making a mistake. 
Thanks so much for your time. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I previously filed a complaint case # XXXX and the company First Advantage failed to send me a report indicating that they fixed the inaccuracies they purposely reported. I'm starting to believe someone employed there intentionally reported false information to hinder me obtaining employment presently and in the future. They have NEVER sent me a corrected report so now I'm filing another complaint on a previous complaint that should've been completed. This is in reference to a background report they conducted on XXXX order by XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was getting quotes for a refi 30 yr fixed. Rocket Mortgage, gave me rates after collecting almost everything they can dig out from me, including the XXXX. Then they asked for a credit card to pay for a good faith deposit, which included a credit check and apprailsal fees. They have not sent me a Loan Estimate yet. I asked for it via email and they only would respond via a phone call. 

Is this the correct process?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Credimatico LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/22 I emailed a Revocation of XXXX authorization to XXXX On XX/XX/22 I received a notification from my XXXX XXXX account stating that Crediterium had tried to process an an XXXX transaction in the amount of {$170.00}. 
On XX/XX/22 I sent another email Revocation to XXXX, and also submitted a secure message directly from their website. 
On XX/XX/22 I received an email from XXXX stating that they had received my revocation email and assigned it ticket number ( XXXX ) On XX/XX/22 I received notification that Crediterium once again tried to run an XXXX  authorization for {$170.00} On XX/XX/22 I called XXXX XXXX and had them put Crediterium on a permanent Do Not Pay and provided them the information regarding the multiple dates of revocation emails. 
On XX/XX/22 I received another notification from XXXX XXXX that Crediterium was continuing their attempts to make ACH withdraw from my account in the amount of {$170.00}. 
On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an XXXX withdraw from my account in the amount of {$170.00} On XX/XX/22 I received another notification from XXXX XXXXXXXX that Crediterium had again attempted to make an ACH withdraw from my account in the amount of {$170.00} On XX/XX/22 I sent another secure message to Crediterium from their website stating that I was filing the complaint, stated the ticket number and their acknowledgement of receipt of the revocation of XXXX authorization, and told them that I was also turning them into the Missouri Attorney General for Illegal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XX/XX/XXXX I was contacted by XXXX about a new debt that was put in to collections. Details below : ORIGINAL CREDITOR : XXXX in XXXXXXXX TX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Amount : {$4700.00} The debt was sold to COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ; XXXX ). I contacted them informing them this debt was not me and a result of fraud. They informed me it was a debt for an apartment in XXXXXXXX TX. I have lived in XXXX, TX with my wife since XX/XX/XXXX with documentation and witnesses to prove so. They sent me a packet to fill out which requires 4 things : Proof of residence during the time which the fraud occurred, driver 's license, a filed police report for report number documenting the crime and unit that is fraudulently in my name, and a copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. 

This is my attempt to get the FTC complaint required for GENESIS to remove the debt.

Company response to consumer: Closed with explanation