BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: National Credit Systems,Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: General Motors Financial Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Received a voice mail that {$340.00} was charged to my Amazon Credit card and they wanted to confirm or deny the purchase. 
When I called ... ..the foreigner kept repeating they were here to help me and kept confirming my address. He also tried to educate me regarding XXXX addresses. 
I knew then it was a scam and I told the caller that. He tried to transfer me to an 'account manager '. I hung up. 
Here are 2 phone numbers I have for this scam 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 2016-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was defrauded out of {$1100.00} when someone stole my debit card number and used it to purchase plane tickets on XXXX XXXX. I do not know these individuals whose names are listed on the itineraries. I did not make the purchase as could be determined by an IP address associated with the purchase and my location at the time. Further, I was in New York when the purchase occurred, which purchase was XXXX flights from XXXX to XXXX. I disputed the transaction and was credited back the funds, but upon investigation, USAA determined that I had authorized these purchases and was going to reverse their original credit, re-charging me the {$1100.00}. They never consulted me during the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). 
I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX was in violation of the FCRA and did not have permissible permission to access my credit in XXXX. XXXX  XXXX XXXX XXXX has denied the subsequent fraudulent loan after credit was pulled but can not deny Permissible Permission. It was all fraudulent and XXXX XXXX XXXX XXXX is a fraudulent company! XXXX XXXXXXXX XXXX XXXX has denied over 100 requests for the valid permissible permission by labeling all requests and complaints as duplicates as again today XX/XX/XXXX. I will stop the complaints when I receive valid Permissible Permission used for the loan.

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 2021-01-14
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2021-01-14
Company: CL Holdings LLC
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:
I have reached out to this company on XX/XX/2020 ago regarding documentation for validation of this debt and how it belongs to me. company has never responded but continues to collect on it pass the FCRA rules of responding with validation within 30 days. This is unfair and damaging to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with XXXX  - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-01-14
Company: TD BANK US HOLDING COMPANY
State: NC
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:
TD BANK USA / TARGET XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX https : //www.target.com/redcard/about I am just asking for the Date of First Delinquency on my Td Bank Target Card . 

What is the date / year I become 30 days late and never did catch back up. You are not provided this information to me, nor are you providing this information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an alert on my credit about this collection which do not belong to me, I have no knowledge or debt with this company. I contact the Collection agency and the representative could not find any information on me because I have no debt with this company yet it stills appears on my credit. I need this collection of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was trying to get a modification with XXXX XXXX XXXX in XXXX after my wife lost her contractor 's job with the federal Government and I had a life changing event XXXX due to an unfortunate accident. 
In the middle of the modification with XXXX XXXX XXXX they sold the servicing rights to Nationstar Mortgage L L C who has been reluctant to work with us over the last two years they started foreclosure proceedings even had a sale date of XXXX/XXXX/XXXX through their lawyers XXXX and Associates in XXXX Maryland, please be advised that I have attended meditation and have submitted several loan modification to Nationstar Mortgage which got lost in the shuffle somewhere please be advised that since acquiring this mortgage in XXXX myself and wife was never late or missed a payment until our unfortunate situation in XXXX. Nationstar denied our modification over and over again and each time ask us to resubmit an application which we did as recent as this month of which they gave us an alleged modification for 4 % interest rate which require a {$10000.00} down payment with a monthly payment of {$5400.00} without a a breakdown please bear in mind my current monthly payment which I am trying to modify is 4.2 % interest rate with a monthly payment of $ XXXX find this to be unfair and at this point I considering filing Bankruptcy in order to keep my home Nationstar is not very helpful and is not playing by the rules also. I have a lot documentation from their attorney telling me one thing while they are doing something else. 
Please investigate this matter we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Viking Billing Services is attempting to collect a debt for XXXX car rental. I do not owe XXXX car rental and did not rent a car from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt that isnt mine multiple times. RBC only adds a remark that Im disputing this debt. I have asked them to send me a letter as to what this item is and they have refused. I spoke with a rude representative named XXXX and also spoke with another lady who advised me that they wont send me any letters validating this debt since I refuse to pay. I cant and am not paying for something that isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I established an account with Coinbase and purchased {$1700.00} of ETH ( Etherium ) as an exploratory investment in Cryptocurrency. I established two-factor authentication, with a single-use code sent to my cell phone by text message. After successfully logging in a few times to monitor the investment, I encountered a notice stating that text messages were no longer being sent for authentication and that I had to use an authentication app. I opened an authentication app on my phone, and the app instructed me to open the account in question and take a photo of the QR code to synchronize the app with the account. I advised the Coinbase support staff of the problem, and, after some back-and-forth conversations, no progress had been made. On XX/XX/XXXX, at XXXX XXXX, I advised them to liquidate my account and send the balance to me either in the form of a paper check or by ACH deposit directly to my bank account. Following further back-and-forth emails, at XXXX XXXX Coinbase support advised me to stand by while they worked on finding a solution, and they promised to get back to me with a response through the original email thread. By XX/XX/XXXX, they had not responded ; so, I sent another email at XXXX XXXX in which I directed that the email be elevated to a supervisor. I stated that they had not followed through and that I was ready to take the matter to the S. E. C. They have not responded since the XX/XX/XXXX email. I want my Coinbase account closed, and I want the value of the account forwarded to me immediately. I opened this account as a personal account in my name. The individuals from Coinbase support do not provide their names.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: Southwest Recovery Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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:
While looking over my credit, I realized that there are some accounts that are incorrect. These derogatory accounts were not approved by me and are not mine. There is not anyone other than myself who has access to my credit report so I do not know how something like this could have occurred. Please investigate this issue and have these false accounts deleted from me credit file. I am unable to acquire new credit now because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: PNC Bank N.A.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me

Company response to consumer: Closed
Consumer complaint received 2016-08-08
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
An unauthorized payment was sent on my PayPal account to somebody I do not know using my PayPal line of credit, and they are telling me due to my past transaction history that the payment wasn't unauthorized. This is the second time I've had an issue with PayPal with someone scamming or fraud and both times they were unable to help me get my money back at all. The date this took place was XX/XX/2021 in the amount of {$460.00} charged to my PayPal credit card, the company took close to no action.

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 monetary relief
Consumer complaint received 2015-05-11
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.

Company response to consumer: Closed with explanation