BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I SEND WITH REMITLY THE AMOUNT OF {$550.00} AND {$280.00} ON XX/XX/XXXX THE MONEY NEVER GET TO THE XXXXXXXX XXXX ACCOUNT ITS HAVE BEEN A MONTH AND NOT ANSWER FROM THEN AT AT ALL I HAVE MAKE SEVERALS CALL AND NOTHING BE RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account with Citibank on XX/XX/XXXX. I made the required deposit amounts to take advantage of their sign up bonus. 

I followed up with their customer service through their message system in XX/XX/XXXX as it was well over the 90 ( three month ) period they stipulated as the requirements for agreement. I was confirmed that I was to receive the sign up bonus deposit on XX/XX/XXXX. The time came, and nothing was deposited. 

I followed up with their customer service again through the banks message system around XX/XX/XXXX. This time they stated that the deposit would be made before XX/XX/XXXX, but to allow up to XX/XX/XXXX. 

I contacted the customer service once again today, XX/XX/XXXX, for follow up and now they have run out of excuses. Now there is a delay with their department. 

It is now XX/XX/XXXX and I havent received the terms as agreed upon. I did everything to hold my end of the agreement. They have have more than enough time and opportunities to avoid any delays. 

I also had the history of the correspondence on the allocation. However now that I am trying to retrieve it, Citibank has wiped the information when I was in contact on two separate occasions after.

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 2015-10-02
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The calls keep coming from a place called Warner Location Services, Warner Asset Services, Warner XXXX Services. They are from a XXXX XXXX. The number that he calls from is a XXXX, Tx number XXXX, but gives a call back number of XXXX. When I did a reverse number lookup for the XXXX number that number was registered to a female here in the city of XXXX, Tx. I never answer the calls after finding out the numbers were questionable. They say there has been a complaint filed in their office but never say what the complaint is. Oddly enough the only office listed for any of these companies is in XXXX XXXX XXXX. on XXXX within a span of 10-20 minutes there were a total of XXXX phone callsXXXX on the home phone and XXXX on the cell phone. XXXX XXXX has been told several times to quit calling and he continues to call. XXXX of the reports on this company says they just bought out XXXX XXXX which is a pay day loan place. I have never done business with this place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED TWO ITEMS WITH EXPERIAN FIRST ONE MORE TWICE THEY HAVE STATED THEY VERIFIED THE INFORMATION WITH STILL HAVING INACCURATE INFORMATION ON MY CREDIT REPORT. 

ACCOUNT # 1- FAIR COLLECTIONS & OUT 1. DATE OPEN IS INACCURATE ( I DID NOT ENTER INTO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 2. A COLLECTION ACCOUNT CAN NOT BE PASS DUE ( I DID NOT ENTER TO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 3. THEY ARE REPORTING A TERM OF 1 MONTH ( AS IF THIS COLLECTION ACCOUNT IS A LOAN ) 4. THEY ARE REPORTING A DATE OPEN OF XX/XX/2018 ( WITH NO INFORMATION IN THE PAYMENT HISTORY FROM XX/XX/2018 - XX/XX/2018. IT SHOWS NO DATA REPORTED ). 

5. PAYMENT HISTORY GUIDE SHOWS COLLECTION AS OF XX/XX/2018, BUT THE DATE THE COLLECTION OPENED IS XX/XX/2018. SO THE ACCOUNT WAS RE-AGED. 

ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXX. DATE OPEN IS INACCURATEXXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING THE DATE THEY RECEIVED THE ACCOUNT AND NOT THE DATE OF FIRST DELEQUNICY FROM THE ORIGINAL CREDITOR. 

XXXX. IN ACCUATE ACCOUNT NUMBER ( THE ACCOUNT NUMBER DIFFERS FROM A STATEMENT I RECEIVED. ) SEE ATTACHED DOC FOR HIGHLIGTED DISCREPANCY XXXX. EXPERIAN IS REPORTING A TERM ASSOCIATED WITH THIS ACCOUNT AS IT A COLLECTION ACCOUNT. 

XXXX. EXPERIAN IS REPORTING A PAST DUE BALANCE ( A COLLECTION ACCOUNT CAN NOT HAVE A PAST DUE BALANCE AS I NEVER ENTERED INTO A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX ) PLEASE SEE ATTACHED DOCUMENT TO FURTHER PROVE THE INACCURATCIES ON MY CREDIT REPORT BOTH ACCOUNTS REFERRENCED ABOVE SHOULD BE DELETED.

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 2021-11-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At XXXX pm PST on XX/XX/XXXX a female called stating she was with Midland Credit to collect a debt for my XXXX account. I hung up on them thinking it was a fraudulent call but remembered that they are a legitimate collection company and called them back. 

I called back at XXXX PM XXXX XX/XX/XXXX and it was a man who answered this time and kept going on and trying to make me make payment arrangements for another account of which I was not totally familiar. I told him I needed to research it first before I make any agreement at which he kept pushing me. He told me I had three accounts with them. He never stated the other two. I then asked about the XXXX account I was initially called for and stated that Ive never had a credit account with XXXX, ever and that if they see a collection that I need to know about it so I can dispute it and report it for fraud. 

He kept telling me to forget the XXXX account and told me he could not look it up because it was not his case and went back to the other debt. 

I hung up on him and called XXXX directly to see if someone fraudulently opened up a credit account with them under my name. I called XXXX at XXXX PM XXXX XX/XX/XXXX and she told me that they would not go through another agency and that there is no credit account opened in my name nor never was. My account itself is okay and in good standing. 

The fact that Midland Credit was never hired by them and that they are using XXXX name to get to people is extremely unethical and in poor taste business or otherwise. 

There should be some sort of legal ramifications for this behavior in misleading others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Aldous & Associates, PLLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter addressed to Experian dated XX/XX/22 and received by Experian on XX/XX/22 ( Attached ). In the letter I requested that Experian provide me the " NAME AND ADDRESS '' of the company it contacted to validate the " COMPLETENESS and ACCURACY '' of a reported bankruptcy record on my consumer file. In its response on XX/XX/22 in report # XXXX Experian stated that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' In my letter I clearly did not request for a verification, but a " VALIDATION '' based on the report it received from XXXX XXXX ( Data Furnisher ). In my dispute I provided Experian with a report and statement from XXXX XXXX which clearly shows " NO BANKRUPTCY '' in their database. I have attached this full consumer report from XXXX XXXX to this complaint. In addition, I have attached a letter from the Bankruptcy court certifying that they did not report any filings to Experian. Experian is clearly using " UNVERIFIED '' " INACCURATE '' and " INCOMPLETE '' information it has allegedly obtained from XXXX  ( a public database ). I have disputed the information obtained from XXXX and therefore according FCRA 15 U.S. Code 1681i, Experian must complete a full investigation. In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax the court ruled that CRA 's can not merely " PARROT '' Information and that it must conduct an Independent REASONABLE investigation. Based on the facts provided. I am demanding the removal of this bankruptcy record from my credit file due to Experian 's failure to conduct a REASONABLE investigation by contacted the court and or data furnisher for the " Completeness and Accuracy '' of this record. Experian has refused to provide me with the " Name and Address ' '' of the company it contacted as required by FCRA law. Experian continues to use " TEMPLATE '' responses to avoid having to provide " FACTUAL '' proof of evidence. I am not requesting a " RE-INVESTIGATION '' I am demanding the removal of this record solely on the evidence presented. Experian HAS NOT communicated by US Mail in an attempt to AVOID being held liable for its lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past 12 years I have been contacted by various debt collectors. The most recent one, Persolve LLC, has called me 5 times during the past two days and left a message on my answering machine. I never owed a debt in my life. ( I have paid all credit cards, bills and mortgages before the due dates for the past 40 years -- never had a late payment in my life. ) I think someone put my telephone number ( but no other information identifying me ) on some kind of an application. That person 's debt has been sold over and over to various debt collectors, all of whom start calling my telephone number continuously for a few months. I have written letters to previous collectors saying this is not my debt and I do n't know who they are looking for but they just then sell my telephone number to another debt collector. I want a way for my telephone number to not be sold over and over to debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted the credit bureau about fraudulent activity on my credit report and placed a fraud alert. There are inquiries not made by me that I requested to have removed and was denied. They told me to contact the creditor to have them remove the inquiries. I contacted the creditor who told me I need to contact the credit bureau as they can not remove it themselves because they can not find it in their system.

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 2021-11-22
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dept Collector says I owe money to XXXX XXXX and I don't owe them any money and I am in month to month lease and they told me that if you want to move out just to let them know before 30 days and I called them and it was during COVID and XXXX village apartments and told them a head of time like 40 days before I leave I am not going to stay there no more and I will be moving out and I have been paying them on time and the before I dropped my last check I called them and told them as well I will jot be leaving from next month and they advised me they are not working from the office and told me to drop the keys in the mail room when I leave and I will be fine and like after few month i called them to get my security deposit back and new people were their and they were like you owe us money and I didn't the rent for few months with is false and they were saying if you don't pay us money we will send you to Dept collector and after few month I see, u credit report went down and I can see I woe XXXX village money which is wrong and is a false statement I paid and informed them a month ahead before I leave. I followed their instruction as they told me on the phone and they told I will be fine and not to worry about it and they messed me up so bad. Please I want to remove this from my credit report. I do not owe them any money this is false. Please help me with this. 
XXXX XXXX XXXX {$9700.00} XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  XX/XX/2019 - 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 2015-09-11
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are trying to sell our trailer that is in XXXX XXXX homes which is part of XXXX community. We have XXXX buyers interested in purchasing our home however when going through 21st Mortgage Company they required a {$20000.00} down payment however, they went and applied through the XXXX XXXX community and was approved on the spot with less money down on a new home and used home. We have been trying to sell our home since XXXX on our own thru a realtor and XXXX XXXX wants 10 % in order for us to sell our home thru them which is completely unfair because getting outside financing for anyone almost seems impossible. These XXXX companies are making it extremely difficult for us to sell our trailer on our own and we almost feel forced to sell thru XXXX XXXX or we wo n't be able to sell it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have tried several time to get Portfolio Recovery to stop communicating with me via ALL mediums. I filed a complaint with CFPB # XXXX, the company responded on XXXX XX/XX/XXXX stating : 'Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, verified the PRA account ending XXXX XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account and found we have honored the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXXXXXX XXXX  ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. ' As of XX/XX/XXXX Portfolio Recovery is still reporting this misleading information on my consumer report. They have not honored the request to cease all communication, the letters that they have received are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In all of the letters mentioned I have requested cease communication with me on all mediums, included but not limited to all credit reporting agencies, telephone, mail, social media etc. 
Portfolio Recovery has continued to lie about what sent to me, and what laws they are following. Attached pleased find my most recent consumer reports showing that Portfolio Recovery is still communicating on my consumer report. Also please find all XXXX of the letters that were sent to Portfolio Recovery requesting them to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AFNI INC.
State: NE
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 had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.

Company response to consumer: Closed with explanation