BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I, XXXX XXXX makes a claim against Nations Recovery Center, Inc. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is XXXX XXXX XXXX. This debt buyer has been riddled with deceptive collection practices and sued by XXXX offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector Nations Recovery Center , Inc., as well as from XXXX XXXX XXXX. It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The XXXX had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

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 2017-03-06
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A computer showed up at my home that I did not order. Contacted the sender ( XXXX XXXX ) and they said they would send someone to pick it up. XXXX arrived and I gave them the package. I canceled the credit card the computer was ordered from and was issued a credit back for this amount. This all happened last XX/XX/XXXX and now I am getting a letter from a collection company in California who is trying to collect this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been a patient of XXXX XXXX - XXXX office - for their XXXX. At first, they had a great doctor, so I was happy with my service. They have however changed the doctor and everything went downhill from there. There were several times when I would show up for an appointment, to be told that I have to reschedule because the doctor is not in today, or something has happened - I do not understand how the receptionist could not make a phone call and let me know ahead of time, before I loose the XXXX min to get there. I had to stay with them as I have already paid in full, therefore I just kept on going, trying to be understanding, and mostly because I did n't have too much time to research other doctors and go through the process again. Because I liked the doctor, initially I did n't really pay attention to their managerial skills. In time however, I started to notice how unorganized and unprofessional their whole office was. 
Just to give you one example of this total lack of organization and care : My insurance changed, and they had some problems with the billing, of which I was not aware until a half year later. When I finished my treatment, I asked for my balance, I paid what I was told that I owed the company. A couple months later, I checked my credit score, and apparently I have been put in collection for a {$600.00} bill that I have not been told about. When I called for clarification, the corporate office not only was very dismissive, but told me that they have two types of accounts that they use at their offices, and that this bill was for my second account. 
How is it possible that somoene asks ahead of time how much do they owe and than they get another bill charged. I have checked with XXXX, and apparently they are not even registered with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: IQOR US INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.

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 2015-10-13
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian has been doing nothing despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against the Credit Bureaus and sue them for the damaged taken due to theyre incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-28
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On  XXXX   XXXX  I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On  XXXX   XXXX  I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a recurring incident that occurred in 2013. XXXX XXXX credit card ( XXXX XXXX ) did not refund the charges made by XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. {$2500.00} were charged to my XXXX XXXX Credit Card ; however, XXXX XXXX never performed any service for the toothes he charged. XXXX XXXX, only work on a different XXXX and charged my XXXX insurance XXXX XXXX ( XXXX insurance ). I have this XXXX and health insurance thanks to my Domestic Partner XXXX XXXX who works in XXXX XXXX XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} made on my XXXX XXXX Credit Card. I am still disputing the charges since 2013. Every time, I explained the situation to the collection company, XXXX XXXX hire and changes Collection Company to insist in charging the XXXX dollars. I find very unjustifiable and unfair to pay for this charges that was wrongfully charged, but if needed to clear out my credit, I would pay those unfair charges to clear out this problem. Now, i had received another collection letter, and constant telephone calls trying to collect the charges. XXXX XXXX hire different collections companies, and when I explained, write a dispute letter, XXXX XXXX hire another Collection Company to start over the process and harassing with calls and voice messages. In my file to Credit Financial Bureau, you can see many letter written by me to complaint about this situation that has n't been addressed since 2013. XXXX XXXX has written letters with many mislead information which are very far from what actually happened. I am in a XXXX whom can confirm my statement XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone : ( XXXX ) XXXX. XXXX XXXX XXXX have performed XXXX, and he can state that XXXX XXXX never did or performed anything in the area he charged without doing any service nor replacing any 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 non-monetary relief
Consumer complaint received 2015-05-13
Company: Alternative Revenue Systems, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I received a phone call from Quicken Loans on or about XXXX 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of XXXX XXXX. 

I was ready well-before the date, but XXXX was not. When they were ready, on about XXXX XXXX, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like XXXX pulled a bait and switch, because I can point to XXXX periods in the process where they went radio silent for approximately XXXX weeks in total between the beginning of XX/XX/XXXX and end of XX/XX/XXXX ( this can be documented. ) Additionally, on or about XX/XX/XXXX-XX/XX/XXXX, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. 

They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: American Collections Enterprise, Inc.
State: MD
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 have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2022-05-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over two years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX  XXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX XXXXXXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of XXXX months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX  XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.

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 2015-09-09
Company: American Collections Enterprise, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My parents received repeated phone calls from a company called ACEI ( American Collections Enterprises Inc ) regarding an alleged {$39.00} debt I owed to a dental practice. A woman by the name of XXXX XXXX requested that I call them. 

XXXX XXXX -- and her manager, XXXX XXXX -- both committed what I believe are violations of debt collection laws. They said the phone conversation was recorded, so I believe there is a clear record of their misrepresentations on file. 

XXXX XXXX told me that the debt dated from XXXX XXXX, 2008. When I asked if it was legally enforceable, she told me that it was. This is flatly untrue -- I live in XXXX, XXXX, a jurisdiction with a three year statute of limitations. 

Additionally, when I asked for written confirmation of ACEI 's attempt to collect the debt, both XXXX XXXX and XXXX XXXX refused to mail me such a notice, even after I informed them of their obligation to do so. 

I do not believe I owe this debt, and I believe that ACEI is providing false information to consumers about their obligation to pay out-of-statute debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
REFUSE TO PROCESS CHARGEBACK ON BILLING ERROR. {$510.00} CHARGED ON XXXX/XXXX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation