BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: JMS Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-21
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a XXXX XXXXr with a very stable financial control and I have a credit score of  about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I  was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called ChexSystems from the bank for more details and they denied my new account. 

That was the first time I heard about this company ChexSystems and I filled out a form on their website to get a credit report and my credit score, and they reported XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about.

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this ChexSystems had in XXXX and then XXXX. So ChexSystem mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called XXXX organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the Chexsystems and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.

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 2017-10-13
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:
I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: LEXISNEXIS
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: Account status incorrect

Complaint:
Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. 

That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1.  Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. 

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a dispute letter to Portfolio Recovery on XX/XX/19 regarding a collection account in the amount of {$600.00}. Portfolio Recovery was unable to verify this debt ; however, they reported this to the credit reporting agencies damaging my credit file violating FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent savings and checking accounts were opened with Comerica Bank online. 

I close the account already. 

How can I protect myself in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Performant Financial Corporation
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TODAY 'S DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX : XXXX XXXX, XXXX COUNTY : XXXX COUNTY In the late XXXX  I went to school at a phony University, in XXXX XXXX, CALIFORNIA, the name of which, is very probably known to you XXXX XXXX UNIVERSITY The STUDENT LOAN, that, apparently, funded my " studies '', at XXXX UNIVERSITY, was, APPARENTLY BACKED BY : XXXX XXXX XXXX, IN XXXX XXXX, SD. 

LATER, A FIRM IN XXXX, INDIANA, BEGAN TO RECEIVE MY PAYMENTS FOR THIS SO-CALLED LOAN, FOR MY STUDIES, WITH THIS ABSOLUTELY PHONY UNIVERSITY : THE NAME OF THIS VERY PROBLEMATIC CREDIT COLLECTOR, IS, PREMIER CREDIT OF NORTH AMERICA, LLC XXXX XXXX XXXX XXXX, IN XXXX [ XXXX ] XXXX - XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX It has lately come to my attention, that I have been making extortionate payments, to pay for a debt that I DO NOT OWE, because XXXX UNIVERSITY, IN XXXX XXXX, CA. WAS NEVER, NEVER, EVER, A LEGALLY, AND DULY ACCREDITED UNIVERSITY. Further, I have been paying this extortion, to PREMIER CREDIT, UNDER THE FALSE ASSUMPTION, SINCE XXXX. I HAVE BEEN PAYING MY MONEY, FOR AN " EDUCATION '', THE CREDENTIALS OF WHICH, ARE WORSE THAN WORTHLESS. 

GOALS : I BELIEVE IT IS ENTIRELY REASONABLE FOR ME, TO REQUEST, THROUGH THESE AUSPICES, AND THESE CHANNELS, TO GET MY MONEY BACK. I KNOW AND BELIEVE THAT A FULL, AND TIMELY REFUND OF MY MY UNKNOWING, AND UNWITTING PAYMENTS TO THIS FIRM OF PREMIER CREDIT FIRM, ARE COMPLETELY AND WHOLLY AND MORALLY JUST, AND PROPER. 

FURTHER, AND ADDITIONALLY, ON XX/XX/XXXX, XXXX XXXX XXXX  INVESTIGATIVE REPORTER, XXXX XXXX, WROTE A LENGTHY, AND THOROUGH, AND ACCURATE ARTICLE, ON THIS UTTERLY FAKE AND PHONY " UNIVERSITY '', AND HOW XXXX UNIVERSITY   HAS GOUGED AND ROBBED DECENT CITIZENS, OF MONEY, AND HARD WORK, TO OBTAIN AN EDUCATION. 

Thank you, XXXX XXXX XXXX DOB : XX/XX/XXXX CELL PHONE NUMBER : [ XXXX ] XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have close to XXXX $ in my name because someone stole my identity. The credit beaures and collection agencies refuse to work with me and im at a loss and dont kno what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Nelnet, Inc.
State: GA
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:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX  XXXX Bankruptcy XX/XX/XXXX, they have called me several times and sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was charge card opened in my name by an employee of Wells Fargo in XXXX of XXXX. I was contacted some time after the card was opened and I advised the person that I never opened the account. In the beginning of XXXX I was contacted once again regarding the same account. I reiterated that I did not open the account. I kept getting harassing phone calls to make payments so I ended up just paying the amount and they finally closed the account. I was apart of the class action lawsuit against them. In re Wells Fargo XXXX XXXX XXXX XXXX, Case No. XXXX. I was not the only XXXX as it was determined that their employees opened up cards using millions of customers info without consent. I thought the account was deleted from my credit. However, I found out recently that the account was not deleted from my credit. I reached out to Wells Fargo and they advised me they were not able to find any XXXX or closed account for me and advised me to dispute it. I filed a dispute with all 3 credit Bureaus. I got a response from XXXX that the account was accurate and will remain on my credit. I reached out to Wells Fargo again today and was advised once more that there is no history of me having an account open or closed. I need help getting this deleted as it has negative remarks but yet they aren't able to find an account.

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 2017-05-23
Company: ProCollect, Inc.
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 repeatedly, going back to the begi nning of  XX/XX/XXXX  have as ked  ProCollect Inc. , out of  XXXX , TX to provide documentation validating the debt " they say '' I owe. I have had fraudulent activity happen in the past and that is my main concern here. I was called several time i n  XX/XX/XXXX , b y a  XXXX   XXXX  and once by a  XXXX   (  that I remember and HEARD correctly because they sound so unprofessional ). They demanded that I pay almost  $ 5K f or an apartment that was listed under my father 's ( now deceased  )  girlfriends name. I have been trying to take care of this debt for several years now. I have wrote several letters to the company and asked several times over the phone stating " please send all of the documents showing I owe this debt, including the lease copy and all other supporting documents. '' This debt is now approaching 7 years in 9 months and I am still dealing with the unprofessional, rude phone calls. When I called a few weeks ago and spoke to  XXXX   (  around   XX/XX/XXXX  a bout    XXXX   XXXX    CST ), she verified who I was and said " are you willing to making payment in full today? '' I said well " hold on, '' and went on to explain the story and tried to get the supporting documents.  XXXX  ended up hanging up on me twice, since I was n't making payment that day. She did n't say anything about sending me the supporting documents either. I am starting to get really frustrated with this company, their lack of professionalism, they 're always super rude, demand money and if you do n't have the money then they hang up on you. I have now sent an email to th e Sr. Account Executive ,  XXXX   XXXX  because I was n't allowed to have his direct line. I have tried to have  XXXX   XXXX  or  XXXX   XXXX  call me back also, I have heard NOTHING. I am getting ready to call  XXXX   XXXX  if I am unable to get the supporting documents showing that this debit is in fact mine. If my name was forged on any documents then I will have NO OTHER CHOICE but to take ALL parties to court and that 's a PROMISE. I have a twin brother and there 's been times when stuff gets filed under the wrong name or fraudulent activity happens due to our names being very similar. I have tried and tried to play nice but I am n ow filing complaints with everyone including the FTC, CFPB, AG, SOS , BBB, De  pt of Licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Basically, NATIONSTAR MORTGAGE continually raises my monthly payment by spending my escrow monies on fraudulent insurance policies which I have no need. The mortgage on the condo that I have owned for 16 years was recently reassigned to NATIONSTAR. I have been assessed fees and increases under the guise of " needed insurance ''. I have never let my property insurance expire since day one. Have annually supplied a copy of the condo master policy with flood insurance coverage and my " wall to wall interior '' policy to NATIONSTAR. Recently I refused another increase and forwarded my regular monthly payment, without their bogus increase, only to be advised that they were not going to apply this to my account. I now get threatening letters that they are going to report me to the credit bureaus for nonpayment. I am XXXX plus years old with a 820 credit rating that I value and do n't need to be threatened by these buffoons. 
I have tried, unsuccessfully, to settle these issues with letters, documents, and phone calls. 
I could go on and on. I have evidence to support my complaint. 
You would be doing the public a service if you could put this company out of business so others wo n't be harmed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
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:
The original creditor, Dept of Education/NELNET was marking my loans late when I was trying to get in forbearance, they were very difficult to work with and would not accept my request. Since then, I have refinanced to a company Great Lakes. I have tried to get NELNET to remove the multiple at least 10 entries from my credit report, these are paid and closed and another company has ownership of them. I do not see why it is a problem for Dept of Education/NELNET to remove every listing from all three credit reports as I do not do business with them anymore. This is hurting my credit score with the multiple listings and the late payments because the people that worked there were so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation