BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continue to receive debt collection calls from Portfolio Recovery Service. I do not have any debts, nor have I ever. All times Central. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX????? XXXX XXXX????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX. 

Unauthorized check cashed by Wellsfargo for {$5000.00}

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 2016-04-22
Company: General Motors Financial Company, Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX. 

I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX. 

On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment. 

On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM. 

The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues. 

I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air. 

Can you please look into the above issues. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We applied for a mortgage refinancing with Freedom Mortgage at the beginning of XXXX XXXX. After XXXX failed closing dates, unreturned phone calls and e mails, endless time on hold and hours of our time wasted we finally closed on XXXX XXXX, XXXX. I have pages of notes, phone messages and emails to show the incompetence of Freedom Mortgage. I was required to sign a document that stated that I received Disclosure documents 3 days before closing. They did send Disclosure documents 3 days before but they were incorrect. I had to bring this to their attention so the closing could be completed. I finally received the correct Disclosure documents the evening before the scheduled closing. This company is incompetent in so many ways it is inexcusable If it was n't for the money it finally saved us on the refinancing, we would have abandoned this endeavor after the second failed attempt.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX. Contacted Transunion about the inquiry issue on my credit report. Customer service won't take care of it. 

I did not make any inquiry for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2022-08-15
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC Is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC 11692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Sequium Asset Solutions , LLC. is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Sequium Asset Solutions , LLC, Inc has failed to provide me with proof that I owe a debt. I do not want to see statements, I want to see actual proof that I owe thjs " alleged '' debt to Sequium Asset Solutions , LLC. There is no contract Ive signed with them or accounting ledger. According to 15 USC 1681 Section 602 States I have the right to privacy. Sequium Asset Solutions , LLC has no right to report any information onto my credit report without my written consent according to 15 U.S.C 1681 Section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive never heard of this company. Nor do I owe them or anyone else money. They never even contacted me they just placed this bogus debt on my credit report. No written documentation stating what this is or proof its mine! Company is singling me out & questioning my integrity. This company has not helped me in any way when contacted. This is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, an online user by the screen name of XXXX and I met online using XXXX XXXX nearby function. Soon he started romance scam and investment scam. 

On XX/XX/2022 at Chase Bank in New York wire transfer took place to XXXX XXXX in the amount of {$30000.00} as per request from XXXX, XXXX to his family account in XXXX XXXX XXXX 

Soon after he requested to wire transfer more money. When I refused, he is no longer reachable by XXXX app. 

I also filed a complaint with FTC. Files are attached. 

XXXX screen name : XXXX XXXX ID : XXXX XXXX name : English name : XXXX, XXXX Wire transferred to account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES - XX/XX/XXXX ACCOUNT # XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX  XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES XXXX XX/XX/XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # 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 2017-07-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been with Navient since they switch from  XXXX   XXXX  and I was getting random emails saying that my Forbearance request was approved. I have not request any Forbearance from Navient. I have also paid a ( personal ) loan with  XXXX   XXXX , and paid it off, and provided them the proof payment for it, and their still requesting me to pay it. I have recently reached out for help with   XXXX   XXXX   XXXX  , now I see a list out that this is a bad company too. I 'm so confused on what to do. I will be in debt for ever it seems, this all started in    2005  now I have a home and it will be paid off before these consolidated student loans. Or the ( private ) loans. There is always a brick wall with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Rent recovery is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. 

I Would like an investigation so rent recovery can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. 

Please open a criminal investigation and you will see the evidence on the attached documents. 

I will continue to dispute and ultimately see are going to sue rent recovery, a known company for deceptive practices and the evidence is amounting.

Company response to consumer: Closed with explanation