BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: National Credit Systems,Inc.
State: TX
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:
National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. 

This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. 

National Credit Systems is a fraudulent company scamming people and should be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: National Credit Systems,Inc.
State: IL
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'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
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:
I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: National Credit Systems,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 was paid

Complaint:
On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? 
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth **/**/**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Penn Credit Corporation
State: FL
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 received a letter from Penn Credit Collection agency dated XXXX XXXX, XXXX. 
The letter saying I owed {$56.00} for a parking ticket ( XXXX ) from XXXX XXXX, XXXX to the city of XXXX. 

I had paid the ticket in full in XXXX XXXX to a collection agency called XXXX XXXX XXXX, XXXX with USPS money order ( receipt number XXXX ) in the amount of {$56.00}. 

The amount I paid in XXXX is {$56.00} is the same ticket number XXXX from XXXX XXXX. 

I am not sure why Penn Credit is trying to make me pay for a ticket I 've paid for almost three years ago in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: National Credit Systems,Inc.
State: SC
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:
Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ACCESS GROUP INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month.

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 2017-01-15
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I PULLED A COPY OF MY CREDIT REPORT AND LEARNED THAT RECEIVABLE MGMT GROUP HAD PLACED A COLLECTION ON MY CREDIT REPORT. I HAVE NEVER ENTERED INTO A CONTRACT WITH RECEIVABLE MGMT GROUP VERBALLY OR IN WRITING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-20
Company: American Credit Acceptance, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Received a call from Premium Assets Services about a very old account that they wanted paid from a Jewelers. I was told that they wanted to have this account closed by the end of the year and whatnot, I told them I had no way of paying it. They threatened to take legal action and was very verbally abusive after I asked them to not call my Mother 's residence. XXXX XXXX was the joke of a man that I was speaking with, and started saying how well your Mother thought she was raising a good citizen, but obviously that 's not the case here. I am furious and my Mother is elderly and sick and does not need this whatsoever. I am a grown adult and my finances and money troubles are my own.

Company response to consumer: Closed
Consumer complaint received 2016-11-22
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted XXXX on XX/XX/2016 to request a letter to send to XXXX to confirm that XXXX accounts that we had paid in full to XXXX were paid in full and their was not a current dispute that they were showing for these accounts. XXXX themselves were not showing that information regarding these accounts were reporting correctly. XXXX refused to provide any such letter or proof to either myself or XXXX to try to get the issue resolved. They claimed that they had reported correctly and they will again update it with XXXX and that " we would just have to wait ''. The employee with XXXX claimed that she was the only supervisor and that she had spoken with her legal department that verified that they would not and could not provide any such documentation that the accounts had been paid and resolved to either me the person whose request by XXXX to have a letter with their name information the account numbers and notification that the debt had been paid and verification that there were no open disputes.

Company response to consumer: Closed
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

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 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon checking my credit report, I noticed an account by the name of rise reporting to trans union concerning me. I called and spoke with a trans union agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to Trans Union and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

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