BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: HONOR FINANCE, LLC
State: AZ
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:
Honor Finance has been calling repeatedly ... several times a day for several weeks now. I have asked them over and over to stop calling. 

I do not owe them money. I do not have debt with them. I have never carried debt with them. I have no relationship with this company. They have absolutely no reason to be calling me. Honor Finance is harassing me because a friend listed me as a reference at some point ( without my knowledge ) and she owes them money. They know where my friend is. They know her phone number and her address. It is not my responsibility to collect a debt for them. 

I want these calls to stop. This is not okay. They have called from several phone numbers on multiple occasions, and I will continue to delete their threatening messages and block every single number they call me from. The most recent contact ( after multiple requests for them to stop calling ) was XXXX XXXX, XXXX, at XXXX a.m. (!!!!!! ) from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 XX/XX/2019

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 2019-03-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that Experian XXXX   and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.

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 2019-07-10
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED ACCOUNTS WHICH IS CAUSING EXTREME DAMAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate information on my credit report with XXXX. XXXX responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at XXXX regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). XXXX never investigated so it 's clear they are willfully reporting false information on my report. XXXX claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA loan that is current with Wells Fargo, over the past 10 years of so, they repeatedly have informed me that my escrow account was short, I have paid any shortages as well as put extra moneys into the escrow account for any future increases on property taxes, insurances increase for my impound account, yet Wells Fargo has increased my payments repeatedly, and I have had several calls with them to try and keep my payments at the same level, I have put in more then enough extra money in the escrow account to satisfy any increase, and just this last week, I was sent a letter by Wells Fargo that I can no longer put any additional funds into my escorw account to keep my payment at the current payment schedule, I have spoken with several other lenders and none of them have told me that this is the law or is required. I believe Wells Fargo has increased my payments even though I have paid shortages and put in funds into my escrow account for any future tax or insurance increases. I do not think Wells Fargo is acting in a Honest, fair manner and to tell a loan payer that they can not put money into their escrow account to cover any potential increases, that the borrowor is subject to yearly increases to my monthly payment is wrong and not in my VA contract for my loan. I have called Wells Fargo on this, asked them what law that allows them to do this or explain what law prevents me from putting any extract funds in my escrow account ... they could not provide my any, I hope CPFB can help me resolve this,

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 2019-07-10
Company: Blue Global Media, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2019 - Approved for a {$5000.00} loan through ELOAN XX/XX/2019 - Funding Date XX/XX/2019 - I called in inquiring when funds would be deposited. Advised within 3 days XX/XX/2019 - I called advising funds still not deposited. Eloan discovered funds went to an unknown bank. Not mine. Advised they have to locate the funds. 
XX/XX/XXXX, XXXX I called in looking for funds? Still not deposited. Told I have to wait. 
XX/XX/2019 - Spoke with XXXX XXXX - stated the escalation dept. was notified. 
XX/XX/2019 - Spoke with XXXX XXXX, no activity, nothing to report. 
XX/XX/2019 - Spoke with XXXX XXXX, advised account with resolutions. Advised he could not deposit funds into account while they looked for the money that went to wrong account. Advised he could not cancel loan and issue a new one without running credit again. Advised the credit hit could not be removed even though I never received funds. Could not give me a a date of resolution. 
XX/XX/2019 - Receptionist would not transfer me to XXXX XXXX nor XXXX XXXX. 
stated they did not have phones. Advised me that the issue would absolutely be resolved by the next day. Per XXXX XXXX thru reception. 
XX/XX/2019 - XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX XXXX advised he did not have an answer as to when the funds would be deposited nor did he have an answer as to how to resolve. He said he needed time, but didn't know how much time. 
I asked to speak to XXXX XXXX, XXXX XXXX superior. I was advised he did not have a phone. Subsequent to that, I was advised he was not in the office. 
XX/XX/2019 XXXX XXXX, left a message for XXXX XXXX advising I did not want the loan and to please refund the payment of {$110.00}, as I never received the loan XX/XX/2019 - Sent email to XXXX XXXX, SVP of Vendor and Operations, advising him of the complete scenario of events. Funds still have not been deposited, despite ELoan, pulling my credit. I have not heard back from XXXX XXXX, nor, XXXX XXXX as of XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-07-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed a total of {$2100.00}. but with daily calculated fees and interest it has accumulated to {$2500.00}, due to me not being able to make the payment of {$270.00} bi-weekly. I have called several times to ask being account is now in default to stop interest and fees which it states in the contract would happen once account goes in default, in oreder to set up a payment agreement to pay this back. Instead, Easy Money continues to charge interest and fees after default in order to make the pay back way more than borrowed, which truly is predatorial. Please stop interest and fees and allow reasonable payback.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Riverwalk Financial Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Integrity First Financial Group
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX has had complaints filed against him in states across the country. He is on every rip off website that exists. He employs a bait and switch method to draw in business. The CFPB has received complaints in relation to his business practices and has done nothing about it. He was being investigated by the State of Georgia as well. He currently has unlicensed LO 's putting XXXX dollars of business in his name, they do the work and get the loan closed in XXXX 's name, and then XXXX 's company pays the unlicensed employees. The name of this company is ironically Integrity First Financial. If we really want to safeguard customers, then action needs to be taken quickly and swiftly against XXXX XXXX and Integrity First Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Receivables Management Service called XXXX XXXX on XXXX/XXXX/14 at XXXX est. looking for the employee who he alleged owed a medical debt. As he started reading off his scripted I stopped him and told him not to call this place of business again. XXXX called again at XXXX XXXX trying to talk above me when I told him he was now in violation of FDCPA 805 ( 3 ) Communication in connection with deb collector and FDCPA 806 ( 5 ) Harassment. 
I would like to request that the maximum legal proceedings against Receivables Management Service be handed down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: Business Revenue Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I did n't recollect owing XXXX these bill that XXXX and BUSINESS ASSURANCE RECOVERY which are the same company anyway according to my research but try to scare tactic people by modding the water and act as XXXX different entity to XXXX people up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that XXXX  Transunion and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.

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 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-05-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a mailed and internet offer to open an account with Citibank and they offered XXXX miles XXXX XXXX AAdvantage and {$50.00} credit after spending {$500.00}, it was indeed spent, but nothing was credited, when Citibank was contacted by chat and provided the screenshot, the agent apologized offered to rectify it and promised additional XXXX miles. 

None took place. But citibank sent a unsigned letter stating the {$50.00} credit will be denied as the account is not eligible. 

Speaking today with XXXX at XXXX call center said, that a credit will posted as a misc credit because of the error, but still not there.

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 2019-07-10
Company: EQUIFAX, INC.
State: MO
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:
In XX/XX/XXXX I had discovered that there had been multiple accounts opened under my name or social security number. The accounts are as followed : XX/XX/XXXX Medical Bill {$55.00}, XX/XX/XXXX Medicall Bill {$650.00}, XX/XX/XXXX Medical Bill {$970.00}, and XX/XX/XXXX Business Acct {$4600.00}. I filed a FTC report # XXXX on XX/XX/XXXX and notified the credit bureaus. Months have passed and I was unable to have everything cleared up with Equifax , Inc, however, life moved on and I just didn't have the time or patience to deal with it. I called Equifax and got the run around and NO HELP at all. Fortunately XXXX  and XXXX  have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting certified documents, so I have no choice but to file this complaint in an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. 

Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, 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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a wage garnishment placed against me which was granted by the courts in XXXX County,  VA however no is able to provide me with a Notice of Service. I was not contacted about this matter, the address that is on the summons XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX which was provided to me by my employer is not my current address. I have not resided at the address on the summons in over 6 months. I did not know I had a court date nor did I know I had the opportunity to dispute this debt, my right was taken away from me. I am also the only one working in my household as my husband is currently battling XXXX XXXX and is unable to work. So this was a stressful shock and has/will effects us financially I am I the only one carrying the financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Filed a request for a car title and bill of sale with Ally on XXXX XX/XX/2021. The lease payout was made in full. Was told the process takes XXXX days. It has now been XXXX  days. Ive made over XXXX calls to Ally. Have sent numerous emails, including to XXXX XXXX the Ally XXXX. No title, no response and no resolution.

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 2018-01-24
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute claim with Aspire on XX/XX/XXXX for a return that I made VIA XXXX on XX/XX/XXXX and provided Aspire with my tracking number from XXXX as well. As of XX/XX/XXXX Aspire still has not responded to my dispute request. I have called Aspire to follow up however I just get the runaround.

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