BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: GreenPath, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2017 the debt management service I had my account with XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ) changed companies to GreenPath during that time I did not receive a statement for XXXX or XXXX from the new company GreenPath. Because of me not receiving a statement ( reminder ) I did not make a deposit. the previous company did a great job in sending me statements, return envelopes and statements where the monies were spent. GreenPath did none of those things Their accounting does not add up to the proper amounts. As soon as I found out about the issues I sent deposits to GreenPath.
When I received a statement on where the monies were spent XXXX of the creditors were not paid and are threatening to charge off the accounts. GreenPath 's excuse was they are paying priority accounts instead of paying each creditor as previously determined by XXXX.
GreenPath has not dispersed all of the deposit monies deposited and have continued not to pay all the creditors as did the previous company. XXXX creditors are still not paid yet there should be sufficient funds to pay all creditors as previous company had done. The XXXX creditors are XXXX XXXX and XXXX XXXX. XXXX XXXX has told me they have not received a payment since XXXX but I have a statement dated XXXX XXXX, 2017 from GreenPath stating XXXX XXXX is being paid {$110.00} My deposit amount each month is {$560.00} but GreenPath has only been dispersing {$450.00} so there should be a balance deposit of {$110.00} minus fees of {$35.00}. When I have called and tried to get them to pay the creditors not paid I have been told I have a balance of {$5.00}.
This issue has been on going since XXXX I need help to get my credit management back in good standing.
Everything was good until GreenPath took over the account.
Please help.
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, This fraudulent account doesn't belong to me. I dont recognize it, nor did I authorize them., Can you please delete and block the following fraudulentinformation from my credit report. 
*see Attached*

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX and Experian are not updating my credit report for one negative item. XXXX and Experian keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXXto confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and Experian " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.

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 2019-05-01
Company: National Recoveries, Inc.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, In XXXX of this year, I received a letter from National Recoveries. A company I have never heard of until I recently researched to find they are a fraudulent collection agency. I responded to this letter stating I owed nothing on a false debt they were trying to collect. When you call the number it rings then disconnects. When the dept of education investigated my complaint and found the fraud, deception and predatory lending that occurred to me back in 2009, both of my cases were closed stating I owed NO DEBT. Both the schools not only kept money owed to me, they along with the dept of housing   literally put me on the street for 7 yrs. Both schools knew all along I never qualified for any loans for I never had the education to start the schools to begin with let alone how they continued to lie to me causing me lose my home causing me to be unable to even do school work or have the right equipment to do the school work. 

A few weeks ago I received a letter and a copy of a loan document ( one of which I already had ) that I did not ask for stating I owed the debt. Which tells me they did not do their job to see I did not owe the debt they were trying to collect. Yet their harassment has continued and enough is enough. I am tired of being taken advantage of by the US Govt. The US Govt allowed my acreage to be taken illegally then allowed TWO schools to take advantage and defraud the Govt and myself for trying to better my self after everything that was taken from me. The schools knew all along the fraud and deception they were illegally doing. THAT IS WHY BOTH OF MY CASES WITH THE SCHOOLS WERE CLOSED WITH NO MONEY OWED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted kimball tirey & st. john to discuss a large collection that appeared on my credit record. They informed me it was from a lease that was for an apartment my x wife had in her name only. I explained to them I was not a part of that and the contract was signed by her only before we were married. I requested multiple times they provide me a copy of the contract they told me I signed. They refused on every occasion. They also have it in dispute with the credit agencies I have explained to them I am trying to purchase a house and this is holding me up. They said they will hold me buying a house up unless I pay them and they would also not do anything about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collection company out of South Dakota has been calling my previous employer, my father in Florida, my ex girlfriend from 20 years ago, my friends, and current employer and have been discussing personal imformation with them about my debts and my character. Saying they are investigating me for fraud and saying I owe money. This has made me very upset and I feel embarassed and personally violated. On Wednesday I called the company and asked them to stop calling and talking to other people about my personal business and to notify me in writing. They said they do not notify people in writing. Their phone number is XXXX. They assigned a case number to me. XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2018, XXXX CST, I received a phone call from XXXX who works with Receivable Performance Management. I asked XXXX what was this about and he said they are collecting a debt. I advised XXXX this is my first time hearing of this did he send me a letter in writing to notify me of this debt. XXXX advised me that would be redundant. I asked him well, how would I know who to pay, what, when to pay and he advised that the person I owe would have sent me a letter. I advised him since this is my first time knowing of this via phone call, I asked him not to correspond with me via phone, only in writing and that 's when the phone disconnected. Lo and behold, I pulled my credit report and notice this same company reporting.

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 2022-01-17
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On a new car lease dated XX/XX/2021 with Hyundai XXXX, I made monthly payments and received written confirmation as follows, dated : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/XXXX. 2021 All payments were electronic transfers from my bank account ending in XXXX. 

Beginning with the XX/XX/XXXX payment, all payments were completed with Auto-pay a Hyundai XXXX XXXX XXXX which I set up and received email confirmation dated XX/XX/XXXX. 

On XX/XX/2021 I received phone call from an individual who stated they represented Hyundai XXXX XXXX Department who stated my account had been referred to for collection to a contractor XXXX XXXX who requested a large payment amount. 
I knew my account was current and had been paid before the monthly due date since the lease began. For that reason I suspected the caller was a scammer, as the phone number did not show up as HyundaXXXX XXXX. 

I asked to speak to a manager, and was connected with XXXX XXXX who stated XXXX was not in effect and the service was not available to me. She stated several late fees had been applied to my account. She also stated my bank had rejected payment on several of the auto-pays. I stated this was impossible because I have copies of all confirmations or receipt. I REQUESTED ALL LATE FEES BE REVERSED, and a written statement of their error. 

Before the XX/XX/XXXX call, I had never been contacted by Hyundai XXXX ; not by email, nor my phone nor by a statement to my home address. I wrote a letter to Hyundai XXXX dated XX/XX/XXXX, disputing the handling of my account, and never received an response. In the letter I requested confirmation stating they made a mistake and that all late fees and credit reporting be immediately reversed. 

After I ended the call, I checked my financial statement that are used for Auto-Pay but I did not see transactions on the dates shown on the confirmations I received from Hyundai XXXX XXXX 

I consider this to be suspicious and predatory! I contacted the financial institution used for Auto-Pay, XXXX XXXX XXXX and met with the bank officer, who stated that not one electronic payments had been rejected. I gave the bank officer copies of all confirmation notices from Hyundai XXXX, and he immediately called Hyundai XXXX. He advised the rep that XXXX XXXX had not received nor rejected such amounts. 

This dispute remains unresolved. I have since paid off the lease since I consider their tactics to be dishonest and predatory.

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 2017-07-28
Company: Experian Information Solutions Inc.
State: IL
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:
There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file immediately.

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 2022-01-17
Company: FISERV INC.
State: OH
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:
On or around XX/XX/XXXX, Fiserv in XXXX Oh pulled my credit report without authorization. Multiple attempts were made to try and contact the company in XXXX, Oh. Even during business hours, the phone # goes to voicemail and there is no way to leave a message. The number provided on the credit report itself, goes to XXXX and they could not provide any help nor did they speak fluent English. 

Fiserv XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called Barclay several times to remove the balance and update the status of this account. I need this account removed from my credit report right away. I had my check garnished for the balance owed and my employer and myself have verified that the account was paid in full. This account was used by my X fianc and yet I had to suffer it the balance alone, In good faith i paid it and now Barclay has not honored their own agreement and reported the information accurately to reflect my diligence.

I'm asking that they remove this from all of my credit reports completely.

I have documents from Barclay that verify my {$0.00} balance, it shows in their own system that my employer sent the documents to them last year, and that I've called numerous times to solicit their help to resolve this matter.

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 2018-01-08
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance : {$3.00} On XX/XX/2019 I notified Professional Debt Mediat in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Professional Debt Mediat refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Professional Debt Mediat under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : UTILITY SELF-REPORTED XXXX - {$81.00}. Inquiries : EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX 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 2017-07-28
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
sent police report and idtheft protection cra violation inaccurate information

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ON XX/XX/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....

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 2022-01-17
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
American First Finance reached out to me regarding a debt collection for couches purchased at a store called XXXX XXXX. I advised them that I never initiated a loan or purchased any couches from a company called XXXX XXXX. They sent me a document to fill out regarding fraud which I completed and returned. However, they continue to state that I got a loan and purchased the furniture. I spoke to another rep who then stated that I purchased the items from XXXX XXXX  XXXX. I advised that I purchased my daughters bedroom set from there, but it was paid in full with cash and that I did not obtain a loan. I have sent them proof of the transactions, I proved that I paid in cash and they continue to state that I purchased couches. I was advised to get a police report. However, when I called down to the police station I was told that it happened to long ago and that they can only take a statement. I'm at a loss and do not know what further steps to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i told them many times to stop calling they stop and now are are robocalling me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}

Company response to consumer: Closed with explanation