BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.

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 2018-01-11
Company: Diversified Consultants, Inc.
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX began calling us on XX/XX/XXXX 2017, the claim was not identified at the time and the caller was extremely aggressive in trying to collect a debt of {$220.00}. Once I explained to them that we are stationed overseas so it was past XXXX ( XXXX local ) which violates their rules as well we have no idea the service because she did not identify the claim at hand. She was even more aggressive in trying to collect to which I cancelled the call and blocked the service provider. Since then we would still receive multiple calls from the service from different numbers throughout the morning and the course of the day and late into the evening. The calls became harassment very quickly with no information on the claim, finally I was able to force a caller to give us the claim information which came to XXXX XXXX XXXX under XXXX XXXX. The issue is we have never heard of this company and we only had one provider for the past 3 years how we contacted and said our account debt free since we left the country. The caller became angry and refused to give any information stating to google it ourselves and I cancelled the call. After speaking to all of our banking services and checking our credit reports we saw no sign of this magical debt we apparently owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account on my credit report in the name of MIDLAND CREDIT MANAGEMENT with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I received an offer for a XXXX XXXX XXXX credit card back in XX/XX/XXXX and received the card around XX/XX/XXXX. For a few years everything was fine then in XX/XX/XXXX or so I received a letter out of the blue stating that the card was closed so I called immediately to be told that they closed the card because they believed it was fraud and identity theft- I explained that I have had the card in my procession for years and that there is no identify fraud happening, I asked how I could prove this as it became ridiculous and this dropped my credit score - so they had me send in all of my information, drivers license, bank statement, social security card etc.. even after all of this they still would not re-open my card. Soon after they listed this card as a charge off on my credit! Even though they advised me that I had to pay it in full /XXXX balance which I did. No matter how much I call or write them they will not change the reporting on my credit bureaus even though they admit that it shows fraud and I explain each and every time, I have also repeatedly try to dispute straight with bureaus and they said its already been investigated.

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 2021-03-09
Company: Accounts Interchange Group LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Days following up to XX/XX/XXXX a XXXX from AIG ( accounts interchange group ) contacted me about a debt from XXXX the XXXX XXXX XXXX. This was a legitimate debt but the way it was handled was very unprofessional. XXXX left me a voicemail on my business phone and because he heard what the name of my company was, he threatened on the call and said thats fine Ill just be contacting your management company and they can give me the information I need to garnish your wages I told him that I was not able to receive personal calls at work and also told him that my company has nothing to do with my debts. I also told him that I didnt want him to contact me anymore just like it says on the companies website. he kept on and on and in a threatening tone the whole time told me that if I didnt pay by the end of business that day, that I would be going to court. I felt that the threats would not end and had just recently received a XXXX at work and did not want my job contacted over something so silly that I ended up paying him the XXXX that was owed. He told me it was too late to do any sort of payment plan eventhough this was the first time I had ever even been contacted about this debt from 2016

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I KEEP RECEIVING MAIL FROM FHA BENEFITS, THIS LETTER IS NONSTOP ON MY MAILBOX ABOUT AVAILABLE FUNDS REPORT. I WANT TO BE REMOVED FROM THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Eastpoint Recovery Group, Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastpoint Recovery Group , Inc informed me via letter dated XX/XX/2021, that an alleged debt had been sold to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by XXXX XXXX XXXX fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Time Investment Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX, am a consumer whose consumer rights are to be protected by the FDCPA, TILA, and FCRA. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Time Investment Corporation T/A Time Financing Service located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX ; which will continuously be referred to as " Time Financing Service ''. Time Financing Service first violated federal per 15 USC 1692g ( a ) when on 8/13/2021 they failed to give prior notice of debt but instead chose to violate 15 USC 1692f by using unfair practices to collect a debt when the company filed a smalls claims suit against me at the XXXX County Courthouse located in XXXX NC. The sharing of this alleged debt with a 3rd party without prior consent from myself violates 15 USC 1692c ( b ). I also never gave Time financing Corporation prior consent to contact me about debt collection which violates 15 USC 1692c ( a ). The fact that time financing services is blatantly using deceptive means to attempt to collect an alleged debt violates 15 USC 1692e and has become harassment which violates 15 USC 1692d. I plan to report this harassment, slander, defamation of character, and violation of my consumer rights to the OCC, FTC, and NC State Attorney General office for the company 's poor and fraudulent practices when attempting to collect an alleged debt stemming from a consumer credit transaction. If Time Financing Services can not validate this debt then they must delete the account and stop all attempts to collect an alleged debt immediately to avoid the continuous violation of state and federal law that says I am not obligated to pay this alleged debt per public law chapter 48 stat. 112

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: RGS Financial, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert on my credit report that an collection account with RGS FINANCIAL was added to my report. I reached out to the company and they advised it was for XXXX. I informed them that the account does not belong to me as i have never done business with this company. my information was used fraudulently to open the account which is why i have an credit alert on my credit report now. This account needs to be removed from my credit reports ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response. 

XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response. 

XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees. 

XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing. 

XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date. 

XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller. 

XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is calling me to ask about my daughter here she is. I get calls from Navient a least XXXX times per day. Navient is calling me my son my ex-husband asking about my Daughter we don't know she is. She has not talked to us for a least XXXX years. How do I spot getting calls from XXXX? This is been going on for about XXXX year. 
Please help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a consumer )

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 2018-01-23
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: Account information incorrect

Complaint:
Transunion reports my credit utilization as 29 %, which is grossly in error and lowers my credit score by almost 20 points. My TOTAL amount of credit card debt across 3 total cards -- - 2 XXXX XXXX accounts and 1 XXXX XXXX XXXX card has not exceeded {$1200.00} Total in several months. Yet, Transunion, as of X/XX/18, is currently reporting that I have balances totaling {$1700.00}! My actual balances as of X/XX/18 was around {$700.00} ; which is a 11 % of my total credit limit on these 3 cards of {$5900.00} -- No where NEAR 29 %. 

Furthermore, Transunion reports that my untilization went UP during the reporting period, when in fact it went DOWN considerably. 

Transunion reports the highest balances on each card as if they all are simultaneously occuring ; which they are not. Sometimes one card is high and the other is low. Yet XXXX reports the highest balance on both as if they occured at the same time.

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 2021-04-13
Company: EQUIFAX, INC.
State: TX
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:
fcra violations remove : Also known as XXXX, XXXX XXXX, XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy filing Original filing date : XX/XX/XXXX Latest status date : Account Info Reference Number XXXX Court U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a card with Santander Bank that I use for automatic insurance charges. My last charge went through in XX/XX/XXXX. I forgot to check the card to make payment since I don't use it frequently. Santander did not notify me that I had a balance due on the card until XX/XX/XXXX, 120 days since it's been delinquent. I paid off the balance immediately after being notified for the first time, but I had to do it over the phone because they locked me out of my online banking account. I filed a complaint with the XXXX  and the rep at Santander I'm working with investigated my account, and confirmed that they had made no attempt to contact me about my delinquent card since it entered that status XX/XX/XXXX, until XX/XX/XXXX, which I immediately remedied when but it was the first and only time they contacted me about it. Though they did not make any attempt to make me aware of the charges or collect them, they reported my credit line delinquent to the credit bureau for 120 days. My credit history has been perfect, and my score was above XXXX before this incident. I'm in the process of trying to buy a home, recently ran my credit, and my credit score is now around XXXX. Their failure to notify me about this balance for 120 days is leading to major problem for me, due to the timing of my home purchase, which i'm under contract for, and I fear it may jeopardize it altogether. If Santander can not help me rectify my report, fix my score in a timely matter, I'd like to pursue statutory damages. It seems like failure to notify a person of debt owed is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PNC Bank N.A.
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to the public health emergency, my loan was under deferment until it was paid off in XX/XX/2021. I contacted PNC to find out why they have reported my loan as delinquent for the past 20 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: First National Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21, I received a notice from First National Collection Bureau advising of an alleged credit card debt which was not validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Associated Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT This Company ACS, Trying to collect a debit with a XXXX amount of {$4100.00} it look like a gas debit under my name. I do live completely different from the address that they report they have no evidence or prove of any bills not paid and from how long, they said is a residential. But there is no residential bill that is on that amount, they call me and they threat that if I don't pay I will be arrested, they call back again and one operator it said that they will send a Sheriff Dept. at home, i get lot of stress I do not sleep on night the costumer service is so aggressive and bad

Company response to consumer: Closed with explanation