BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX  XXXX  and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2017-08-04
Company: AES/PHEAA
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 contacted AES numerous times regarding my past student loans ( 2 ) that still show an open status. These loans continue to show on my credit report as open and past due, which is incorrect because they no longer hold the loan. Fed Loan explained that the AES account would be closed as paid since Fed Loan bought the loan from them. My AES account was established in XX/XX/XXXX, defaulted XX/XX/XXXX and the entire balance of the loans was transferred and paid by Fed Loan XX/XX/XXXX. My Fed Loan account is open and in good standings with on-time payments. The AES late payment/open status information should be removed immediately. Any assistance in getting theses charges and incorrect information removed from my credit would be greatly appreciated. Thanks! Have a Great Day! XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Capital One offers a free credit FICO score service.  Capital one refers to this product as XXXX.  I have not been able to get my FICO score with this product.  I have reported the issue to Capital One and their staff cannot resolve the issue.  Capital One has had over two weeks to fix the issue and it is still not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: FC HoldCo LLC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When making my payment online, I am required to make almost double the monthly payment. The online payment option does not allow me to input the monthly payment amount, nor the desired payment amount I want to make. It forces me to pay double. The company said I had late fees. I started making my payments by check, paying additional funds each month to take care of the late fees. I requested an accounting of all my past payments and how they were applied and the spreadsheet that Flagship Credit Acceptance sent me did not show that any late fees were outstanding. In XXXX, I tried to make my payment online and again, it required that I make a payment in excess of {$800.00} due to a " past due '' amount. In a final attempt to resolve the issue, I made the payment in the amount of {$810.00}. This month, XXXX, I again attempted to make my payment online and it is requiring that I pay in excess of {$800.00}. My monthly payment amount is only {$460.00}. By requiring consumers to pay double the payment amount, Flagship is forcing them to make late payments or make phone payments which incur extra fees. They have been doing this since my loan started and I have incurred excessive fees as a result. Additionally, they are not applying the extra funds I send to the late fees so that the late fees are always outstanding. I have complained about this and I think they do it to all their customers.

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 2020-10-30
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Loan with company : CASH1 I am struggling to make payments due to several personal circumstances.

When called the Cash 1 Prelegal Department ( XXXX ) to arrange a payment plan, someone by the name of XXXX responded. I told her the reason why I was behind on my payments and that because of a family emergency, I had to travel out of the country. She said, " that I travel too much and that was the reason I could not pay my loan '' she also said " you are not going to tell me how you want to repay this loan '' among other things. I have been a customer of this company for several years. I am not happy with the way this person responded to me, even when I told her I wanted to repay every cent and needed help repaying with a NV Plan like they have done in the past. 

As of XX/XX/2020 Loan ID : XXXX Balance : XXXX XXXX ID : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. 
also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! 

Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I RECEIVED MAIL FROM GLENN ASSOCIATES MID-ATLANTIC IN XXXX, MD. WHEN THE REP INFOMRED ME I WOULD BE RECORDED I AGREED. HE/SHE ( NEVER IDENTIFED THEMSELVES ) ASKED FOR MY SOCIAL. I REFUSED BECAUSE I NEVER GAVE MY SOCIAL TO THE STORAGE COMPANY. THEY ASKED FOR MY NAME AND ADDRESS. UPON PROVIDING THAT THEY TOLD ME WHAT THE DEPT WAS FOR AND ASKED HOW I WANTED TO RESOLVE. I STATED I DISPUTED THE DEBT AND DIDN'T OWE THE DEBT. THEY ASKED IF I PERSONALLY DID A WALK THRU WHEN VACATING AND SIGN A RELEASE. WHEN I ATTEMPTED TO LET THEM KNOW I HAD 2 OTHER STORAGE UNITS THAT I HAD VACATED AND PAID IN FULL AND I WAS FINE. THE REP BECAME VERY IRATE AND SAID " WELL THIS IS THEIR POLICY NOW AND YOU OWE THIS DEBT AND YOU CAN'T DISPUTE THE DEBT, THEN BEGAN TO YELL AT ME AS I WAS TRYING TO EXPLAIN THAT I STILL HAVE A CURRENT UNIT WITH THEM NOW AND I WOULD GET THEM TO RESOLVE THIS.THE REP YELLED AT ME AND SAID TOO BAD THIS WOULD BE ON MY CREDIT FOR 7 YEARS AND HUNG UP. I CALLED BACK TWICE AND THEY HUNG UP ON ME EACH TIME. I HAVE A RECORD OF THE CALLS AND THEY SATATED THEY WERE RECORDING ME. NOT THAT I COULD BE RECORDED, THEY STATED THAT I WAS BEING RECORDED. IT IS MY RIGHT TO DISPUTE A DEBT IF THEY WANT IT RESOLVED, THEN THEY SHOULD HAVE LISTENED TO ME. I AM VERY EMOTIONAL FROM THIS CALL. I FEEL DAMAGED. I AM NOT A CHILD AND DO NOT EXPECT TO BE SPOKEN TO AS SUCH WHEN I AM CONDUCTING BUSINESS CALLS. SOMETHING NEEDS TO BE DONE TO THESE CREDITORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Aargon Agency, 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 am very stressed at this time as I am in the process of applying for a mortgage loan and that is when I find out that I have an account that is in collections. I immediately send a debt validation letter to Aargon Collection Agency and their response was sent to me after 30 days and they did not send the information that was requested. What was sent to me was insufficient being that I didn't receive the original application with my signature on it and the complete payment history with the itemized bill associated with this alleged debt. This collection agency has reported information that is not 100 % accurate and is considered as negligence on their part. I never verified this debt and this is the first time I was made aware of the alleged debt when I seen it appear on my credit report when applying for a mortgage loan.

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 2021-01-26
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I PAID THIS COLLECTION AGENCY ON BEHALF OF BARCLAY BANK. BARCLAY BANK ASSIGNED THIS CASE TO 2 DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO BARCLAYS BANK BECAUSE BARCLAY SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX  AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.

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 2021-08-11
Company: ECMC GROUP, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
repeat calls from same company by different callers who were in contact with each other. called when i was at work, using stern and condescending tone and insisting to speak with can't pronounce my name. would not hang up persistent.

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 2019-03-06
Company: Bread Financial Holdings, Inc.
State: WA
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:
The week of XX/XX/XXXX-XXXX, XXXX XXXX obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX Date Updated : XX/XX/2015

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 2020-05-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Sps loan servicing states they are holding the lien for a defaulted loan over XXXX years old XXXX XXXX XXXX that filed federal bankruptcy in XX/XX/2006 placed a lien on deed in XXXX county clerk of courts in XXXX county florida.the title company used for filing the deed documentation in court was closed about a month after filing the lien XXXX XXXX and abstract the owner was arrested for fraud I don't know if this was valid from the begining or it was written off in bankruptcy court or written off as a bad debt to the IRS sps loan servicing will not disclose any information previous request for validation of debt wet ink sps transaction history fee history corporate advance history transfer from XXXX XXXX XXXX detail transaction history denide by sps loan servicing something is not right with this I believe possible fraudulent practicing please get to the bottom of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureaus is reporting an erroneous debt to my credit file. I never received a call or notice about this debt and that violates my 30 day right to dispute. I have called and paid off the debt and i requested they remove the debt as i did not receive a notice and they refuse. This is super frustrating as i try my hardest to maintain my credit and they added this collection without notifying me. I need this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On SaturdayXX/XX/2021, I received a debit card from US Bank, number XXXX XXXX XXXX XXXX The name on the card is XXXX XXXX ; I know no one by that name. I have tried to report to US Bank but calling the number provided on the paperwork, plus several other US Bank numbers, was fruitless since they all said that this is a " Reliacard '' which is used for government benefits like unemployment -- and when I try multiple times to phone the Reliacard number they gave me, their lines are clogged and I can never get through. I am somewhat concerned about identity theft or welfare fraud or other issues, and I find it highly irresponsible of US Bank to be inaccessible.

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 2018-04-02
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent 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