BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SIRS CONSUMER FINANCIAL PROTECTION OFFICE Collection company scam : XXXX XXXX XXXX GC SERVICES I am addressing you with all due respect in order to report a fact by which I have been surprised by the GC Services Limited Partnership My person bought a XXXX car to work, which had been paying on time. Unfortunately due to the pandemic, and the death of my husband, I could not continue paying the debt ; which is why I delivered the car to the same XXXX XXXX. They later sold the car they had been buying, leaving a difference of {$12000.00}. 

XXXX sent the debt to the company GC Services Limited Partnership, who sent me offers to help finish my payments, the first offer being {$8500.00}, ( XX/XX/XXXX ) then another offer lowering the price to {$6700.00}, ( XX/XX/XXXX ) reaching a final verbal agreement of {$5100.00} ( XX/XX/XXXX ) as long as he pays the amount of {$2000.00} dollars as a down payment, nine payments of {$280.00} and a last payment of {$270.00}. An agreement signed by the company GC Services Limited Partnership is attached. 

Unfortunately, while I was complying with sending the {$2000.00} down payment and the monthly payments of {$280.00}, I realized that in their letters they placed in their sums that I still owed the amount of {$10000.00}, without respecting the agreement of lower with my initial and monthly payments, the amount of {$5100.00}. 

Wanting to talk many times with the Managers, they always told me they were busy, at the same time I told them to correct the amounts of the sums. Not receiving responses, I faxed the two Managers who sent me these letters without receiving a response to date, which is why I called my bank to stop making the following payments, and I was going to report the fact to the FTC because were not fulfilling the agreement. ( Attached Letters Currently they have sent another company called XXXX XXXX XXXX, so that now they are the ones who continue to charge me the amount of {$10000.00}, forgetting my payments that to date are only {$2200.00}, under the pretext that I stopped the payment. 

This companies have been totally surprised to me gentlemen of the FTC, which is why, I request that you help me to report this fact because I NEVER STOP RESPECTING THE AGREEMENT WAS GC. They were Services Limited Partnership, which defaulted ; in addition to sharing personal and private information as well as my credit card. 
These companies are a FRAUD, because they only took my money and now they do not respect the agreed balance. I Attached letters of the agreement of XXXX ; signed by them ; of which I have been paying {$2800.00}, leaving a final balance of {$2200.00} that I have wanted to pay, but these companies do not want to respect or lower the amount that I have been paying for the debt. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I accidentally set up a XXXX fee payment for XXXX on XXXX. I called my bank ( USAA ) immediately to stop the payment because I was selling my condo. After I sold my condo ( after two weeks ) USAA made a XXXX payment from my account on XX/XX/XXXX. They said they couldn't stop the payment but once it is posted they would get my money back. 
But it turned out it wasn't as they promised me. After it is posted to my account they didn't refund my money back. They told me to contact the merchant. However I contacted the merchant many times but they aren't returning my money either. I believe USAA is the responsible party because I called USAA many times to stop the payment. But they didn't. They basically gave away my money to the XXXX. Now I can't get it back. I didn't receive any services in XXXX from XXXX, because I sold my condo on XX/XX/XXXX. I provided closing documents and post conveyance from the closing agent that states, that money needs to be returned to me. USAA needs to correct their mistake. I trusted USAA and therefore I kept my money there. Basically, they gave away my money to a merchant I didn't receive any service for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Americas Car-Mart, Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  requesting the debt be verified. On XX/XX/2021, XXXX  sent me investigation results showing the account was updated but sent no documents proving I owed the debt. On XX/XX/2021 ( tracking # XXXX ), I sent a certified letter via USPS mail to Colonial Auto Finance/CM stating that I felt my rights were violated as a consumer by their company for failing to validate the debt at my request and requested proof of their right to own/collect this alleged debt within 15 days of the letter. The letter sent to Colonial Auto Finance/CM was, '' delivered, Left with individual '' XX/XX/2021 at XXXX. I did not receive proof from Colonial Auto Finance/CM 15 days prior to sending a letter to them requesting proof of the debt. On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  explaining to them this is my third written request and final warning. Colonial Auto Finance/CM has no proof I owe this debt and I intent to pursue litigation in accordance with the FCRA to enforce my rights as a consumer. On XX/XX/2021 I received a letter from America 's Car-Mart dated XX/XX/2021 stating, " We do not provide general validation of account information or provide account statements. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I requested two checks from within my XXXX account associated with email XXXXXXXXXXXX. The request was made on the XX/XX/XXXX and it is now the XX/XX/XXXX and I have yet to receive them. There transaction IDs are XXXX and XXXX. PayPal has shown a message for each transaction ID as invalid which shocks me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment. 

In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment. 
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX   outfit, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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 have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and experian with XXXX XXXX bank under the fair credit act 15USC 1681A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans Union is reporting an account through XXXX XXXX as open, even though it has been closed for XXXX  years. they are also reporting the date of first delinquency as XXXX of XXXX, when in fact it is XXXX of XXXX. I have confirmed with XXXX XXXX and they confirmed that the account is bother closed, and the date of first delinquency was in fact XXXX of XXXX this has been disputed with TransUnion XXXX times, and even though i provide evidence of my statements, they refuse to change it. they are inaccurately reporting my credit history which is a direct violation of the FCRA. Both XXXX and XXXX are reporting this account correctly, so I am unsure as to why TransUnion continues to inaccurately report. they have also clearly mishandled disputes

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 2023-02-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from XXXX XXXX a while back in XXXX. I requested an itemized bill because the original bill had no details about what the bill was for. I received no response. Then I got a notice in XX/XX/XXXX stating that they tried multiple times to contact me, which is a lie, and they sent my bill to collections. I just want them to send me an itemized bill with details about what I was being charged for. Medical bills are required to do this, and they are not compliant with basic consumer law. They also lied on the letter about trying to contact me. Now it is in collections. I requested the debt collector to send me the details on the medical bill and they are unable to produce details on what service I received at XXXX XXXX, but still insist on paying them. I just want a bill that has details of what service I received and was being charged for since XXXX and nobody has been able to produce that for me. I am unable to pay the bill with my XXXX XXXX Account with the information that was sent to me, so this is important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Chrysalis Holdings LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to my Mortgage XXXX, New Day USA, to refinance my Mortgage, pay off some debts, with a cash-out of approximately, {$24000.00} to add a basement toilet and repair some plumbing. This personalized financial plan proposed by New Day USA, would have reduced my monthly Mortgage by {$540.00} and yearly by, {$6400.00}. I agreed and signed all the disclosures to move forward. The last step was the XXXX of our home at XXXX XXXX XXXX XXXX XXXX XXXX Pa. 
The XXXX was, XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX Fed. I.D . # : XXXX I recognized XXXX as the same XXXX that appraised the home when we purchased the home. XXXX XXXX was rude, unprofessional with no politeness. 
He took photos. I asked him to photograph the large amount of property attached to our home. He replied sarcastically, " do you want to be in the photo also? '' He swiftly ignored the amazing work we had done, removing and refinishing the floors, which were stapled with carpet XXXX XXXX XXXX. Without addressing this description further, I am sending you a copy of XXXX XXXX 's, " so-called '' XXXX. The XXXX is Sloppy, XXXX & White Photo copies, fuzzy and unrecognizable as the home I live in. A professional XXXX company can not seem to afford to give XXXX, clear photographic description of my home, which is used to base an important decision on the financial future of a 100 % Service Connected Veteran and family. This XXXX is " ludicrous '' and insulting. After being denied a Cash Out by New Day USA, which they based the denial on the XXXX 's " old school '' XXXX appraisal antics, I asked my Mortgage company for a different XXXX. I was declined and told to wait another 6 months. While New Day Mortgage determined that I didn't have sufficient " Equity '' to approval the proposal which they had given me, New Day never considered that I am a 100 % Serviced Connected XXXX Veteran and I pay XXXX Taxes on my property. That fact should should bear more positively on such an important financial decision, than this disgusting, sloppy, XXXX and White non-professional, old school XXXX XXXX. I am prepared to send you XXXX photos of my home and property and you determine yourself how deceptive this so-called XXXX is and possibly fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collection from 2013 They call me to pay it off so the can remove it from my credit score i did pay them and the amount still show up on my credit and they didnt remove it

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 2023-01-31
Company: Cascade Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen in the emergency room XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided my Insurance Information which is XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX. I never received anything concerning this bill until I got a letter from cascade management a collection agency saying that I was in collections. The XXXX Billing company, XXXX XXXX XXXXXXXX XXXX XXXX never billed my insurance company or submitted it to the wrong carrier because my insurance company has no record of the claim. I was able to get the billing to resubmit the claim and my insurance company denied it because it was not billed in a timely fashion. I told the collection agency this and asked them to remove me from collections. They refuse and continue to call my home and send me letters.

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 2021-05-29
Company: Experian Information Solutions Inc.
State: MA
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 XXXX2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX-2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2021-05-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2021 i deposit XXXX into the atm and the atm ate my money chase closed my account without giving me my money back from my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
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 am writing to dispute the following information that your company supplied to me. It's also different than what is currently being reported by XXXX and XXXX credit reports. 

These two items ( 1 ) XXXX XXXX XXXX and ( 2 ) XXXX XXXX does now belong to me and is fraud. I have included the FTC report. I have also included a copy of my credit report from Experian, XXXX and XXXX. You will notice that only Experian is reporting these accounts and also reporting I have a bankruptcy on the XXXX XXXX XXXX account. 

I'm requesting to have these accounts removed asap as these accounts do not belong to me and I have never had a bankruptcy. I have included a report from XXXX XXXX that shows I've never had a bankruptcy. 

Enclosed are copies of my credit report and other documents like my id and address. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete this asap. 

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX 

Account name : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX 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 2023-01-31
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XX/XX/2022 {$640.00} it is identity theft case. i did police report and notified attorney general. it was collection on me with XXXX systems for utility bill that not mine! i dont live in XXXX  where bill address is. fraud and stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX has ceased collection on XXXX XXXX account for XXXX. Transunion has not deleted it but it's been deleted from my XXXX  credit report.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation