BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: Diaz & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diaz and associates contacted my place of employment without ever notifying me by mail or my private number on XX/XX/31 and XXXX. Theyve called there several times. When I called on XXXX to verify why they was calling for an unknown debt and asked why I was being harassed at my employer I was transferred to a manager ( XXXX XXXX ). He became angry on the phone and threatening that I need to pay debt of {$3200.00}. I then called the payday loan and it was accurate I owed a debt but my debt was given to XXXX XXXX. I called them there and my account is still open with them, not Diaz and associates and my amount asked is actually {$2300.00} per XXXX XXXX. Another person called me from Diaz and associates and again tried to say I owed this debt, wanted me to give him my current address and other information and demanding i pay them. When I said I was filing a complaint and calling my attorney general he became angry and was saying I owed this debt and needed to pay. I explained several times Ive spoke with XXXX XXXX XXXX and I will be going through XXXX XXXX the debt collection XXXX XXXX XXXX   sent my debt to. I tried to tell him to stop calling my employer and he hung up. I called back because he would not let me get the words out and kept hanging up on me so I could not state not to call anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2019-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a checking account with a {$200.00} bonus from BBVA. I met all the requirements that they listed but it's been almost 4 months and they haven't deposited my bonus. They also don't respond to inquires about this, and have overall very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Advanced Recovery Systems, whose address is XXXX. XXXX XXXX XXXX, MS XXXX, sued me for medical debt in XXXX County Justice Court. I showed to the hearing and cited improper venue because the FDCPA states that the suit against a debtor is to be brought in the county where the debtor presently resides or the county where the contract was signed. I am a resident of XXXX County in the State of Mississippi and was when I received the healthcare service from the original medical providers. The medical providers are all entities located in XXXX County. ARS is a debt collector and they bundled 4 independent assignments from 3 different entities into one lawsuit. I never received the demand letter from the attorney of record, XXXX XXXX XXXX XXXX, representing ARS because it went to the county that the suit was filed. ARS, debt collector, clearly violated my rights under the FDCPA and due process rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Universal Account Servicing, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Last attempt email : XX/XX/2023 last attempt by phone XX/XX/2023 Company : Universal Account Servicing , LLC XXXX XXXX XXXX, XXXX, MO XXXX UNITED STATES Also goes by the names : Universal Account Servicing is the third-party billing service provider for your purchase from XXXX XXXX XXXX XXXX XXXX. 

This company was assigned to " service '' my loan from XXXX XXXX XXXX with little notice. They do not respond on the phone, and if they do they don't know much about the account. They also do not respond to emails. I've asked for a payout so I can close out this account as I do not trust them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX 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 explanation
Consumer complaint received 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been a victim of identity theft someone got hold of my information and run up my cards and when I contacted the company they said they would take care of it but didnt and its still on my credit report negative which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SYNCHRONY FINANCIAL
State: TX
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:
Good Afternoon, My husband and I both ( XXXX and XXXX XXXX XXXX ) received a letter from Synchrony Bank dated XX/XX/XXXX. It was a credit program with XXXX XXXX XXXX. My husband and I for one do not own a house and do not know what these people were selling, we have not had any contact with anyone, We are trying to improve our credit, not make it worse. I XXXX the company and it is some kind of XXXX outdoor Living. 

Can you please help, this is the information on the upper right hand corner XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2019-09-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Riverwalk Financial Corporation
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: ProCollect, 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:
On XXXX/XXXX/XXXX both my son and I were contacted on our cell phones with a message left by Pro Collect, Inc. On the same day, we returned the call and were advised that they were collecting {$50.00} for an unpaid charge from XXXX XXXX in XXXX , SC ( an apartment complex where my son had lived and moved at the end of his lease on XXXX/XXXX/XXXX ). I explained to the Pro Collect representative that the charge was in dispute because the touch up paint work ( which is what the {$50.00} related to ) had not been done. Pro Collect would not note the file as in dispute on " refusal to pay '' and threatened a " hit '' and " ding '' on my credit report as well as my son 's if payment was not received by XXXX/XXXX/XXXX. This was only 3 days from the date of contact. Asked for something in writing - was told that would take 5-7 days but I still had to pay within the 3 days. Pro Collect would not fax nor email the requested written information. Pro Collect representative said " well we mailed a letter and must have been sent to a wrong address ''. But the representative could not verify to me what address the letter had purportedly been sent. I have been in touch with the apartment complex to sort this out, but so far have not been in receipt of any substantive information. Only been getting the run around here to. I have had to pay the {$50.00} plus {$7.00} collection fee via credit card today via Pro Collect website because of fear of credit reporting issues. I am appalled at the extortion that this company uses to collect funds. They refuse to work with you even when you are above board and NOT avoiding the calls or issue at hand. All I wanted is for Pro Collect to annotate the file as disputed to enable me to again follow up with the original credit for resolution of the issue.

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 2017-09-23
Company: SECURITY FINANCE CORP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have taken out one loan with security finance and it 's paid off which was 7 years ago probally around 2009. I 'm seeing new loans from as recent as 3 years ago with with them with different amounts borrowed that I did n't make myself. Seems someone used my information to create new accounts with out my knowledge because I never got any mail from them since my first and only loan I did myself.

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 2023-01-02
Company: EQUIFAX, INC.
State: VA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX AV XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: BB&T CORPORATION
State: SC
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 attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that Branch Banking and Trust reported account abuse on XX/XX/2018. The issue is that I have never opened an account with Branch Banking & Trust or BB & T. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings

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 2019-06-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last month on my mortgage statement there was the following note LENDER PAID EXPENSES Required expenses paid by Mr. Cooper on your behalf to another company ( e.g. legal or inspection fees ).  XXXX. 
I called Mr cooper about this expenses and they were unable to tell me what the fee was for. They told me that they would get back to my in written ( email ) about what the charges are for by the end of the month, that was at the beginning of XX/XX/XXXX so the said they would get back to me by XX/XX/2019. Today XX/XX/XXXX, I still have not received anything. I have called the company back today and sent me the follow PDF, that say they did a property inspection and legal fees. Why would I be responsible for these fees. My account is current, I had fallen behind but I may all of the back payment this past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: LEADER ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted LeaderOne Financial in XX/XX/2018. I was told that we have plenty time before we have to get the ball rolling, since closing is set for XX/XX/2018. When we got to about three weeks before closing, LeaderOne Financial agreed to match a locked loan estimate I received from another lender on XX/XX/2018. They did this by working with and XXXX XXXX XXXX ( both in Colorado ). Three days later on XX/XX/XXXX, they simply said they can not match it anymore. They dragged their feet on the entire process so that I am forced to go with them. No other lender is able to close on time now. This is essentially costing me about {$10000.00} ( not out of pocket, but in lender credit and closing costs not to even mention the stress, time and effort ). 
I started getting suspicious when LeaderOne Financial outsourced to  XXXX XXXX XXXX, and started using personal email address rather than company email address. They both then outsourced to a major bank ( XXXX XXXX ) who called me and was upfront with me and explained there is no way they can do what these lenders promised me. Now they simply gave up and left me with the mess. I have to forego the deal on the new property and start from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
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:
-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( 1. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 2. XXXX XXXX XX/XX/XXXX - ( 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - ( 4. XXXX XXXX XX/XX/XXXX - ( 5. XXXX XXXX XX/XX/XXXX - ( 6. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - ( 7. XXXX XXXX XXXXXX/XX/XXXX - ( 8. XXXX XX/XX/XXXX - ( 9. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 10. XXXX XXXX XX/XX/XXXX - ( 11. XXXXXXXX XXXX XX/XX/XXXX - ( 12. XXXX XXXXXX/XX/XXXX - ( 13. XXXX XXXXXX/XX/XXXX - ( 14. XXXX XXXX XX/XX/XXXX - ( 15. 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 2018-02-13
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So, I wanted to close my cable/internet account with XXXX because I was moving, and they said in order to close your account you need to pay {$180.00} for the rest of the month. Then, next month, in my new apartment, I signed up for XXXX, and they billed me for something I already paided for, I tried to contact them and they would hang up on me and soon sold my collection to another company whom are charging me {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CONSUMER FILE THAT ARE CAUSING ME TO NOT BE ABLE TO PURCHASE A NEW HOME.

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