BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Wilber and Associates, P.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have personally contacted Wilber and Associates and can confirm that the law firm that was previously representing me contacted them to dispute the validity of this supposed debt. Wilver & Associates are ATTEMPTING TO COLLECT ON AN INVALID DEBT ON BEHALF OF XXXX XXXX. XXXX XXXX has provided them with invalid yet critical information regarding a loss to include the incorrect vehicle owner 's name, address, and insurance policy details, all of which were obtained by the police officer who responded to the accident and thereafter shared with both drivers. 

I have taken time to bring this to their attention on multiple occasions, most recently today, and insist that they do their part to remedy this immediately as they have no legal grounds to pursue collection efforts. I was hit by Wilber & Associates 's client 's insured who at this time has been found to be at least 80 % liable. I continue to dispute all liability and am prepared to retain an attorney as this claim progresses to mediation. 

The company has been advised of the vehicle owner 's correct name and insurance policy information. How they can engage in collection efforts without first validating the details of said debt is unconscionable and irresponsible. I feel XXXX XXXX is also at fault for contracting with this third party debt collector and provide misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as one. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or 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 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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 making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2018-10-01
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Pendleton Capital Management
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pendleton Capital Management called my sister, XXXX XXXX, on Friday after repeatedly calling her back to back. After about the firth call, she answered and a lady asked her was she my sister. Out of concern, she said yes. The debt collected said that she was trying to get in touch with me. She never asked for any contact information but started telling her that I owed a debt and that they were a XXXX company. She stated that they were in the process of taking legal civil actions against me and was taking me to court. The debt collector told her that I had put a stop payment on the account and that I need to call her at XXXX XXXX ext. XXXX. When my sister called me about what had been said on Friday, XX/XX/2019, I became very angry about this company divulging my person and financial information. 
On Monday, XX/XX/2019 I, XXXX XXXX, called the number that was given to my sister and spoke to the lady that talked to my sister. ( XXXX or XXXX ) I told her who I was and she stated that the call may be recorded. I told her that the call was being recorded on my end. She said that it was fine. First, I asked her did she divulge personal and private financial information about me to my sister? She denied some but began to become very defensive. She would not let me talk and we got into a heated discussion. I did not say anything inappropriate to her but she started to threaten me. She said that I was in violation of the Disability act, I told her that I was XXXX. She said that she knew that I had two vehicles and named them. She stated that she would tell the finance companies that I was in the habit of writing bad checks and that I stole money. Very little was said about the debt except I owed over a thousand dollars and that I refused to pay. I stated no such. I asked her to send me all the paper work that she had about the debt and she said she could not. She hung up on me and call me back 15 minutes later. She has been calling me since but I will not answer. Everything I have stated is backed up with a recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Atlanticus Services Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I ordered a TV online with " XXXX XXXX XXXX XXXX '' and utilized their preferred lender - " XXXX  ''. I ordered the appliance on XX/XX/XXXX and quickly cancelled it the very next day ( XX/XX/XXXX. You will see on the statement I uploaded ). They contacted me today ( XX/XX/XXXX ) and I had a " chat session ' with them explaining everything. They stated I was credited the amount of the order but the annual fee will still stand. This is a complete scam as well as a version of " predatory lending ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within  30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX  is stating I have " COLLECTIONS '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.

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 2019-08-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX and returned the lease on XX/XX/2019 which is 4 days prior to the lease end date. Toyota Financial claims I kept the car two months past the lease end date without paying for the vehicle although I have proof from the dealer which received the car back in XXXX. I never received any invoices for this supposed late return. As a result of their mistake they have ruined my credit and my credit score has dropped by 72 points. I have been trying for the last month to resolve this issue with Toyota Financial and the three main credit Bureaus. Toyota is now admitting they made a mistake but have yet to inform the credit Bureaus. Every time I call Toyota I spend 15-25 minutes on hold and once connected I get a representative that can barely speak english and keeps reading a script. I am no longer willing to tolerate this, my credit score went from 805 to 733 for a mistake Toyota has made and keeps promising to resolve for the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I overpaid my 2nd mtg by {$1200.00}. I by my mistake sent in a check in the amount of {$1600.00}, but it should have been in the amount of {$370.00}. When I found out my mistake while reconciling my bank statement, I immediately called Select Portfolio Servicing and let them know my mistake and asked them to send me the difference I overpaid via a check by mail. This call was made back on XX/XX/XXXX. Since then I have made numerous follow up calls regarding my check, each time I have been given the run around about receiving my check. I have been told it was mailed out regular mail on XX/XX/XXXX, I was told by supervisor XXXX XXXX ( XXXX ) on XX/XX/XXXX that the check was overnighted via XXXX on XX/XX/XXXX but could not give me a tracking # because cashier dept was closed at the time and he would call me back the following day ( XX/XX/XXXX ) with that info. XXXX called me back the next day ( XX/XX/XXXX ) and said there was no tracking # to be found so he requested that they send out another check via overnight, but again he said that he would have to contact cashier dept again to get the tracking # and he would call me back, but he never did. I have sent them a copy of my bank acct statement that the funds where withdrawn from my acct as proof that they requested and to this day I have received nothing but stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Waypoint Resource Group, LLC
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:
on XX/XX/18 I reported complaint # XXXX. This was reported on my credit report in error by XXXX XXXX XXXX for {$610.00}. I followed up and reported this was identity theft and I never owned this account with XXXX. This was removed from my credit report in XXXX. However now another company ( Waypoint Resource Group ) on XX/XX/2018 placed this back onto my credit report showing the same amount owing {$610.00}. This is incorrect reporting and identity theft and I need this removed immediately please, I'm in the process of buying my family a home. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I, XXXX  XXXX XXXX Post XXXX and XXXX   XXXX Veteran of the United states XXXX and California XXXX XXXX XXXX Cell No> XXXX and email address XXXX XXXX mailing address XXXX XXXX  XXXX  XXXX  Nv XXXX respectfully request if you can accept and process my latest complaint that I filed with you before concerning the XXXX XXXX XXXX   XXXX  XXXX located at XXXX  XXXX XXXX XXXX Nv XXXX Phone No XXXX. Also the Finance Company that did not investigate this vehicle before financing it called XXXX XXXX  located at XXXX XXXX   XXXX XXXX XXXX  XXXX, Ca.Zip XXXX also XXXX XXXX  XXXX XXXX, Ca. XXXX phone nos XXXX and XXXX  and last the Law office that is trying to still re coup the $, XXXX from the lemon XXXX that the XXXX police illegaly towed after it completely stopped running called XXXX XXXX XXXX  XXXX  XXXX. XXXX , XXXX Located at XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  Az XXXX  Tel no. XXXX Letter from them dated XX/XX/XXXX. Their letter to me states: Please be advised that this law firm represents XXXX  XXXX. Our  client has acquired the outstanding indebtness that was origionally owed to XXXX  XXXX. Others may have owned the outstanding indebtness before our client acquired it. The following claim related to a XXXX    XXXX XXXX  with Vehicle Identification Number XXXX  has been placed with our firm for collection The original acct is #XXXX for the ampunt of $ XXXX  which consists of $XXXX and intrest in the amount of $#XXXX Intrest is accuring on the $XXXX FromXX/XX/XXXXper annum until paid etc. My complaint is that after I was suckered into buying the XXXX after I put down XXXX of my own va XXXX money the car stopped running within 2 months and where it had stopped running on XXXX  in XXXX  nv the XXXX police gave me three minutes to get the car started and off the street or they would have it towed . well they did just that . This happened around XX/XX/XXXXor XX/XX/XXXXwhen I purchased that lemnon. Nevada don't have any lemon laws so I am stuck with this bill which has really damaged my credit score to a XXXX  on all three credit breaus . I cant even get a new car without putting down a huge down payment which I don't have and I need a new or a very descent vehicle to get me and my wife to our appointments etc. I respectfuly request that this be investigated and this negative credit information be removed from all three credit breaus in addition to swift justice being served to XXXX XXXX  XXXX XXXX  XXXX for selling me this piece of junk . XXXX XXXX file no is XXXX. Thank you for assisting me in this matter. Sincerely . 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 2020-05-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES. 
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM. 
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.

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 2019-01-07
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I make extra payments to be applied to the principle they apply it as a payment. I emailed them on XX/XX/XXXX and no one has responded. I also tried calling 3 times and Ive waited on hold as long as 20 minutes and still unable to speak with anyone. I want to make sure that extra payments Ive made in both XXXX and XXXX were applied to the principle only.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I scheduled a appointment with XXXX XXXX XXXX XXXX at Keybank XXXX XXXX XXXX. To discuss my unemployment benefits account set up thru Dept of labor. I wait out side on line when I got in side at XX/XX/XXXX no one was there. I called numerous times only to get disconnected after waiting 2 hrs on hold each time. Finally I speak to a nice guy named  XXXX, I explain that I have {$6000.00}. in my checking account and requested my account number. He did not have access to my information. I have no Account number, no Debit card, no money. And in order to get a supervisor to call me back I have to pay a fee. My Unemployment benefits have been held hostage in KeyBank since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my account has been frozen for almost 3 months now! i have sent in all the documents that the bank has required and they still continue to hold my funds. the companys department that suppose to fix my account is never available and they never return my calls or emails!! this is very unacceptable! there is a pandemic going on and i need my funds for my family.

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 2020-05-20
Company: ERC
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: OR
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:
XX/XX/2020 : I submitted a fraud alert on my credit file. 
XX/XX/2020 : Equifax sent a letter acknowledging the action, but my name was incorrect on the letter. 
XX/XX/2020 : I called Equifax to report the error. 

They did not provide me with information on who/when the name change took place. 
They require me to file a dispute and send a copy of my drivers license and SS card. I fail to understand why Equifax does not have any responsibility to verify the accuracy of a name change from a 3rd party. How/who changed it and with what authority? I have no interest in providing Equifax with any identity documentation as they have demonstrated many times that their security is inadequate. I do not wish them to have any information about me and I certainly do not trust them with identity documents.

Company response to consumer: Closed with explanation