BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received forms from Pressler and Pressler representing XXXX XXXX. They had a judgment against a few years ago, and now they have a second one against me. I had to fill out an itemized form of all of my assets, bank account and income. 

I was never told they were going to do this, because last time I had a case with the cfpb under XXXX there were several cases opened. To stop the judgment and debt. I notified them in XX/XX/XXXX that all I get for income is XXXX, XXXX a month, and medical from the government. I give XXXX every month to XXXX XXXX to pay the cell phone bill XXXX, and the tv bill XXXX the rest is used for whatever bills he needs to pay. We are not married, I changed my name in XX/XX/XXXX to have the same name as my son, and XXXX was fine with that, I have the judge signed copy. Everything like the house and cars furniture washer dryer, kitchen appliances, anything like that he owns and has paid for. I own nothing except under 300 dollars worth of things. I have XXXX in rings, XXXX in facial wash and cleansers, XXXX in shower and bath products, a necklace chain XXXX on XXXX and a couple of pendants XXXX and hair and nail products. that is it. I have XXXX for the month from my XXXX, and that's it. I cant purchace much at all. Thatls all l live on for a month. He will help if he needs to. I don't understand this because I was told by XXXX that the debt was charged off, the judgment was taken off and Pressler and Pressler no longer had the case. So I don't understand how a lifetime judgment is being put against me, I will never be able to get married, or, bye anything or have anything that is mine. I feel worthless from this and my XXXX are getting worse which is what my XXXX XXXX is. Since XX/XX/XXXX, I have been trying to find a doctor to help me, but none can so far. So I am on XXXX for the rest of my life, and can not afford to pay you anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: BHFC Financial Services INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
XXXX XXXX <XXXX> XXXX XXXX ( 4 minutes ago ) to  me I filed a chapter XXXX / the debt inquired about was included in filing. My Discharge was rec by the company on XX/XX/XXXX, however they still stated I owed payments from the course of the bankruptcy filing. I called to resolve the issue, I was told I needed to speak with the Legal department. In addition they told me to send an email to, XXXX XXXX XXXX XXXX replied by email, instructing me to have my attorney call him. I replied by email, asking for a return call. I notice that the bottom of his email, had his direct line and cell phone number. I called his direct line first received a voicemail then called is cell. He admittedly went off, yelling and screaming stating that it was invasion of privacy, he doesn't want to speak to me, he wants to only speak to my attorney. " I quote what did I tell you to do you listen '', I dont have to speak with you, I replied sir I went even know your number unless you sent it to me. You provided me with your contact information at the bottom of your email. First this company ignored the fact that this account was under bankruptcy and refuse to speak with me in regards or to mitigate a resolution in regards to my loan. Attorney refuse to speak with me on any level on a solution. The loan company was notified of the bankruptcy and had an opportunity to submit for a reaffirmation of the debt. They failed to submit the reaffirmation form to the court or my attorney. Which means that the debt was indeed included in the bankruptcy. XXXX at BHFC stated that I owed for all months which total to about XXXX dollars to reinstate my loan. I contact my attorney and the court to verify if the loan was included in the chapter XXXX. XXXX was trying to force me to make payments on a debt that was discharge. This conversation happen in XX/XX/XXXX, so if there was a payment due it would have been for the month of XX/XX/XXXX only because of the discharge date of the loan. BHFC proceed to repo my vehicle with out a resolve and demanded that I pay back months. I emailed XXXX XXXX and XXXX to contact my attorney, there has still been no resolve at this time. No one has returned my calls or email in this regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Transunion is reporting late payments on 5 student loan accounts ( XXXX  ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Transunion, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Transunion should be aware that the United States of America and the Consumer Financial Protection Bureau has sued XXXX  for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.

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 2018-05-14
Company: MRS BPO, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company requested credit inquiry without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer Shellpoint Mortgage Servicing has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX RMA application was submitted 37 days prior to the sale date of XX/XX/2020. Shellpoint Mortgage Servicing stated that no additional information was needed, and that the modification would be processed properly. However instead of processing assistance application, Shellpoint Mortgage  entered a sale date of XX/XX/2020. 

2 ) Shellpoint Mortgage Servicing confirmed that XXXX XXXX modification application was complete ; however, within 10 days began to request additional information, specially a Profit and Loss form. The Profit and Loss statement has been repeat sent ; however, Shellpoint has not postponed and canceled the scheduled sale date as they indicated. they would. Shellpoint Mortgage Servicing has not honored their statements or agreements. 


3 ) Shellpoint Mortgage Servicing improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I send an email to them Revoking any and all future authorizations to debit my bank account, according to my CFPB rights On XX/XX/2020. This morning XX/XX/2020, I see an unauthorized AUTOMATIC DEBIT WAS TAKEN FROM MY ACCOUNT in the amount of XXXX, after they had responded to my email saying they would not do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX the US Collections West client - XXXX XXXX after an onsite audit or their books entered into a Consent Order due to Trust Account Irregularities for the 3rd or 4th time in the last few years. On XX/XX/XXXX this account was sent to US Collections West by  XXXX. A collection trade line was put on my XXXX credit   report. US Collections West never sent me any initial letter informing me this matter had been placed with them and my rights to dispute the validity of the debt, nor did I ever get any phone calls from them. Even one call would have told me they had been assigned this matter.The way I discovered that XXXX had sent this matter to US Collections West was not until XXXX or XXXX of this year, XXXX, When I began to pull my credit reports because I kept getting denied for auto financing. 

When I first saw this collection record on my cbr and XXXX did I make the connection. It all became very clear when I went to the AZ Dept of Real Estate site and found the report by the auditors of XX/XX/XXXX and this was placed with US Collections West in XX/XX/XXXX. I dont recall seeing a collection record on my XXXX  or my XXXX   just XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently requested validation of a debt collections listed on my credit report under the company Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX failed to include their physical/true address ( NOT XXXX XXXX ) on the stationery/correspondence form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance whom specializes in the Collection Company general statures, they confirmed that XXXX XXXX  addresses are not an acceptable/approved address to list on any stationery or form correspondence with debtors. 

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday XX/XX/2018 at approximately XXXX XXXX  CST I called Discover Bank customer service which is serviced out of XXXX XXXX XXXX UT. I requested assistance with understanding why the overdraft protection feature had not worked for the 3rd time this year. I was confronted with incompetent, combative, and uninterested customer service ... so I requested a supervisor. The supervisor refused to help me understand this issue due to lack of account verification. This was in spite of calling from my verified phone number. After explaining this and the supervisor reasoning that the reason for having a verified phone number is for account verification, the supervisor still refused to provide service. So I requested a manager. She refused MULTIPLE REPEATED times to file a complaint on the previous 2 agents. And then my accounts were BLOCKED in MALICIOUS attempt to damage my credit and for no reason. This was CONFIRMED by another agent, who said these 3 people blocked both my checking and savings account. This MALICIOUS attempt was followed up by XXXX XXXX with Discover Bank ... BLOCKING me from contacting Discover. Further showing MALICIOUS intent to cover-up for this MISCONDUCT and further putting at risk my assets and credit in RETALIATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/2018 accountnumber : XXXX Creditor 's Name : XXXX XXXX/XXXX  XXXX XXXX Type of Industry : Women 's Apparel Address : XXXX XXXX XXXX, XXXX , OH XXXX Amount Delinquent : XXXX Payment Status : Late 30 Days Creditor 's Preferred Contact Method : Other I was affected by Hurricane Florence and out of work from XX/XX/2018-XX/XX/2018.  I contacted XXXX  XXXX XXXX  and notified them and was told that I would be placed on the financial hardship program and that my account would not be reported as delinquent. This company has threatened me and advised that there wasn't anything that they could do to resolve this matter and this is not something I am happy with seeing that I have been a customer who always paid the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Receivables Management Corporation
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 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 2020-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My annual fee of {$95.00} for the United Explorer Card is due soon. Given that the card is a travel based card, with benefits being mainly just 2 passes a year to the United Lounge, I don't see how cardholders are being asked to pay the fee during this pandemic. We are unable to travel since XXXX of this year and in the foreseeable future. Other companies have been very flexible and have waived these fees, but Chase/United not only will not provide the policy where it says they can't do this, but have been extremely brash in their dealings over the phone. I have simply requested a copy of the member terms & conditions stating they are unable to waive the fee- they have outright refused to provide this. How can they be trusted when they are not providing documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SUNCOAST CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
unlawfully garnished the accounts XXXX institution for processing illegal, out-of-state garnishment orders against its my bank account. XXXX XXXX  unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the XXXX of XXXX of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. XXXX XXXX cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
After graduated with my XXXX from XXXX XXXX College. I decided to continue my journey and go for my XXXX  right after. I was told that my private ( Sallie Mae ) loans would be put on hold for the meantime until I finished school. Once I finished up school and began to look for a job that could afford the loans and support me my loan kicked in. At the time I only owed about XXXX which was understand able for the type of education that i received in the matter of 5 years. One afternoon, after doing research and calls. I reached out to Sallie Mae to let them know that the job that I got I wasn't making enough to be able to pay the month balance. I was then told by the agent. " We offer a program where we can put your loan on pause for a certain amount of months. '' I was then told this would be good for me because I could focus on my other loans and bring them down so that I could have more room to pay the monthly with Sallie Mae/Navient. About a few months later I recieved a email, letter, phone calls stating that my payment was due on a certain date for 3x the amount that I couldnt afford the first time. I reached out to Sallie Mae and Navient and they told me that the loan was put on pause but that the interest was still building up in the back. I went from XXXX to XXXX. In a much worse situation that I was in to begin with. I got tricked into that forbearance plan. 

Please help me. I don't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient / sallie mae. I know I am not the only one. These people are thieves. I will be paying these debits off until I am XXXX years old. It has delayed me from buying a house, settling down and starting a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation