BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX/XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have insurance with XXXX. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours. 
I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had previously been a student at XXXX XXXX whom lied to students promising them so many opportunities in real light they lied in order to make a profit. They were sued by the federal government based on overcharges on federal student loans. They committed fraud against students but yet because of their actions and the fact I believed them I am forced to pay back these loans. I am demanding that my loans be forgiven! I am angry and refuse to pay for these loans based on this fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-02-18
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I woke to find a Summons ( XXXX ) lying on a bench on my front porch, not in an envelope, with all of the information exposed to the public. 

I immediately sent an email notifying the attorney firm, Gurstel Law Firm, PC that the XXXX 's debt was included in my husband 's bankruptcy ( XXXX ) which was discharged XX/XX/XXXX. The request was made to have Gurstel Law Firm file a Motion to Dismiss within the email. 

On XX/XX/XXXX, I received correspondence asking " to work towards an amicable resolution ''. After XXXX attempts to contact the law firm on XX/XX/XXXX, I finally was able to speak to XXXX in Collections whom notified me that the file ( XXXX ) was with an attorney being reviewed since XX/XX/XXXX. 

XXXX ( who is based in Washington ) asked that I call back in a " few '' days to find the status. My desire was to not have to spend funds that were needed to file an answer and Motion to Dismiss. As this is not a " legal '' lawsuit for collection. 

In the past well before this summons was issued, the debt collectors and XXXX 's were notified of the bankruptcy and request to cease collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had previously sent fraud affidavits to TransUnion to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX - FRAUD XXXX XXXX LOANS with balance of XXXX - FRAUD XXXX XXXX XXXX with balance of XXXX - FRAUD I have sent 2 previous letters to TransUnion, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2017-11-12
Company: ALLY FINANCIAL INC.
State: KS
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:
I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.

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 2017-11-12
Company: EQUIFAX, INC.
State: IL
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:
Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Wells Fargo and some of the other inquires kept running my reports

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an inquiry from XXXX/XXXX  XXXX XXXX that appeared on my TransUnion credit report on XX/XX/2020 which I did not authorize. I have reached out to both TransUnion ( TransUnion said they do not dispute inquiries and that I would have to call XXXX/XXXX  XXXX XXXX ). When I contacted XXXX/XXXX  XXXX   XXXX  the company had no record of an inquiry placed by them for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: AMCOL Systems, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received bills from XXXX XXXX XXXX XXXX XXXX Hospital ( original creditor ) for medical services I  received in 2019. I spoke with the billing department several times and this issue was resolved ... my medical insurance paid this bill. I checked my credit report and learned that there's an open collection from AMCOL SYSTEMS INC ( new creditor ) for this same medical bill. AMCOL SYSTEMS INC never contacted me about an outstanding balance, but posted this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had  been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Date - XX/XX/XXXX Email- XXXX Amount - {$250.00} Ticket - XXXX Department - account specialist Venmo is telling me it will take 3-5 days, I cant wait this long I am a student, kindly take action against them to resolve it faster

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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:
XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the axle hed company with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX   XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received a very poor credit score XXXX due to Bayview Financial my new mortgage company and the reason my score is so low and late payments, I have never been late on a payment ever. However, I applied for a loss mitigation with my previous loan company XXXX and it was approved for 6 months at {$100.00} per month and then back to regular payments starting in XXXX. Then my loan was sold to Bayview Financial and they are not recognizing my loss mitigation and stating my mortgage has been late all this time. LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary Portfolio Services purchased a debt that was already in constant dispute from XXXX XXXX due to the owner on the account using my info as cosigner. The balance reported from XXXX XXXX was over 12,000 dollars. I knew I never owed this balance, I have asked XXXX XXXX for verification of this debt multiple times. I have never recieved verification it was then sold to Calvary Portofolio who then placed the balance as XXXX. I disputed online and asked multiple times in XXXX XXXX, XXXX XXXX ( BOTH online and letter ) Mid XXXX, I recieved a letter telling me they could not verify what I was asking for and they need more details so I sent another letter requesting debt validation. In my letter ( s ) and disputes I asked for supporting documentation that verifies this debt including the signed contract that includes my name and info. However, it is XXXX I have still not recieved and validation although they have reported validated to the credit bureaus but it because the remarks that were on the account and the ACTUAL validation has yet to occur from any party. I HAVE BEEN DEALING WITH THIS SINCE XXXX XXXX altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Acceptance Rentals, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan for furniture with Acceptance Rental in XXXX XXXX. Each month around the XXXX of each month, an automatic withdrawal was made on my account. In XX/XX/XXXX, I reached out to the company requesting a notice of completion and never hear back. In XXXX XXXX, I was contacted by them implying that I had a final payment due, which I disputed. 
I advised them that I was disputing any additional payments due and would research on my end. Also, I advised them, that it seemed odd that they would suggest that I owed them monies, when they were withdrawing out of my account each month with no issues. They were reminded that they did not under any circumstances have any authorization to make any additional withdrawals from my account six months later. 
This morning XX/XX/XXXX, I was checking my account and noticed an automatic withdrawal pending from my account from Acceptance Rental, which I did not authorize and have had absolutely no contact regarding anything. 
This company took it upon themselves to take money from my account with any notification, acknowledgement or agreement from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been asking for a loan modification for years. In particular, we have asked for a lower interest rate ( ours is 6.5 % ), an extension of terms, have provided info regarding why we were struggling. The answer by our loan servicer has always been a repayment plan making the monthly payment even larger. Last offer, that we accepted, was a balloon payment which only brought our account current. Monthly loan payment still exorbitantly high. 

Our servicer, Select Portfolio Servicing, is not customer oriented and really has not offered us any significant relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Telsa Motors 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 is missing that should be on the report

Complaint:
I'm leasing with Tesla Finance, per my XXXX report it is correctly stated I do so but per my XXXX it is missing that information. Please fix that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Specialized Loan Servicing Holdings LLC
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 status incorrect

Complaint:
SLS admitted 1n 2 separate correspondences that my payments are current ( XX/XX/XXXX and XX/XX/XXXX). The process to get them to admit their error has taken one year. On XX/XX/XXXX I  received my credit report and a delinquent status was noted for SLS, which is not true given the documentation received by SLS and the Colorado Attorney General. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and CO Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). On XXXX/XXXX/XXXX I uploaded statements from SLS to XXXX disputing the delinquency. XXXX  stated they could not change the information without confirmation. 

I am demanding, because one year of errors is too much and should be reported to Regulators, that SLS update my credit report ( s ) to match the information provided in their letters on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: AL
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account DPT EDXXXX Account Number : XXXX 2. Validate Account XXXX XXXX Account Number : XXXX 3. You are in violation of 15 USC 1692g medical bill or personal information should not be on my report Account Number : XXXX 4. Identity Theft XXXX  XXXX  Account Number : XXXX 5. Validate Account DPT ED/XXXX Account Number : XXXX 6. Validate Account XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX  payed off and transfered to XXXX XXXX westlake still reporting a open account

Company response to consumer: Closed with explanation