BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow up to my first complaint that is taking forever to be resolved. Someone named XXXX ( ext. XXXX ) Chase 's Executive Office has the audacity to leave me a message to call her back in the evening. I left her two voicemails and she has NOT called me back!!!!! I have been calling her since XXXX my time and she has not gotten back to me. She keeps on telling the rep she 's on a phone call and she will be calling me back in the afternoon. It 's getting late on side of the U.S. and she now tells me that she does n't have time to talk to me! Chase is so unprofessional that I do n't have the words to describe the pain and stress they have caused me for the last two weeks! How can someone be on a phone call for the last 5 hours!!! They are not willing to help me and I can see that already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Maximus Education, LLC dba Aidvantage
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:
Re : XXXXerification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the XXXX XXXX XXXX XXXX XXXX requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Service Finance Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Service Finance are liars and are charging me interest on my HVAC loan and I am not 30 days past due. On XX/XX/XXXX they charged me {$57.00} in interest. On XX/XX/XXXX they charged me {$93.00}. I believe on or about XX/XX/2019 they payment system fraudulently took {$320.00} from my bank account and I only authorized {$160.00}. I filed a fraud complaint with my bank. My bank got my money back. Also Service Finance returned the {$320.00}. I filed the fraud complaint to document their fraud actions. Service Finance was only to return the difference {$160.00} because I was trying to earnestly make my payment. Now they are retaliating against me by charging me unlawful interest! This is an Interest free loan! Also they reported me to the credit bureau that I was late and also classified the loan as Real Estate! This is also another fraudulently activity they have performed against me! I hate these people! They are snake liars!

I want the interest removed from my account it is fraudulent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.

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 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX repeatedly calls me for a debt that has not been verified, and is nearing the statue of limitations. They also call repeatedly and excessively, after I have reported them and asked them to no longer call. My debt has been one that they should n't be collecting on at this time as it was included in the lawsuit that required them to stop collecting on illegitimate debts a few years back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: BARCLAYS BANK DELAWARE
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of Federal Law. BARCLAYS BANK DELAWARE failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( BARCLAYSBK 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 2018-01-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAVALRY INVESTMENTS, LLC
State: MA
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 got a summons from Calvary SPV, LLC trying to sue me for a debt that is not theirs, I never had business with them, and I am not sure on where they found my info. The last time i got a piece of mail from them I had requested proof from them to show me that they were legally the new owner of the debt as required by CFPB, but no paperwork was never sent. I had a card with XXXX that defaulted when I lost my job back in XXXX and somehow Calvary Portfolio is suing for that debt that is being reported as charged-off on my credit report. I contacted XXXX and was told that the account is charged-off and was counted as a lost on their part. Please advise on what to do. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Rent Recovery Solutions
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: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
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:
Because of COVID and a health issue, I am unable to pay the balance on my ATT-Universal Credit Card issued by Citigroup. On XX/XX/XXXX I wrote Chairman XXXX XXXX, CEO XXXX XXXX, and President XXXX XXXX and sent the letters by XXXX with a signature receipt, which I received back. In the letters I explained my situation asking for a lower interest rate on my card or a personal loan in order to pay my debt. I waited for several weeks but never heard back. In XXXX I made several attempts to contact a person with authority to help me but was given the " runaround '' and was unable to do so. Finally, on XX/XX/XXXX or XXXX, I spoke with a representative who told me that I had put a " cease and desist '' request on my account which was why no one replied to me. I told her that I had not done so. On XX/XX/XXXX I received a form letter, unsigned, regarding the 'cease and desist '' order informing me because I had done that they could not offer me a lower interest rate or payment accommodations. I called the number in the letter and spoke with a " XXXX '' in Arizona who informed me that to remove the order that I had to agree over the phone to several onerous provisions which I declined in order to protect my position. I believe that this whole process of preventing me frm resolving my issues is unlawful and reminescent of the XXXX XXXX criminal activity a few years ago. I am a veteran and XXXX years of age.

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 2018-01-23
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, INC.
State: VA
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 have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-01-23
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The item in question was a medical debt that was processed by the debt collection company 's client. Insurance for this medical claim was covered via XXXX and is being corrected by the hospital, but Collection Consultants is refusing to follow California law which states as follows : Welfare and Institution Code, Section 14019.4 ( e ) If a patient provides proof of XXXX eligibility to a debt collector, and the debt collector fails to notify the provider of this proof, the provider shall not be responsible for ensuring that collection efforts against the patient cease pursuant to subdivision ( d ) until either the patient or the debt collector provides the provider with proof of the patient 's XXXX  eligibility. 
( f ) A XXXXXXXX provider or debt collector shall be deemed to be in violation of subdivision ( a ) of Section 1785.25 of the Civil Code if more than 30 days after receiving proof of XXXXXXXX coverage the provider or debt collector does either of the following : ( 1 ) Furnishes information regarding the rendering of the XXXX covered services to a consumer credit reporting agency.

( 2 ) Fails to provide corrections of, or instructions to delete, as appropriate, information regarding XXXX covered services previously furnished by that XXXX provider or debt collector to a consumer reporting agency. 

Also, Collection Consultants has been supplied with a copy of all communications with the hospital, showing XXXX coverage was in effect for this claim. Per our call to Collection Consultants on  X/XX/18, they refused to remove the item despite being supplied with the documentation. 

This item needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter to remove these personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal informations not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : 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 2021-09-01
Company: Lowther Johnson Attorneys at Law, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was personally victimized by Attorney XXXX XXXX XXXX XXXX, belittling tactics with regards to a XXXX XXXX dues debt collection. 

XXXX XXXX Law Firm, Lowther Johnson, in XXXX, MO represents my XXXX. I called XXXX XXXX firm to request a reduction in interest fees because the bills and communications were being sent to my ex-husbands address. They were not being provided to me. 

During a six minute phone conversation, it was clear he was unwilling to compromise and he began issuing insults about my ability to process information. 

The XXXX debt was paid in full on XXXX ( received a receipt from the firm ). XXXX XXXX refused to deposit the check for weeks. 

Instead of dismissing charges for the debt payment made in full. In retaliation for the the conversation, he added charges for IT support of {$300.00} to block me from his server after sending three emails in response to his three emails ( if they are charging me fees how am I supposed to communicate with them about XXXX fees ) and charges for his legal services ( although the XXXX pays for his services ). 

XXXX XXXX utilized sexist and abusive tactics towards me and other women in the community. Using statements like tell your Wife to shut up and listen here little missy, I dont care what you think you know.

Company response to consumer: Untimely response