BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times. 

I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be. 

PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything. 

I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good. 

I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been hunting for a company that will improve the first time homebuyer mortgage. I have been employed for 10 months with a recruiter/temporary employment agency that has worked with XXXX XXXX XXXX XXXX 30 years. I have been offer and conditioner employment. The underwriters will not except my application because of the nature of the company that I am working through at the automobile manufacturer plant. In addition, I have had discussions with brick and mortar banks, and online lenders. Every time one of these companies checks my credit rating my score goes down. This is making it very difficult for me to get approval for a mortgage. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.

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 2020-09-08
Company: BANKERS HEALTHCARE GROUP LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a loan with Bankers Healthcare Group on XX/XX/2020. Upon further review I realized that the interest rate is 20.99 %. I did not realize that this is an illegal interest rate in the state of Florida and is considered usurous. The maximum interest rate in Florida is 18 % according to law. I contacted BHG on XX/XX/2020 by email, which I can provide, to discuss this issue. They stated the loan is serviced by XXXX XXXX  and no contract changes will be made, however, the contract I signed says XXXX XXXX. I also contacted an attorney who agrees that the interest rate is illegal and usurous in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Ditech Financial LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XX/XX/XXXX and XX/XX/XXXX. I tried fixing the problem but DiTech Financial is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact Di Tech financial to have my credit reports updated and corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: General Motors Financial Company, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a covid-19 deferral through GM Financial of XXXX XXXX Texas. They stated that my XX/XX/XXXX and XX/XX/XXXX payment would be deferred and my next payment would be due onXX/XX/XXXX. They immediately reported me as late. I disputed this information through XXXX and they corrected it around the first of XX/XX/XXXX and immediately reported me as late for XX/XX/XXXX. I disputed again and they updated XX/XX/XXXX and reported me late for XX/XX/XXXX even though my XX/XX/XXXX payment isn't due yet. 

The representative on the phone stated that they had messed up and she would transfer me to a supervisor to get this corrected and the supervisor tried to transfer me again instead of addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is my second complaint against Macy 's refer below Consumer Financial Protection Bureau Case # XXXX I received the reply and called the number asking to talk to the person who wrote to me. 

I called the number and multiple times, a nice sounding gentleman assured me he would make sure she called me back. And that they take these matters seriously! 

In the reply from Macy 's I was told that I would have seen the following information when this happened as follows ; - " I apologize if it was not made clear that you were indeed opening a new Macys XXXX XXXX credit card account. Our research shows the account ending in XXXX was opened on XX/XX/2020. In order to apply for a Macys credit card account, you have to give a form of identification ( generally a drivers license ) to the sales associate. The associate would have used the identification to enter your name and address into the application. You would then be presented with a screen that reads, You will be considered for both the Macys XXXX XXXX Card and the Macys Credit Card. If approved for both, you will be able to select which card you would like. You would have been prompted to enter your date of birth, Social Security number, telephone number, and income and housing expense information on the signature pad. You were then presented with all the entered information and asked to validate that it was correct. Finally, you would have been presented with a screen asking for your signature. Above the signature line, it reads, Thank you for applying. '' As I wrote the first time, the associate tricked me into giving him my details saying my Macy 's card was expired. A total lie, and as I was keeping my distance due to Covid he told me he would press the keypad to key in my social security number. I never saw any messages regarding a Macy 's XXXX XXXX Card, the associate intentionally avoided using that wording so I would believe all I was doing was re-activating my Macy 's card. 

I feel violated by the whole experience, and while there were nice words on how sorry they were, Macy 's did nothing and did not follow up on their promise to cancel my card and remove the credit check so my credit was affected by this as well. I called 6 times two times spoke to a gentleman who assured me I would get a call back, and the other times left voicemail messages. 

Regards, 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 2020-08-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They have closed my account without notice! When I called them they said it was due my credit report and not making payments however I am currently on COVID relief programs with all my cards.

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 2018-03-07
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Investigation took more than 30 days

Complaint:
Equifax is not complying with their own policies in a timely manner. Please see my attached dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Remex, Inc.
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:
XX/XX/2018. 
XXXX XXXX XXXX XXXX ( Remex ) XXXX XXXX XXXX XXXX, NJ XXXX Telephone : ( XXXX ) XXXX Received numerus calls from this agency. Also just received a letter for collections for a medical doctor they represent. XXXX XXXX XXXX XXXX. Remex stated in the letter that I owed money for an outstanding bill. In their letter it states that they would like to resolve this matter prior to reporting derogatory information to the credit bureau. Called Remex about the claim as the balance doesn't correspond to any of the bill 's that I have received from the doctor. Remex proceed to tell me the inflated bill was because I had to pay a collections fee. I proceeded to ask for an itemized bill to show the amount owed and was told by Remex that I needed to supply them with my social security number and Medicare number for them in order to obtain an itemized bill. Didn't give them any private information and proceeded to call XXXX XXXX XXXX XXXX about an outstanding bill that was over a year ago. I was informed by their billing department that I owed no outstanding bill and nothing has been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion LLC is not complying with their own policies in a timely manner. Please see my attached dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: United We Collect, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The start of the debt was when I was a minor, my parents were responsible for me at the time not myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 identified credit inquiries which should not exist on my credit report, because 1. ) I did not authorize them ; or 2. ) they were executed fraudulently. I have contacted TransUnion on numerous occasions to investigate and then remove. To date, such actions have not happened.

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 2018-03-07
Company: Harpeth Financial Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied in XX/XX/XXXXafter receiving a mailer from the company. I was trying not to withdraw much, just enough to ease me between a long stretch. I am paid early inXX/XX/XXXX. and not again until XX/XX/XXXX. I guess I over-did it a bit during XX/XX/XXXX, but I was expecting help from my ex-husband who had promised. When I asked in XX/XX/XXXX., he said he could not help, so I ended up taking out the max. I have now paid them both my federal and my state refunds and still owe more than I borrowed. Every month I am charged $ 500-600 in interest and the principle keeps going up. I have paid in all the extra I am going to have this year, so I fear the principle and the interest climbing so high so fast. If they could just give me an installment loan to pay this off with, nomatter how high the interest, so that I could afford it and eventually it would be paid, instead of it just sitting there growing in spite of my paying all I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Southwest Credit Systems, L.P.
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 never received notification of the debt. After receiving circular ads and law firm advertisements I followed up and was made aware of suit. Yet, I responded to see who was Midland/ XXXX XXXX XXXX in dispute of the allegations. I'm scheduled for mediation. I have received what's described to be a validation. These documents have affidavits of individuals that I'm uncertain are real and that they are authentic. Since this company has been sued I'm asking for assistance that you would investigate XXXX XXXX XXXX and or XXXX XXXX XXXX in view of these cases. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.

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 2018-07-04
Company: Merchants Acceptance Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. 

I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. 
They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation