BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-17
Company: Ballybunion Enterprises, Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
KOHLS/CAPITAL ONE is refusing to remove old account from my credit report. This is an old debt and has reached its statue of limitations. Account was reported by Kohl 's in XXXX 2008. Kohls state that my account is no longer with them. They sent it through a XXXX party XXXX. I contacted XXXX and they say this debt is too old and they have sent it back to Kohl 's. Kohl 's denies that they have this account and refuses to inform XXXX that this account is outdated ( over 7 years ) and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto loan company took out a double payment from my checking account, and was authorized for XXXX payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Union Adjustment Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Made several attempt to validate debt and so responses have ever been made. I have tracking and letters of disputes to Creditor and Credit Bureaus. Looking to resolve the negative impact it has on my Credit Report. But no response. Efforts gone unanswered since XXXX/XXXX/2016. Should not be this difficult to get a copy of my alleged debt. Its being reported on my credit report as bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: VA
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:
NAVIENT is attempting to collect a debt of {$8600.00} for " Personal Loans ''. This debt is from identity theft and is not mine. The debt entries should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't owe {$710.00} to XXXX XXXX XXXX. I have never owed them this amount of money. I have always had insurance and it covered everything. So, I disputed this on my credit report. It came back that they agreed that it was paid by the insurance, but that they weren't going to remove it from my credit report. What? How is that legal? I want this removed.

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 2016-07-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.

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 2016-07-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.

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 2022-08-25
Company: EQUIFAX, INC.
State: MI
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, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.

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 2016-10-03
Company: United Student Aid (USA) Funds
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
case : XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX USA Funds , first step : mailed out verification letter to XXXX XXXX XXXX XXXX XXXX, XXXX, in which communication was only thru mail.At the same time I received in mail correspondence from USA Funds stating need more proof and a police report. I had XXXX XXXX XXXX only come to court for a pending lawsuit XXXX/XXXX/XXXX, and proof of actual account due to fact they had called me on phone in XXXX and did n't provide proof of signature and actual agreement in mail within 30 days.Case was seen by a judge and lawsuit was agreed to be dropped by me based on them stating they will not report accounts due to not having agreement with me showing a valid signature plus being a collection agency with no agreement by me and their office on XXXX XXXX. The DEFENDANTS ATTORNEY showed me documents with an itemized loan from USA FUNDS XXXX/XXXX/XXXX with XXXX accounts.As of now on my credit report it shows XXXX accounts USA FUNDS opened on XXXX/XXXX/XXXX. I am not in college or have attended.

Company response to consumer: Closed
Consumer complaint received 2015-08-25
Company: Credit Solutions, LLC (KY)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: CA
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 recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.

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 2015-05-06
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. 
I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. 
We need answers. Can someone please review our initial mortgage?

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 2017-02-09
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. 

The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. 

I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. 

I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. 

I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. 

There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. 

XXXX XXXX XXXX P : XXXX F : 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 2017-03-15
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have never been so humiliated and disgusted with any housing business as I am with Fairway Independent Mortgage Corporation at this moment. The XXXX TX branch have one of the nastiest and hateful persons working on loans right now and it makes no sense. I closed my loan with Fairway in XX/XX/2016 and they sold it to a bank, fine no big deal. My monthly payment did not change. Last week I receive notice from the bank that my escrow was short almost {$900.00}, so I call the bank and they tell me that some taxes were not inclusive in the escrow. I call this lady XXXX at Fairway to get some assistance with this because I am confused. I have owned XXXX homes and never has an escrow account be so out of balance and it did not make sense. She was nasty from the start, not trying to hear what I had to say. I asked her to call the bank because they had two separate stories ands told me that was above her job description and she was not going to call the bank. At this point I am telling her how unprofessional she is acting and just forward me documentation of what she was saying. She hung up on me. Then I emailed the guy who actually did my loan and I cc 'd her explaining everything to him. She responds, thinking she is sending the email to him, but accidentally sent it to me calling me " XXXX '' I respond telling her she sent that to me and calling me out of my name was not only unprofessional, but not to be tolerated. She never even apologized for getting caught doing something this unprofessional. She then later emails me in response telling me " if I had any kind of decency, I would not have emailed her manager since he was just out of XXXX. '' I had no idea he was in XXXX as he emailed me this weekend in response to my question regarding this. XXXX is the most unprofessional, rudest, insensitive person I have met at this company and shame on you # Fairwayindependentmortgagecorporation for allowing a person with such a nasty attitude to have access to clients. Is this what you think of your business practices? With this being sad, anyone who chooses to use this company, asking for XXXX is a HUGE risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-11
Company: Paypal Holdings, Inc
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In early XXXX 2016, I sold a XXXX XXXX handbag through eBay to XXXX XXXX. The handbag was listed with photos and a description from XXXX XXXX and was final sale. XXXX XXXX requested a refund through eBay on XXXX/XXXX/16 -- a full 17-days after the bag was delivered -- stating that it was defective and " missing pieces '' because it did not have a magnetic clasp. The photos in the listing show that the bag has a zippered clasp, not magnetic ; as such, I explained that the item is not defective. I requested for eBay to intervene -- they have a 30-day money back guarantee for buyers if an item is not as described -- and they closed the case in my favor. 
On XXXX/XXXX/16, PayPal contacted me stating that XXXX XXXX had opened another claim, again alleging that the item was " damaged or defective '' and/or " not as described. '' For a second time, I uploaded the information supplied to eBay to PayPal. On XXXX/XXXX/16, PayPal closed the case, ruling that I did not follow their seller policy for protection. XXXX XXXX has retained the handbag and I was assessed the original purchase price of {$390.00} plus a fee for the dispute of approximately {$30.00}.

Company response to consumer: Closed with monetary relief