BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: ROCKY POINT CAPITAL LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12
Company: Select Financial Services, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My parents had refinance there house in XX/XX/2006and had accidental death insurance included in there mortgage payment. It was listed as optional product. My parents called XXXX XXXX XXXX numerous time asking what did that mean and they would tell us that it was the accidental death insurance. If the last survivor was to die it would pay off the house. After requesting the policy for years they finally sent my lawyer the policy which do not amount to paying off any house. And the policy states at the age of XXXX  years old the policy went from XXXX to XXXX which is even worst due to my dad died at the age of XXXXyr. How can this be while still paying for your mortgage. My parents were scammed. Please help

Company response to consumer: Untimely response
Consumer complaint received 2016-09-30
Company: Credit Management Control, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Management Control, XXXX XXXX XXXX, XXXX, WI XXXX attempted to collect a charge for a missed medical appointment that I proved to the collection agency that I called the doctor 's office 2 days prior to the appointment to cancel. The clerk at the doctor 's office clearly did not cancel the appointment on their calendar. Credit Management Control communicated with me and stated that they would no longer attempt to collect the debt. However, they continue to refuse to remove the collection account from my credit report. I filed a dispute with the credit bureau but Credit Management Control now claims that they verified the debt. I am requesting that this collection account be removed from all XXXX credit reporting agencies because this is a fraudulent collection account as I do not owe the funds. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-07
Company: Jemcap LLC
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, XXXX, I purchased a XXXX family dwelling Only. All the payments for the mortgage were paid on time until when I applied for a Loan Modification on XXXX XXXX I was denied and by inquiring about the reason of the denial I was informed that the loan was fraudulent. Two weeks after I received the denial letter I was also informed that the original Lender sold the Note to another company and since then it has been flipping from investors to investors so far I count of XXXX different investors. The last investor Jemcap LLC compelled me to pay more than {$100000.00} XXXX XXXX XXXX Dollars from me in Lump sum payment in his Bank account and sold the Note again to an other investor XXXX XXXX XXXX located in XXXX XXXX, XXXX NY who is now seek a Judgment of Foreclosure and Sale. According to the Department of Building, it is a XXXX Family Dwelling Only and it is Owner Occupied. Please investigate the matter and it is in the Supreme Court of New York.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from FEDERL ADJUSTMENT BUREAU. I DO NOT RECOGNIZE this account. I have never done business with FEDERL ADJUSTMENT BUREAU. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FEDERL ADJUSTMENT BUREAU Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all contractual agreements between myself and Federal Adjustment Bureau. 
3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FEDERL ADJUSTMENT BUREAU Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This collection agency claims that they sent me a letter. I have never received anything. Secondly they are calling my main work phone number after being told that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due. 
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MD
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 am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-18
Company: EQUIFAX, INC.
State: MD
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 am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

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 2018-06-13
Company: General Motors Financial Company, Inc.
State: GA
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:
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Medical Data Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was pregnant in XXXX and delivered in XXXX of XXXX. Since then I have been trying to get corrected billing information. Initially the bills in question were from XXXX of XXXX as I was being told my services were out of network. Long short short, after many phone calls and many many hours on the phone I spoke with XXXX XXXX as XXXX ( my medical provider ) and she let me know that XXXX had somehow let the agreement between them and XXXX XXXX XXXX lapse. She advised that they had fixed it and it would be retro active. Those bills were fixed. Within the last year I am now getting phone calls from Medical Revenue Services stating I owe {$1700.00} from XXXX XXXX XXXX XXXX rendered on XX/XX/XXXX. I was covered with XXXX at that time so this should not be the balance. I have been waiting for this bill to be fixed and a corrected bill to be sent to me for two and a half years now. I believe there is a limitation on how long I should have to wait to receive a corrected bill. This service should have been covered. I have attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company can not validate or verify that this debt is owed by me. I have no knowledge of this account. Address marker used with account isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted about debt from debt collector and was placed on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Creditors' Service Bureau of Niles, Inc
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2017, I was contacted by phone by a collection agency seeking payment of a debt owed to A XXXX for counseling services. The agency would not identify themselves by name - only the fact that were attempting to collect a debt on behalf of A XXXX XXXX. The caller stated that I owed {$140.00} and requested immediate payment by phone. On XX/XX/2017, I was contacted by phone yet again by a representative of a collection agency who failed to state the name of the agency but were asking for immediate payment of {$140.00} on behalf of XXXX XXXX XXXX. XXXX of all, the amount owed to A XXXX is {$75.00}, not {$140.00} and I stated that I disputed the amount of payment that was being requested. A Beautiful Mind did not give me any written notice, such as a 10 day letter, advising that the debt was going to be turned over to a collection agency. The collection agency can not collect an amount greater than what is actually owed. Despite the fact that I was first contacted by phone on XX/XX/2017, the collection agency failed to " within XXXX days after contacting a debtor '' provide any written notice or the opportunity to dispute the debt. In fact, the collection agency would not even give their agency name - only the information that they were attempting to collect {$140.00} for A XXXX. The only way the collection was tracked was by the phone number that appeared on my phone. Not only is the collection agency being deceptive, but on their second contact of XX/XX/2017, they once again failed to send written notice of the debt within the required 5 days. The original creditor and the collection agency are both in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
About six weeks ago, opened new American Express XXXX XXXX card account, XXXX. Promotion was XXXX XXXX points after {$3000.00} spending in first 90 days. Checked -- ca n't recall if phone call or message -- to make sure I was eligible for the bonus. Was told that I was. Met the spending threshhold. Asked today when points would post, was told that I was not eligible, contrary to what I was told earlier. Unfortunately, I did not save any record of the conversation because I was traveling at the time. I would think American Express has a record. Nonetheless, they are refusing to honor the promotion. They got the benefit of my spending and now are refusing to provide the promised promo. Wish I had their answer to my question about eligibility in writing but unfortunately, I do not, and I realize that may let them get away with this scam. But thought I would file formal complaint anyway, since it 's likely others are caught in same deception. Very disappointing for a company like American Express, which I used to hold in high regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}. 

I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again. 

In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless. 

Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me. 

Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated. 

Sincerely,

Company response to consumer: Closed with explanation