BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2016-06-27
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I heard from XXXX at " Credit Management Control '' this morning about a " XXXX XXXX '' account. She stated that there was NOTHING she could do to assist the problem ; she ca n't even provide a contract with my signature on it. 
I proceeded to call " XXXX XXXX '' directly and spoke with a Customer Service Rep. named XXXX. She stated that she also could not help me because there is no signature on a contract. She stated that someone called in and set up service over the phone. I reminded her that she had just informed me that ALL calls are recorded. I demanded a copy of the recorded phone call were someone called in and said they were me. She said she could not provide this. How is it " XXXX '' wants me to prove that I did n't make the call but " XXXX '' WO N'T prove that I did? I am filing a police report for identity theft TODAY, Monday, XXXX XXXX, 2016. XXXX said she would follow up with a call to me on Wednesday, XXXX XXXX, 2016. If I do not hear from her by XXXX, I am turning this whole matter over to an attorney and filing for damages and time lost from work. This has gone on for far too long and it is a complete violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-30
Company: Municipal Collections Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Outrageous threatening vulgar calls, repeated from Cavalry regarding a debt that was purchased from XXXX. They called me on my cell, and at all hours, some times as late a XXXX. When asked to stop calling me they just continued. During a severe illness I gave them banking information to take payments before I realized what I had done and was able to research this account balance, found I did n't owe it and told them to cease taking money from my checking. But they continued to take my money after I told them to stop, that I did n't owe this debt. I sent notification in writing telling them to stop calling and stop debiting my checking account but they continued. After reconciliation I found they claimed I owed was paid off and I have proof of payment. I ended up having to close my checking account to stop them from fraudulently stealing my money. We are going to court and I hope the Judge at the very least dismisses this case and gives me a refund. They changed their name several times as well from Cavalry Collections to Cavalry SPV LLC to Cavalry SPC I LLC. The methods are less than circumspect they are vulgar, threatening and harassing and need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Bleier & Cox APC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CNG FINANCIAL CORPORATION
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call form a third party called XXXX, collections company for Check-N-Go, without reading the federal disclosure the collector advised that an unpaid debt was transferred to their company to be handled within 24 hours. Once I advised the disclosure was not recited and he was aware that I had extensive knowledge regarding FDCPA and collection activities, he was unwilling to listen and stated if I did not give him my debit card number within 24 hours that I was unwilling to pay this debt. I had advised the representative that was not at all what I was doing and in fact I want to pay the debt, however I will not give my debit card without more information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ONLINE Information Services, Inc.
State: NC
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:
This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: 360 MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: LENDER LIVE
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: TX
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:
I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX  XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT XXXX  BURUEAU TO DELETE ASAP.

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 2016-04-18
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I previously have had an account with PNC Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud they never once advised me it was closed for fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. They told me that the account was closed for a charged off balance. I am not disputing that I owe the bank but them saying its fraud when they did not once notify me of this and they are unwilling to correct this is an issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Dynamic Recovery Solutions, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a phone call that was from this company telling me to call them. They used a type of technology to spoof a number so as to make the call appear to come from someone else. The caller ID said XXXX XXXX, The message told me to call a company named Dynamic Recovery Solutions. I do not return phone calls like this and all communication must be done in writing via USPS. Not making a written claim is a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received several " robo calls '' from a company calling itself Dynamic Recovery Solutions, a debt collection agency. The calls come from various numbers. In his vague recorded messages, the caller asks me to call him about " important matters. '' I have not called him back, as I have no outstanding debt and it seems clear this is a scam. I do n't want to provide any more personal information than they already appear to have. The XXXX of complaints about Dynamic Recovery Solutions on the Internet also indicate that this is a scam. They have called me several times, and it appears harassment is their business. Can you please make these XXXX stop bothering people? Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: Firstsource Business Process Services, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no affiliation with the number that is being contacted and I want them to stop using this number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.

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 2016-04-21
Company: U.S. BANCORP
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in 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