BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Grant & Weber
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my medical bill to XXXX XXXX XXXX on XX/XX/2022 for {$200.00}. I received no mail communication nor voicemails from the Collection company, Grant & Weber INC, and they reported a collection to my credit for an original balance of {$200.00} from XXXX XXXX XXXX which was already paid.

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 2016-07-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a phone for my XXXX elderly mother. The price was {$200.00}. XXXX charged me {$290.00} plus tax. They owed me over {$90.00}. I filed a complaint with my credit card company and XXXX agreed to give me back only HALF the amount. This is illegal In addition, the phone was LOCKED. I spent 4 hours trying to activate it. I finally had to go to the store. They spent another 2 hours trying to activate it. They finally had to give me a replacement. They also gave me a gift card to partially compensate me for the extra 6 hours I had to spend due to their error. To my horror, they overcharged me {$96.00} in addition to sending my XXXX mother a phone that did not work. ( I had to also go to another state to deal with all this as my mother can not drive ) See attached. XXXX says the price of the phone is {$200.00} ( on sale, usually {$290.00} ). Instead of billing my credit card {$200.00}, I was charged {$330.00} ( see credit card statement ). I should have been charged {$240.00} I spoke to XXXX a Senior XXXX at CITI in kentucky. He refused to go back to XXXX for me to get my money even tho I provided the documentation that I was overcharged {$96.00}

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 monetary relief
Consumer complaint received 2016-11-09
Company: Southwest Credit Systems, L.P.
State: VT
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 returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/21 and XX/XX/21 resubmitted documents concerning loss mitigation and unemployment award benefits. I XXXX XXXX use the email that was provided to me by Freedom 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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-03-26
Company: Experian Information Solutions Inc.
State: FL
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 got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account 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 2020-03-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency has been harassing me for a couple of years to the point of psychological abuse. A couple of years ago the started calling about a XXXX XXXX XXXX XXXX account, which my wife opened up in my name. At the time I was unemployed and not even a XXXX  XXXX, but because she was filling for me she decided to take advantage of the situation and did whatever she felt she could get away with. However to cut along story short a couple of collection agencies contacted me about the debt over the years, which I believed was accrued around XX/XX/XXXX/XX/XX/XXXX, I can't recall. I always addressed the situation and they all let me. Around XX/XX/XXXX, I had prolonged interaction/communication with the aforementioned collection agency, for which I have evidence in which this same matter was addressed. I believe I initiated an identity theft action but when they asked if I wished to get the police involved, i decided against it, but the matter was left I guess unresolved, however, this account was further disputed on my credit report around XX/XX/XXXX, it was actually removed from my credit report. However today I got a new credit alert a new file was added to my credit report claiming unpaid debt, and my credit score tanked. When I contacted Afni Inc earlier today they asserted that this account has just come into their hands in XXXX and that they have have never had any past interaction/correspondence with regard to this report hence i have to file an identity theft report, in short start the whole process all over again. I have filed a dispute on this account with XXXX, and Afni asserted that they would temporarily remove the derogatory remark on my credit report, while the matter was under investigation, again. Let me be explicit the Supervisor/Representative who I communicated with at Afni Inc and who initiated the identity theft report was adamant that this account only came to Afni Inc in XX/XX/XXXX and they have absolutely no record any correspondence with me in the matter. That is absolutely false and misleading. My impression is that they are either being vindictive and/or trying to get the account reset so as to pursue the debt ( {$140.00} ). I have NEVER attempted to hide from this situation and have addressed the matter at length over the years and I know the statue of limitations on this debt has expired after. This company NEVER made any attempt to contact me via phone or mail in their latest effort and it definitely false that they just got this account in XX/XX/XXXX as I have extensive proof that Afni Inc and I were in extensive contact in mid XXXX regarding this debt. i wish they they leave me alone I DO NOT OWE THEM OR XXXX XXXX XXXX XXXX ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Due to Covid, our XX/XX/2020 flights booked through XXXX were canceled. After numerous calls and emails to the company we've yet to receive our refund of {$2900.00}. While the company has offered vouchers, we can not use them and have denied them. We have submitted two dispute requests with Chase Bank, both of which found the charges to be " valid ''. While the charges may have been valid at the time of booking, we never received the service and therefore they became invalid. Chase maintains that they conducted a thorough review of the charges. However, they provide no documentation, no dates, no contacts, no procedure for this alleged review. The concept is simple : We paid for a service, didn't receive it and want our money back. Chase Bank should be advocating for the consumer, not the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-03-26
Company: EQUIFAX, INC.
State: FL
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 got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.

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 2016-07-19
Company: WESTERN UNION COMPANY, THE
State: ID
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
We were victims of a fraudulent/scam. We received a phone call from what we thought was a family member. They advised us they needed money because he was being held at a XXXX, XXXX airport. We sent the money, but it should have been a clue to us when, it was sent to another person 's name which we did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: WESTERN UNION COMPANY, THE
State: AK
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Coastal Financial Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Lamont, Hanley & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, XXXX XXXX of California processed duplicate ( sometimes triplicate XXXX claims due to processing errors. A claim was paid, then the duplicate went out without member receiving a second reimbursement. This duplicate claim was pegged as an overpayment in error. Member called customer service back in XXXX 2015, and claims were reviewed stating that member did not owe anything to XXXX. Member, also, has called XXXX several other times due to phone calls from Lamont Hanley to confirm that member do not have any overpayments. Lamont Hanley has been calling member trying to collect a payment that I do not owe. I have called XXXX several times about this erroneous claim and they agree that I do not owe any overpayment, but Lamont Hanley is relentless in calling harassing me for a bill I do not owe. Just two hours ago, I received a call from this collection agency and informed them for the fourth or fifth time that I do not owe XXXX, but this time the rep kept arguing with me stating that " you do owe this bill. '' I hung up and called back and asked to speak with a manager of Lamont Hanley and informed him that his company has been harassing me for almost a year for a bill from XXXX that I do not owe. The manager asked for my phone number, and he confirmed that the matter had been cleared up with XXXX and that his reps will not continue to call. My concern is that this erroneous matter will end up on my credit reports.

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