BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: American Recovery Service Incorporated
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector sends me a letter asking for a debt that I do not owe and is not mine. Gives me 30 days to respond. I sent a letter telling debt collector that I do not owe but do not understand why collector keep badgering me and I feel harassed. Collectors have even called my wife! I ever owned a XXXX XXXX. I have gotten calls for years about this type of amount. I do not know why the collector or XXXX think I owe them money. I wonder how many other people are being badgered? Some action needs to be taken to stop this bad behavior. 

I did work for a company that had COMPANY credit cards and was an accountant who processed transactions FOR THE COMPANY. When I was an accountant, there were no past due amounts for any credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-23
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 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 CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Financial Corporation of America
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never heard from or of this company and do not owe {$740.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company who identified themselves as attorneys call XXXX XXXX XXXX called my cell phone and then my work. The person who called was XXXX. When I called back they said they had a lawsuit filed and that they were trying to serve papers. 

Said the debt was related to citibank account from 2008 and that I was being sued. I told them the statute of limitations was over on this and that I currently have no information related to the debt or had no idea who they were. 

I asked for address and contact info for them, verification of the debt and asked why I had not received any collection notices from them. When I asked this they became very hositle and eventually hung up. I called back 5 times and asked for the address and was hung up on each time. 3 different people identified themselves as attorneys. This is not a legitimate collection. In addition, they said that they can get a judgement without me knowing it. I have searched our country records and see no evidence of any lawsuit filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. 
I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. 

I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. 

I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. 

Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: National Credit Systems,Inc.
State: AL
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:
After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage with Huntington Bank XX/XX/2020. We did not receive our 1099 by XX/XX/XXXX. It was not available on the website, so we called XX/XX/XXXX. We were informed that it would be mailed to us. As of XX/XX/XXXX, we still hadn't received it, so we call back. They inform us that there is nothing that they can do and that they can just tell us the information over the phone. They are unable to upload the form to the website nor overnight it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: National Credit Systems,Inc.
State: CA
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:
In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CASHCALL, INC.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX | XXXX | XXXX | XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: American Credit Acceptance, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America made four charges against my credit card XXXX for {$180.00} on XX/XX/2021. These charges were related to a non-delivery billing dispute and a fraud claim that supposedly was ruled against me. 

XXXX Customer Service verified via email that the charge for {$75.00} was due to non-delivery and that Bank of America took a charge back from XXXX for {$75.00} on XX/XX/2021. 

XXXX Customer Service also verified via email that the charges for {$13.00}, {$36.00}, and {$59.00} were made on somebody else 's account and these three charges were fraudulent. 

Bank of America did credit account XXXX for the {$59.00} charge on XXXX leaving a balance of disputed charges for {$120.00}.

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 2016-01-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! 
It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! 
Please help in getting this matter resolved!! 
Thanks in advance, for any assistance that you may be able to provide. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: National Credit Systems,Inc.
State: TX
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 submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.

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