BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: F&L Marketing Enterprises LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a revolving line of credit with Cash 2 U Financial Services of VA. On the day that the loan is due I start getting calls at my place of employment. I have asked several times not to be contacted at my job and have informed them that I am not allowed to receive those types of calls. I received a call today that was answered by one of my employees. The rep asked to speak to my direct manager by name and did not ask to speak to me. There should never be a time that a debt collector ask to speak to a person other than the person on the account. My manager was out of the office so the call was transferred to my voicemail. I called Cash 2 U and advised them again not to call my place of employment and asked why they would ask to speak to my manager and not to me. She informed me that she had not done so. I advised her that all calls made to the company are recorded and that I listened to the recording and she specifically asked for my manager by name. She never mentioned my name until the rep told her that the manager was unavailable and was there someone else that could possibly assist her. She then said I am not going to argue that fact with you. I asked again to never contact my employer because they are putting my job in jeopardy. She stated that she made notations on the account that they will never contact my place of employment again. I was lied to about the terms of the loan, I was lied to today that they did not ask for my manager directly, so I am pretty sure she lied about the do not call the employer notations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been getting calls again concerning my private student loans this time coming from the XXXX XXXX, Ohio office of a company called Weltman, Weinberg , & Reis Co, XXXX that kept calling me and my mother, who is a cosigner. I spoke with a representative of the company who offered an " aggressive settlement '' that would take out an excessive amount of money from my mother 's retirement to pay a part of my loans. We have been paying the regular monthly payment of the loans, but it is hard for us at this time to get out of the default on my loans until I get a better job within a year 's time hopefully after my graduation with XXXX degree XX/XX/XXXX. My mother does not need any more phone calls to give her stress because she has been to the hospital already within a year 's time, and that has contributed to her health struggles. I would like that the loan company stop calling us please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Municipal Collections of America Inc.
State: IL
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:
MCOA Municipal Collections of America had my driver license suspended with the state of Illinois, with no XXXX for recourse. But after multiple attempts MCOA has refused to provide me with verification of the date. I would like written proof of the debt sent to me to be verified before any payment is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.

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 2016-05-13
Company: CURO Intermediate Holdings
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company 's response is not factual. My initial agreement ( attached ) XX/XX/2011 was with XXXX XXXX, not Weltman Weinberg and Reis. As I stated, XXXX turned the account over to XXXX XXXX XXXX without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as XXXX XXXX XXXX. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from Weinberg stating that they would garnish my account if I did not send them payments. I had never heard of Weltman. I then called Weltman and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from Weltman that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to Weltman because I do not want my account to be garnished and I do not want to incur more legal fees. I want XXXX things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: VW Credit
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Maximus Education, LLC dba Aidvantage
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: Old information reappears or never goes away

Complaint:
I recently received a credit alert stating a new account has been added to my XXXX  report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via XXXX and the inquiry came back without being fixed. This is only showing on my XXXX report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
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:
There was a debt that was owed through a apartment complex for XXXX dollars that XXXX had collected from me last year and showed it as a paid collection on my credit report. Now they have put another collection for the same amount on my credit report under a different account number. This has already been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a Garnishment Doc from the XXXX County Superior Court via XXXX County Sheriffs department through my Employer XXXX. It was from Legal Recovery Law Offices for the plaintiff XXXX XXXX XXXX. It 's states that I owe {$4000.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchaser, from what I read online. XXXX through XXXX XXXX XXXX Offices have however, ALREADY started collecting in the amount of {$70.00} witch will be 25 % a week of my check, being so that I am a temp employee. This is CLEARLY a violation of the Fair Debt Act, as XXXX nor Legal Recovery Law Offices STATE the ORIGINAL creditor on this Garnishment Doc? There is n't even a TYPE of credit that this {$4000.00} was for?

Company response to consumer: Closed
Consumer complaint received 2016-10-19
Company: WESTSTAR MORTGAGE CORPORATION
State: AK
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: I.Q. DATA INTERNATIONAL, 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 was unaware of this balance until i pulled my credit report. I provided a forwarding address when i moved from XXXX XXXX but i never received an itemized bill or any correspondence therefore I was lead to believe everything was okay. After seeing this on my credit I called the properties management company to ask what the balance was for I was then told they could not help me since it was now in collections. After being told this I mailed a letter to IQ DATA INT asking them to provide proof of this debt by sending me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

IQ DATA INTI has never responded to my request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
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:
An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help

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 2016-09-24
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Alliance One, Inc.
State: WA
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 received a parking collection notice for parking tickets at XXXX XXXX XXXX after I had already responded to XXXX stating I was not a student there and was a commuter parking legally. 
I then received a collection notice from Alliance One Resources Management Inc. in XXXX ' 2015 which I also responded within XXXX days to dispute claim. 
I received final result of dispute early XXXX and attempted to pay Alliance on XXXX XXXX but the male ( refused to give name ) stated I had no debt under my name or social security number. I called school to verify parking tickets and paid Alliance over phone on XXXX XXXX under my vehicle license plate since the male at Alliance previously stated I had nothing under my name or social. 
This was reported to credit report as in collections from Alliance when XXXX days had never passed without item being in dispute. 
This was reported as collection as of XXXX ' 2015 while the charge was still in dispute until XXXX 2015. 
When I initially called Alliance they stated I had no bill to pay. 
Upon checking my credit report I found a collection after I had paid Alliance on my XXXX attempt. 
This collection item was not on my credit file until XXXX after I paid my bill that had just finished the dispute process. 

The male I spoke to at Alliance One Resources Management Inc. in XXXX XXXX was very unprofessional and I believe this may have been done as retaliation for me hanging up on him after paying my bill and being XXXX with him as he was so rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received letters covering various bank accounts at PNC bank informing me that after over 30 plus years as a loyal customer that they were closing all my accounts, checking, savings, money market, and credit card. Reason for the closures was not given but I assume it is the result of felony guilty pleas in Federal Court in XXXX. PNC in late XXXX sent out the letters closing my accounts creating much XXXX as I was then forced to open new accounts with another institution.Why did they wait 7 years AFTER the plea to address their concerns? Please help me understand why they are permitted to take this type action. Thank You

Company response to consumer: Closed with explanation