BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-13
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: ID
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:
Debt collector refusing to mail verification of debt and refusing to notify of right to dispute. Called XXXX about this debt on XXXX/XXXX/16 at XXXX. In addition, debt collector hung up on me after refusing to send any information. This is my first attempt to gather information about this debt. I was under the impression that this debt had been settled many years ago.

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 2020-06-18
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I see this company on my credit and I don't know who this debt belongs to.

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 2022-01-20
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an XXXX loan and was paying XXXX back each for 6 months XX/XX/XXXX was my last payment and here is where the problem lies there interest rate was sooose to be 15 % wich I was fine with but when the last payment came out the charged me XXXX and I was wondering why I called them and they said all I was paying was interest and some sort of taxes on it because I was in the state of Texas so long story short I ended up pay almost XXXX dollars on an XXXX dollar loan this type of bissness practice is unexceptionable and is worng when I found out about this told them sto scrub my information off there system my loan was paid off to wich they replied that the couldnt completely Romove me form there system I told yes they could and in fact by law the had to because I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield, Debt collector FL. 
Fraudulent debt collector and its agents never sent me any communication either through mail or email to validate the debt. 
It suddenly shows up on my credit report and they are not willing to take it off even though I have no information about this account. 
Hanging up on calls without providing valid information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Rausch Sturm LLP
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice on XX/XX/2021 that a Debt Collector is trying to collect a debt based on a judgement meaning I may have already been sued but I was not aware of it and was not given any communication about this debt nor options to pay this debt. 
I have only been given the info about a judgement and thats it.

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 2019-12-25
Company: Tribal Lending Enterprise, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX informing me that I had an unresolved balance, there was no amount provided, but I should make a payment. I have never heard of this company, let alone done any business with them, or any lender of this nature. A phone call to the number provided, yielded no further information without providing the last 4 digits of my SS number. I declined and asked for them to provide the balance information in writing. They declined.

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 2022-01-20
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had XXXX for my student loans for years. I contacted FAFSA ( Federal Student Aid ) and they told me to contact you. For years, I was unable to pay anything and they kept telling me to just go into forbearance. I did that for many years and now I am reading they did many wrong things to many people. Also, I have had these loans that I haven't paid much on and now due to all the interest ( forbearance seemed logical as they were the experts ), I owe XXXX XXXX dollars. I don't know if there is anything I can do about it but I feel they mislead me as all those years I probably could have paid a bit but they always pushed, " we can put you in forbearance. '' I don't know if anything can be done but this wasn't ethical-it simply seemed an easy way to just be rid of me and my concerns and fears. 

My email is XXXX and my phone number is XXXX XXXX XXXX. 
My name is XXXX XXXX Thank you for any assistance. 
I would like to lower my huge debt amount as I trusted them as my provider and now I have come to learn they mislead many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual TRANS UNION NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.

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 2019-12-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and person used information to open a Raymor Flannigan card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX card service and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of XXXX XXXX   XXXX  and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent Raymour Flannigan card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from Raymour Flannigan or was hired in an attempt to collect on a debt I was cleared from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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: Account status incorrect

Complaint:
I HAVE ASKED XXXX XXXX ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XX/XX/XXXX-XX/XX/XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. XXXX XXXX HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.

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 2020-06-18
Company: EQUIFAX, INC.
State: IL
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:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX ) continues to report inaccurate information to each of the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After multiple telephone calls in XXXX and XXXX, 2020, XXXX XXXX XXXX ( XXXX  ) continues to report inaccurate information to each of the three credit bureaus.

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 2015-06-12
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX have all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Experian complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: Bowen & Associates Recovery, Inc
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX of Bowen & Associates has called me several times on my cell phone and left voice mails, including to send someone to our home. I am a XXXX. The phone is listed in my name and the voice mails are addressed and intended for me. XXXX XXXX claims our family owed his client monies yet we have confirmed that the alleged, unverified amount is perhaps owed by my father 's employer. Our family does not have any ownership in that company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen as part of XXXX XXXX hack. A XXXX XXXX Two accounts were fraudulently opened using my name. According XXXX records two accounts were opened. One in Georgia using another persons name not my name. The other in XXXX Louisiana using my name. No payment were ever made on the fraudulent accounts. The accounts were subsequently sold to various collection agency. The amount for collections was {$800.00}. None of my current or previous addresses listed on my credit reports are in Louisiana or match the address in Georgia. I have never lived in Louisiana. I do not know the the exact time the accounts or the properties where XXXX delivered service fraudulently. I do not know the account numbers. 
When the XXXX hack took place I locked all of my credit reports. So new accounts could be open in my name. My credit reports remain locked. 
Currently, Credit Management Lp. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect the fraulent debt and is listed as a collection on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX. 
Both XXXX and Credit Management the collections agency have been contacted. The company 's dispute forms for identity have been submitted to both organizations with the requested documentation. No actions have been taken by either organization. As a victim of identity theft. I am being victimized subsequently by these companies. The debt is not mine.

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 2022-01-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Westlake Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Filed for Chapter XXXX Bankruptcy. 
Judge sent Wilshire / Westlake Financial Services the papers. 
They refuse to release the Lien. 
Every time I call, they say that this is the first that they heard of this. 
No attempt is made to remedy the amount owed.

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 2019-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates of XXXX, VA are trying to collect a debt not owed with 1 of 3 accounts they have listed as my owing. The other two accounts are in dispute as of current. The account that is incorrect is Account Number : XXXX Account Balance : {$1400.00} Seller : XXXX XXXX XXXX Merchant : XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Open Date : XX/XX/XXXX ; This account should have been charged off and is not owed by me anymore since it is almost two decades old.The other two accounts are still in question and are referenced by the following : 1 ) Account Number : XXXX Account Balance : {$650.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 
Account Open Date : XX/XX/XXXX, and ; 2 ) Account Number : XXXX Account Balance : {$920.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX 
Account Open Date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Loan XXXXSecond complaint regarding SLS, and their inability to properly calculate my monthly payment as agree in a modification to a Heloc XXXX 2015. My monthly payment as agreed for 36 month is {$290.00}. I filed a complaint previously upon receipt of a statement claiming I owed {$580.00} per month with an amout past due of XXXXand some in suspense, for a total of {$1200.00}. Sls reviewed and removed past due amounts, but sent me another statement claiming I owed {$580.00} for the XX/XX/XXXX payment, yet their automated system says I owe {$55.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation