BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: NATIONS DIRECT MORTGAGE, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I emailed all the documents that were required TWICE TO nations direct. not FAXING EMAILING, and received confirmation that they received the documents, yet instead of processing my file, they keep sending me letteres they are missing documents, which THEY CAN NOT be since I emailed it to them. 

You can not get thru on the telephone to LOSS MITIGATION due to COVID 19 to speak with anyone. Please help and intervene

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: OK
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XXXX, I spoke with a Toyota Financial Services representative who exclaimed that of the total loan amount due ( Final payment XX/XX/2022 ; {$4100.00} ) about {$2000.00} was due to interest charges beyond the original scope of the lease term. To wit, since the car was leased in California ( a consumer-friendly state ) the lease conforms to the said state 's legal system and is hence considered USURY ( Excessive ) ( XXXX XXXX XXXX XXXX XXXX XXXX ). As the included article contends, their are specific annual caps of 10 % on auto loans in The XXXX XXXX and TFS has exceeded them in this instance.In essence, the actions by TFS are illegal as defined by the California State Constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I purchased a {$75.00} Amex prepaid gift card as a gift for my son. When my son tried to use the card he was told by the cashier that the gift card was never activated when purchased. I have been in contact with Amex numerous times to resolve the situation. Each time I have been in contact with Amex they have thwarted my efforts to recoup the money. I sent Amex clear photocopies of the gift card and receipts. They even ask me to send them a copy of the store journal which I went to the store and they had to contact their corporate headquarters. I followed up by fax and mail ( certified ) with very clear color copies only to be informed again that the documentation was illegible. Amex is giving me the BIG RUNAROUND after attempting to recoup my money. I have reviewed these gift cards only to realize that many people have the same problem. Please help. I have exhausted my options with Amex. I have documentation to send if you would like to review. Thank You ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a VA Home Refinance loan with Suntrust Bank inXX/XX/XXXX. OnXX/XX/XXXX, we are still waiting for the loan to process. My Suntrust Mortgage Consultant has told me that he has multiple VA loans that are awaiting processing. He has seen Non-VA refinance home loans completed within 90 days, but for some reason the Veteran Loans are stagnated. We feel not only neglected, but taken advantage of since we have paid higher interest rates while waiting and waiting for our loan to be processed.

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 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Is attempting to collect on a debt that they have re-aged on my credit report and never sent a dunning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Loan Science, LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
AD for a car on craigslist for XXXX. Contacted them about the car the dealer said to give address so he can contact the XXXX dealer and the XXXX dealer contacted me and gave me the steps to make the payment through money gram. I did. A day later I found out it was a scam. When I asked them for my money back they refused and continued to say that the car will be here today and there has n't been a car delivered here. The dealer also said he was a soldier and he needed to sell the car quick

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Student Debt Consolidating
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans is supposed to be deferred I am currently still in school and it is showing bad on my credit report, I am not sure how to go by fixing it

Company response to consumer: Untimely response
Consumer complaint received 2021-07-30
Company: TD BANK US HOLDING COMPANY
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:
The account in question was paid in full on XX/XX/2020. My credit report is showing the account as a charge off with an open balance. The company no longer has my account information on hand and the merchant has stated that they can not help. Please remove this account as it was paid in full and not a charge off. Proof of payment is being submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: MI
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 had a bankruptcy discharged in XX/XX/XXXX, since that time I have followed all guidelines, have 100 % pmt history, established credit and remained below the standard credit useage guidelines. I sent repeated disputes to Experian about mis-reported bankruptcy accounts. 

The last one was 1 mo ago for XXXX XXXX XXXX, they were reporting as a 3 month old account, they admitted it was their error and stated it would fix, and my score would reflect it. 

I received and Experian alert today about potentially negative items : XXXX was back, yes reported in bankruptcy but dated XX/XX/XXXX making it appear a relatively recent account, and then they added XXXX same thing but dated it XX/XX/XXXX, making it also appear as a current negative account. 

I made 4 calls to their dispute center and each time given a bunch of double-talk, but the bottom line is Experian sent these on a credit alert as changes to my file and dropped by score again, back to where it was. One agent told me they have no control of the score, but they do in how they report. I have been so diligent about repairing my credit and all other scoring is showing me at XXXX, and it is my feeling that Experian deliberately creates problems so you will be inclined to sign up for their endless list of payable services. 

If we are at the mercy of a credit reporting company, the least we can expect is that your credit and payment history correctly reflect the individual, and they should not be able to hide behind well-rehearsed account representatives who attempt to " XXXX '' your concerns, and have no consequences for their actions. Again I received this " credit alert '' from Experian, themselves this morning. While I am at it, on the attached screen shot, there is a XXXX XXXX entry, I was going to get flooring through XXXX, they signed up a XXXX XXXX Account, and I refused the service/closed the account. Think I can get that removed..fat chance. I want a credit score that reflects my credit history.

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 2021-07-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer I applied for a preapproved card using my opened ended credit plan. And I was denied, not sure why I was denied once my credit card was accepted.the reason that were listed are hearsay and discrimination. I dont know how this erroneous list that was provided.that was embrassing to me and my reputation.with that all being said, I provided you with my credit card and now you have denied me credit which provides me no benifit. I demand for your corporation to provide me all the documentation and materials to me so I can investigate why I was denied with my open credit plan. As the original creditor Im not sure how the reporting agency you used to get my permission to provide any information which violated my privacy rights 15 usc 1692 b, and provide alleged inaccurate information. 
Can you reconsider your decision you reason listed on letter ...

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 2021-07-30
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
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 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

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 2021-07-30
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My client is been trying to dispute various items from his Equifax credit report, but the company has not responded. We have sent multiple letters and warnings since XX/XX/XXXX, however, the company has not communicated with my client. We sent letters requesting the dispute of some accounts on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By today XX/XX/XXXX Equifax has still not responded to any of our letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Improved Data Services LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Improved Data Services LLC Collections I am filing a formal complaint against IDS for abusive and harassing collections tactics. Per FDCPA a debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party. At no time have given IDS permission to contact me at all regarding anything yet they called me ( XXXX XXXX XXXX ) MULTIPLE TIMES. XXXX @ XXXX and XX/XX/XXXX @ XXXX. In addition, per FDCPA if a debt collector already knows how to contact a consumer ( they have location information ) then there is no reason to call a family member, friend, or co-worker. The collector can not ask the third party to pass on a message, ask for other information or harass the third party. On occasions @ XX/XX/XXXX messages were left XXXX stated : Its very important that I speak to XXXX, please return my call, again it is very important that I speak with XXXX, if you are able to get this message to him, I appreciate it. 
I personally called at XXXX and spoke with XXXX and advised she does not have permission to contact my number. She proceeded to ask me if I know the party in question and asked If I know where he is at. I told her I refused to answer this and again not to call my number again. I asked for her employee ID, Company address and CEO name. She proceeded to put me on hold and on came someone by name of XXXX ( I think ). I advised him the same and that I did not ask to speak to him nor did I need to. I explained to him that they are not to call me per FDCPA and I have received multiple messages from XXXX. He proceeded to tell me although I told him this is a form of Harassment that they are not harassing me and that I dont have a valid complaint at all and they are allowed to call. He refused to give me the address, CEO name in addition to XXXX ID because according to him this was not a valid complaint? 

# 1. They have broken direct FDCPA law in contacting a Third Party twice without permission to do so. 
# 2. They have also broken FDCPA by creating urgency and asking me as a Third Party to get a message over to another person. 

I am floored with the fact that even after they broke FDCPA that on a recorded line a Supervisor was bold enough to tell me he would not give me what I was asking for because according to him I dont have a Valid complaint? 

*Note- I still have a copy of the voicemail messages left

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