BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-11
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Asset Recovery - Tel : XXXX called me and threatened me with legal action ; threatening to sue me for over {$11000.00} and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to " XXXX Bank '' from the " XXXX ''. Claimed I negotiated with them in XXXX - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on XX/XX/XXXX. I am a victim of identity theft and any and all inquiries are very disconcerting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding the repeated reporting of late open accounts on my credit report, despite previous attempts to dispute and correct these inaccuracies. This ongoing issue has a significant impact on my creditworthiness and financial stability, and I request your immediate and thorough investigation to address and rectify this persistent problem. I have identified multiple accounts on my credit report that are inaccurately reported as late open accounts. These accounts should not have any late payment history as they were opened within the specified terms and conditions. I have previously disputed these inaccuracies and provided documentation to support my claims. However, despite my efforts, the accounts continue to be incorrectly reported as late open. 

I request that your bureau conduct a comprehensive review of these accounts and correct their status to accurately reflect their current standing. The ongoing reporting of these inaccurate late open accounts not only harms my creditworthiness but also raises concerns about the accuracy of the information provided by your agency. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the recurring nature of this issue, as it has persisted despite my previous disputes. These late open accounts should be corrected by the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2015-10-20
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: Spring Oaks Capital, LLC
State: TN
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:
RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Drivers License Bank Account Info Pay Stubs Tax Info Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : Consumer Finance Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: R.M. Galicia, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was first informed of a {$120.00} outstanding balance owed XXXX Hospital, from a XXXX XXXX, 2015 XXXX visit, on XXXX XXXX, when my FICO score dropped XXXX points ( XXXX to XXXX ) despite NEVER having received a single bill from either XXXX Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. 

The XXXX Hospital intake form collected XXXX separate options to contact me, yet I was falsely reported delinquent on a balance of {$120.00} ( less than 2 % ) of my bill, without ever being asked for payment. 

When I asked ( PMS ) to validate the debt, they sent me a master account query from XXXX XXXX dated XXXX clearly showing that for my bill totaling {$7000.00} XXXX received 100 % of invoiced amounts within 30 days of the visit : XXXX - {$250.00} copay at the time of service XX/XX/2015 - {$2500.00} deduction XX/XX/2015 - {$4100.00} from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither XXXX Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the {$120.00} bill. 


I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I previously submitted CFPB complaint # XXXX. XXXX XXXX of Ford Credit stated in her response to the CFPB complaint that a 30 day late pay for XXXX 2014 is NOT being reported by XXXX XXXX. I have highlighted this statement on page XXXX of XXXX of attachments ( Ford Credits response ). 30 day late pays ARE being reported on my XXXX and XXXX for XXXX of 2014. I have attached hereto ( i.e. pages XXXX of XXXX and XXXX of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX Not mine or No knowledge of account successful XXXX

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 2015-04-21
Company: Trident Asset Management, L.L.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Trident Asset Mgt XXXX a collection company out of Georgia contacted me threatening me with legal action regarding a check that was written by an old employer that I provided to their supplier. I am not the owner of the check, it was a corporate check for my former employer. I have sent XXXX dispute letters to the company, XXXX to a gentleman name " XXXX '' and then a woman name " XXXX '' via fax, and still no response. It has been more than 30 days, almost two months and no resolution. I am not financially reliable for a corporate account, or something my previous employer is responsible for. Please help me rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Trident Asset Management, L.L.C.
State: NJ
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:
Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collectin. 

2. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX when that address is no where on their website, XXXX profile, or the response letter they sent me. How can they have different address on each report? XXXX shows the address of XXXX XXXX XXXX, XXXX, GA XXXX which is on their website. 

3. All they did was send me a verizon bill but no proof they are able to collect this debt, such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. On XXXX they have their name as TridentAsset.com but on XXXX they list Trident Asset Management. How can they have XXXX different names on XXXX different reports. 

5. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XXXX which is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was from XXXX/XXXX/XXXX. My son had an XXXX hospital visit. My son had XXXX for his insurance. The hospital changed their billing system over during the last week of XXXX into XXXX of XXXX and had lost that bill in their system resulting in it being unpaid by XXXX. After many calls back and forth to the hospital they finally found the bill a year later and it could not be billed through XXXX any longer. The hospital said they would take care of the bill since it was their fault this happened. Now today XXXX/XXXX/XXXX I received a call from CPC Central Portfolio Control who is saying the bill is unpaid and demanding payment. I have never received a letter from them or anything showing what this is for. The man I spoke to was very aggressive and rude. He would not give me any information except the amount and date of service. He told me he did n't care what I had to say and that contacting the provider of the original bill would do nothing. He threatened to hang up on me if I did not comply to payment. I then called the hospital after speaking to CPC and the hospital says they do n't know who this collection agency is and they said I have a XXXX balance on the account. The hospital told me this sounds fraudulent to them and to report them. This company is calling me with a robotic automated message and has also called my parents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Starting XX/XX/XXXX, I began the process of trying to close my PayPal account. They have access to sensitive financial data such as bank accounts with routing numbers. At first, I was told I could not close my account because it was " linked '' to Venmo. I called Venmo customer service, and they confirmed that there was no link, and had never been a link to PayPal. I forwarded this information to PayPal and they started telling me it was some kind of unspecified system error that was keeping them from closing my account. I tried continuing to contact them for 2 weeks, and would either get the Venmo account link excuse, or the unspecified error excuse. After 2 weeks, I just flat out deleted my Venmo account since PayPal is their parent company. After deleting the Venmo account, PayPal still refused to close my account. I waited another 2 weeks ( it has been 22 days since I've been trying to close the account ) and I've contacted them nearly every day. They are holding the account hostage and not giving me any additional information about what the issue is that is keeping them from being able to close the account. From a quick internet search, it sounds like they are doing this to a significant number of their customers, and they have a lot of people angry over some XXXX language change. They appear to be holding customer accounts hostage because they do not want to lose account numbers over this issue. I'm hoping a CFPB complaint will help me to finally close my account with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
the law offices of suttell, Hammer & white sued me and got a judgement against me on time barred debt and now my check is being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Western-Shamrock Corporation
State: TX
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 sent letters off for these creditors on XX/XX/22, and XX/XX/22 and I got no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all three when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-29
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job XXXX XXXX XXXX. I immediately contacted Pacific Union Financial to obtain a hardship hold on my loan payments until I could get another job. They approved this finally and eventually forced to take another job XXXX XXXX XXXX. I then contact Pacific Union to allow me to start making payments again online in XXXX XXXX. They refuse and say I need to pay $ XXXX back before I can make my monthly payments. Of course, I am unable because of loss of job. I then submit paperwork to modify my loan so I can start making my regular payments again. This drags on until end of XXXX XXXX when they come back with a $ XXXX a month payment to pay up the past due. I realized that I had mis-subtotaled my expenses on XXXX form and it made my income vs expense a large positive #. I immediately contacted them and told them my mistake and sent them the corrected sub-total. They said this was fine on the phone and to wait until underwriting could review and revise. They sat around another month and told me that was not good enough and I need to re-submit everything all over again. I fought this, but figured I might as well re-submit since they did not want to cooperate. While this was going on, I knew I needed to rent the house since I was then living XXXX. So, when I had to re-submit all the paper work, I had to disclose that I was renting the house at this point. They sat on the re-submission almost 1 1/2 months and just told me I was turned down due to me renting the house. This is ridiculous for only being out of work for 6 months and they have now built up the payoff to over $ 25XXXX where I can not pay it. They have purposely run up the interest when I could have been paying the regular payments since XXXX XXXX. It is now XXXX and they refused to take any payments until the modification was done.

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