BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: PINNACLE RECOVERY, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX     2017, I    made a settlement offer against my timeshare. Here is the email receipt that I received after the payment was made.     " This letter will confirm that  Pinnacle Recovery , Inc.  and  XXXX   XXXX   ,   XXXX .-   XXXX   XXXX   have accepted a payment of {$1600.00} on your outstanding balance of {$8900.00} on your contract # XXXX on  XXXX  -17. T his obligation will be considered a full compromised settlement to terminate all rights and interests in the contract originally signed.     You are not responsible for the additional contract balance or any outstanding fees regarding your maintenance fees '' Today,   XXXX   XXXX   , 2017,  I received a letter dated  X/XX/  2017 t hat stated I owed {$8700.00 } ( with  new late fees and collections costs assessed.     When I called the collection agency, I attempted to ask multiple times why this debt was not cleared. I could not even finish one sentence or question. The phone rep would not give me a straight answer. I was able to glean that there is a " Note '' on my account that it was paid directly to the collection agency, but no record that they have received anything back from the actual timeshare company. In her contradictory information, it appears they (  Pinnacle )  did not notify the timeshare company, even though I received this information above, that the account was paid. I would like the collection agency to take this payment and resolve immediately with the timeshare company as this was considered paid in full. Otherwise, it appears to me that this is simply grand larceny by the collection agency.

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 2021-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
inaccurate debit collection on account

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 2021-12-22
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: Account information incorrect

Complaint:
XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX XXXX that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXXXXXX XXXX  - Account # - XXXX XXXX XXXXXXXX - Account # - XXXX XXXX  XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX  - Account # XXXX XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.

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 2017-05-06
Company: Southern Auto Finance Co
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Go Capital Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since  XXXX    XXXX   I have attempted to get validation of debt from this through all credit bureaus they have never responded I tried calling no luck. But  GO FINANCIAL  is reporting debt on my credit reports making it hard for me to make big purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: RGS Financial, Inc.
State: VA
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:
Just learned that XXXX XXXX has once again placed a debt that was removed from my credit for aging this account. I was not notified, verbally or in writing about this debt and it appears to come after filing a complaint with your company and the debt was removed from other reporting agencies. 

Spoke to XXXX XXXX and was told XXXX XXXX account is now with them and they are the debt collector. This debt has been disputed and disputed and removed at lease twice. When I paid portions of the bill and the company discontinued the process and then sent to collections. It has been removed at least 2 times and they continue to age this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: The CMI Group, Inc.
State: WA
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:
I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop.

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 2017-05-06
Company: EQUIFAX, INC.
State: WA
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:
Requested to dispute some items on my credit report with Equifax that sent an updated report saying items had been verified which I didnt agree with so I sent in a letter to investigated and show me physical proof of the verification they received which they have yet to do they sent another report saying investigation is complete and yet again verified but they have not sent are shown me any physical proof. I also filed a complaint on the company reporting the information to the credit bureau. Received an email from the company saying they have no record of me or any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. 

They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. 

Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! 

These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! 

The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is not about paying my mortgage. I am trying to refinance my mortgage. I had a loan modification. I need a copy of this modification to begin refinancing my mortgage with another bank. Select Portfolio Servicing is my mortgage carrier now. I have tried since  XX/XX/XXXX  to get a copy of my modification agreement. Every time I call I am told a different date when they will fax it to me. First it was 3 days, when I did not receive it I was told I would have it  XX/XX/XXXX . When I did not receive it then I was told they had 5 days until they had to send it. 5 days passed and again I did not receive it. I called back and said that I was contacting your company in 2 days if I did not receive the paperwork. They said do what you have to do. I gave them a week and I still do not have my paperwork. So now I would like to file a complaint against Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since   XXXX   XXXX     I have been trying to get validation of debt from  XXXX  antander Consumer Usa through all  credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on  XX/XX/2017      XXXX   mail me a completed investigation removing t his Auto Debt but t he account was not removed from   XXXX   and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX   XXXX  , Experian, And  XXXX  are Continuing to report misleading information into my credit report.   XXXX   XXXX   attached letter shows my final payment was received  XXXX   XXXX  Experian Credit Report is showing my last payment  XXXX   XXXX  and That I Failed to Pay in  XXXX  and  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 2022-02-01
Company: RS Clark and Associates, 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:
I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report. 

Account info as listed on credit report : Account # - XXXX Original Creditor - XXXX XXXX  Debt Amount : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been getting continued mobile phone contact with XXXX collection companies, XXXX XXXX XXXX and Penn Credit Corporation on a number that is listed in the Do Not Call registry. These are unsolicited calls using a number I do not use for credit applications. They are both intrusive and waste my minutes on a phone I use for work purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: National Credit Systems,Inc.
State: SC
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:
We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a Amex Gift Card for our wedding on XXXX XXXX. We went to XXXX on XXXX XXXX and went to make a purchase. My wife handed me the card which was still in its original wrap where the number of the card could not be seen. The card kept being declined. We called Amex Gift Card services and they told us that there are XXXX dollars and change on the card. The original/gift amount was {$100.00} and out of nowhere XXXX charges were made on XXXX XXXX. We politely mentioned to Amex that is not possible because we literally opened the packaging. They said the only thing they can do is cancel the card and send us another card with XXXX dollars and change on it. Besides calling them, they are n't very helpful and they seem to accept when a gift card has fraudulent charges on it. I 'm completely vulnerable and helpless with this. I ca n't stress enough that I literally opened the packaging of the card. Over the phone they mentioned that they can do nothing about the charges. On the outside of the packaging it says, " Funds replaced if lost or stolen '' and on the inside it says, " No refunds will be provided for amounts debited from your lost or stolen card before you notify us ''. Am I subject to rules that a card enforces when I just opened it? How could I have possibly have notified them when I just opened the card and this is my first use. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are 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 non-monetary relief
Consumer complaint received 2015-09-27
Company: Concord Servicing Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Blackwell Recovery contacted me to obtain access to my parents, with whom I have not lived with for 10 years. I am not personally tied to this debt. When asking about said business with my parents, the representative would not provide any information. I find it disturbing this company would contact me on my cell when I am not tied to the debt, have an unlisted number, and have registered said number on the National Do Not Call Registry ( registered in 2005 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of ID Theft. I have dealt with the company in the past. I had checked my credit report and notice I had a debt in the amount of {$6000.00}. I contacted the company immediately by calling and also writing a letter asking them to validate the debt. They have failed to comply with FDCP and I want this remove from all XXXX of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off a 60 month loan in 18 months. The last  XXXX  payments were large amounts. The monthly amount was  XXXX . In  XXXX    XXXX   I paid approximately $  XXXX  {$11000.00} towards the loan. In  XXXX    XXXX  , I paid off the remaining balance which is approximately {$8900.00}. The payment date was  XXXX   XXXX . The final {$8600.00} paid the loan info. Because it was not paid on the  XXXX  they have now assessed a   XXXX   day late on my credit report. I spoke with them about this and asked them to remove it. He said I had paid the loan off satisfactorily but they would not remove the 30 day late. Even though it was n't even 30 days late it was  XXXX  days past the due date. And the only reason I posted late is because they have the wrong bank information.     Please advise next steps.    XXXX   XXXX

Company response to consumer: Closed with explanation