BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My complaint is from the Very Beginning Mountain Lion was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from Mountain Lion Acquisitions. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. Mountain Lion nor cash call ever tried to work with me Mountain Lion just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of Taxes legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. Mountain Lion are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law XXXX, Mountain Lion is also in violation of the Roenthal Fair Debt Collection Practices Act California Civil Cod 1788, etseq. These kind of Company are Big Time LOAN SHARKS that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim Millions of dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & Mountain Lion work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & XXXX was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then Mountain Lion calls me & they acted the same way mean & Cantankerous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: AES/PHEAA
State: SC
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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 2021-03-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY
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:
In XXXX, I learned that my Mortgage note with XXXX XXXXXXXX XXXX  had been sold to Rushmore Loan Management. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called Rushmore to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Santander Consumer USA Holdings Inc.
State: FL
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 contacted my auto loan servicer, Santander, to let request a courtesy reversal of the late payment reporting as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company I have been paying on-time for over one year would have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide hospital documentation if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account with paypal was frozen and I have a balance due to me of {$470.00}. Paypal wont release it and I want my money ASAP!!!! It was already been 3 months this is unfair, that is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
A company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has made XXXX attempts at collecting a debt related to an overdrawn checking account from BANK OF AMERICA. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.

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 2015-11-17
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2015 I reviewed my credit report from the XXXX credit agencies and found inconsistencies regarding medical debts. I wrote letters ( attached ) and Central Financial Control responded with inaccurate information. I am requesting assistance for Central Financial Control to validate these debts. I asked for information and it was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on XXXX XXXX to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $ 100 monthly until the account was at a {$0.00} balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment were n't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported on my credit report.

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 2015-05-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Billing statement

Complaint:
Citi credit card : I started to notice the discrepancy of Citi credit when I returned my shoes to XXXX store and they reimbursed me, despite not showing up in my account to get this amount back again. I called customer service twice first waiting for half an hour and hang up and the second time too until a very rude assistant replied to me. I did my best in explaining to him that it is not dispute it is already reimbursed but their system does n't show credit it back. The conversation went on and on trying to make him understand and then he consented to credit it. After a while I browsed my account again but did n't seem to be credited back to me although I received email confirmations from them. I decided to pay the balance in the card except for this amount ( about {$84.00} ). Except for few transactions with Costco I did n't this card anymore. Surprisingly they accrued a weird fees for the unpaid amount and when they called me to collect payment and I told them many times the problem is at their side. Finally I paid off the rest and decided not to use this card anymore but I 'll have to file this complain hoping to return the lost money.

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 monetary relief
Consumer complaint received 2020-01-10
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have had a direct express card as long as I have been collecting XXXX social security. I was in an unfortunate situation last year, I was living in a XXXX house trying to get my life on track and I made a stupid mistake and got XXXX while out for the day while living at XXXX XXXX  in XXXX XXXX, MI. Well, at the time I was XXXX   my wallet was in my vehicle and a guy that was with me was named XXXX XXXX, I told him to drive my vehicle back to the house for my father to pick up at a later date. Not even realizing my wallet was still in the vehicle. Well I was XXXX XX/XX/2018. That day I was XXXX XXXXnd my benefits were suppose to be stopped, well they were not. This gentleman managed to access my account ( because my card was in my wallet and there WAS NO CHIPS IN DEBIT CARDS THEN SO THEY CAN BE RUN AS CREDIT AND JUST SIGN A BOGUS SIGNATURE AND IT GOES THROUGH '' I get out of XXXX XX/XX/2018 I was in XXXX for this entire period of time with NO ACCESS WHATSOEVER to my debit card. I was released from XXXX AND THERE WAS A LOCKOUT OF MY DEBIT CARD from my individual phone it links it to my card, so I only have to enter the last four digits from my number if its anyone elses number I have to input the entire card number or my social security number SO WHEN I GET OUT I CALLED TO CHECK TO SEE IF I HAD ANY GAS MONEY BECAUSE I THOUGHT MY BENEFITS WERE TURNED OFF. My social security card was in my wallet. When i was released I should have had an entire payment from social security on there, it was not there in fact I found out while I was literally locked up, my card was being used all over XXXX  michigan, successfully might I add and my account was drained. Ive had them investigate this and they must not know their own loopholes because I believe with my social security number he was able to access my account and change my pin OR ran it as a credit and only had to provide a signature that does NOT have to match mine. NOW NOT ONLY DID I GET THIS MONEY ILLEGALLY STOLEN FROM ME, SOCIAL SECURITY IS DEMANDING AND RECIEVING PAYMENTS EVERY MONTH FOR THIS MONEY THAT THEY SHOULD NOT HAVE PAID ME IN THE FIRST PLACE BECAUSE I WAS XXXX. THIS IS AN UNJUSTICE I HAVE ALMOST PAID THE FULL AMOUNT BACK BUT I NOW HAVE BEEN SHORTED ALMOST XXXX DOLLARS OFF EACH OF MY CHECKS FOR THE PAST FEW MONTHS. I AM URGENTLY HOPING THIS IS FIXED, THE AMOUNT IS FOR OVER XXXX I REALLY NEED THAT MONEY BACK NOT ONLY DID IT GET STOLEN OFF MY CARD BUT NOW IM PAYING IT BACK. PLEASE CONTACT ME XXXX AND MY PHONE NUMBER IS XXXX THE GENTLEMAN THAT USED MY CARDS NAME IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I received an alert from my credit monitoring service in reference to a new account. I opened my report and found a new account that was open on XX/XX/2022 for a company called XXXX dropping my score XXXX points, I am in the process trying to buy a home and this just may have destroyed it for the time being. I called the the number listed on the credit report of ( XXXX ) XXXX that directed me to a recorded sales pitch for a medical alert bracelet. I researched XXXX XXXX XXXX ( XXXX ) XXXX when calling this number it states it is XXXX but they are closed despite being a Saturday at XXXX. I sent an email to the company, I found on the XXXX site this is an ongoing issue with this company allowing fraudulent cards to be opened. This also states it is a " secured '' card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Resurgent Capital Services L.P.
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:
FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX LVNV FUNDING LLC LVNV FUNDING LLC  FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian, XXXX, XXXX are not updating my credit report from XX/XX/21 to XX/XX/21 for XXXX months straight I made my payments before due date. I submitted disputes advising no update for XXXX XXXX XXXX XXXX XXXX XXXX. I also reached out to XXXX financial XXXX xs to do a update. I pay XXXX a month for Experian to keep updates and submit disputes. They then put slash markings XXXX through XXXX which doesn't show that I been current and paid on time. This is XXXX if I had been XXXX days on account they will ding me IMMEDIATELY. I NEED AN ATTY AT THIS POINT I'VE DONE EVERYTHING. Also my inquiry updates are off. I'll admit to having past bad habits w my credit. I've been working on my credit a year I feel like I'm being XXXX balled

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 2020-09-26
Company: Rosebud Economic Development Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Ive already tried to contact the company to request an extension, which I know I am privy to in my state of Kentucky, I also know this company is not following laws per my state of Kentucky. 
I contacted them again today, but I have no faith that they will heed and follow my request, especially considering theyre not following the laws in my state, and their interest rate is astronomical and unreasonable. 
I am now asking to cease automatic payments with them, especially as theyre now starting to cause me NSF fees with my bank unless theyre willing to come up with a reasonable payment plan. 
Though as Ive contacted them previously, I have no faith that they will work with me. 
They prey on people like me that feel we have no other choice but to deal with their fraudulent ways.

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 2022-08-27
Company: Paypal Holdings, Inc
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022 I received an email from Venmo stating someone had tried to reset my password. There was a link in the email to reset the password myself. Unbeknownst to me, my clicking the email triggered Venmo to freeze my account. Fast forward 23 days and my account is still frozen. I've provided ( according to Venmo customer service ) all necessary documentation requested. Is my account unlocked... nope. I have had NO ACCESS to my paycheck for 23 days!! They have held my money XXXX for 23 DAYS!! I have bills to pay, no food, no gas and no money. I have called and emailed to no avail! Please help. I get paid monthly and if this account isn't unlocked by next Thursday, I'll have no access to it either. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: FORD MOTOR CREDIT CO.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My ex wife was awarded a car in our divorce and is not making payments yet I am the one that the creditors call and harass my credit has already been destroyed I just want it to stop and why does my credit have to suffer

Company response to consumer: Closed with explanation