BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: Southern Management Systems Inc.
State: TX
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 was living at an apartment at " XXXX '' for over XXXX years with no trouble, however, in XX/XX/XXXX the apartment started having foundation problems and started cracking all over the walls and it was fested with roaches. when I talked to the apartment manager in XX/XX/XXXX they said it can not be fixed and i can move out without any charges ; however, toward the end of XX/XX/XXXX the apartment complex was sold to another company and when i moved out on XX/XX/XXXX the wanted to charge me about {$500.00} extra for an apartment that was not suitable to be rented. I disputed that charge and they sent it to a collection agency Southern management at XXXX which has been harrasing me since XX/XX/XXXX even though I told them that the debt is not valid and they need to either take it to court or stop calling me. they continue to call me with threats and report the incorrect debt to my credit report. Again they either need to take me to court or stop harrasing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL 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 2015-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Account Resolution Services is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
In process of filing for bankruptcy and they continue to call my work and my mom even after repeatedly telling them not to call and the situation with our bankruptcy. Today XXXX called my mother said not to call her again and then hung up. He called immediately back and said he was not going to remove her number and will keep calling. XXXX also continues to call my job even though I have told him multiple times I can not accept calls at work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are filing a complaint against Rushmore Loan Management, they have taken over my loan as of XX/XX/XXXX, at the time my employment situation was dire and I was unable to apply for modification assistance. In XX/XX/XXXX I was fortunate enough to gain full-time employment with my current employer XXXX. My mom has been residing with me for quite sometime and she is going to combine her income with mine, so that we can qualify for a modification and or repayment plan so that we can retain possession of our home. We submitted a complete and full RMA package, and all up to date supporting financial documents. They have refused to review my application for assistance stating that i 'm not eligible to be reviewed for assistance. To me this is considered an attempt at stripping all positive equity from my home. It is a fact, that my loan was actually purchased by Rushmore Loan Management investment team for pennies in the dollar and they have essentially placed my home in there cross fire for foreclosure and flipping my home for a profit. Rushmore Loan Management, is bound to the terms of the National Mortgage Settlement ( NMS ). They are required to review my request for assistance if a compete package is received prior to a sale date. 
Furthermore, no agents of Rushmore Loan Management made any attempts at allowing me the opportunity to save my home prior to initiating a sale date on XX/XX/XXXX. 
We are imploring your office to intervene in these abusive collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Berlin-Wheeler, Inc. (Kansas)
State: MO
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 debt is not mine this company will not delete this debt off 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 2022-05-27
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The below inquiry appeared on my XXXX XXXX XXXX report. 

I did not give permission to SAN DIEGO COUNTY CREDIT UNION to inquire about my credit. 

I contacted XXXX, XXXX and San Diego County Credit Union to find out who made this inquiry. 

NOT ONE OF THE COMPANIES ABOVE THAT I CONTACTED COULD HELP ME IN FINDING OUT WHO AND WHY THIS INQUIRY WAS MADE!!!!!!! 

Alert Type New Inquiry via XXXX Processed Date XX/XX/2022 Creditor Type Credit Unions Alert Date XXXX Creditor Name SAN DIEGO COUNTY CRED Phone Number ( XXXX ) XXXX Creditor Address XXXX XXXX XXXX , XXXX XXXX , CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having a issue with my mortage company since XX/XX/XXXX. I was out of work due to a illness in my family i took a loa was out a week. During the XXXX of the year my job cuts hours. So in XX/XX/XXXX i applied for a loan modification. I sent in all documents needed. At this time they would not accept any payments from me they would return them They have constantly asked for paystubs i would fax those in within time frame. In XX/XX/XXXX my relationship manager calls me telling me there is a deprecrency in my paystubs they needed more paystubs so i faxed in more. 1st it was {$16.00} then it jumped to {$60.00}. Time and time again i faxed in what they requested. Everytime i called spoke to someone different with different answers. As of today XX/XX/XXXX. My loan modification has still not been approved nor denied..but they will not accept any payments on my account. Now i am over {$6000.00} behind on payments because these people cant get their act together ... i am the one losing out i am losing my home i am losing 9 years of payments all because they can not add cant see i get paid biweekly not weekly. Very disturbing how a large company like this can get away with such a horrible act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Dyck-O'Neal, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: RFNA, LP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX I was going through some financial difficulties but my credit was good XXXX. I was offered a title loan in the amount of XXXX from Republic Finance @ a high rate of 29.99 %. I paid on time and consistently with an ending balance of below XXXX. On XXXX/XXXX/XXXX Republic Finance offered an additional XXXX ... for which I paid on time and consistently up until XXXX XXXX ... because of recent unemployment and added financial burdens .My credit score at that time was XXXX. In XXXX I decided to look through the contract and my records of payment and had discovered that Republic Finance had increased the interest rate to 32 % even after paying on time, consistently and with good credit. I also discovered that Republic Finance had added an additional XXXX to the second loan that did not apply to my loan or to the balance owed from the first loan. So the contract unethically and fraudulently read that I owed them XXXX on the Total amount borrowed of XXXX plus the XXXX balance from the first loan ... at an interest rate of 32 %. How is this possible, ethical or fair? I was devastated and outraged. In my time of vulnerability and need ... I had missed seeing this deceptive and predatory addition by Republic Finance. And I also recalled that the loan officer tore up the First loan contract and payment book with the original numbers while I was there in the office on XXXX/XXXX/XXXX. Since XXXX XXXX I have been harassed by associates at Republic finance calling my number and not leaving messages that could be documented or addressed. And on XXXX XXXX my car was taken from my driveway in the early morning hours without notification from Republic Finance. I 've been without personal transportation going on 2 weeks now. I 've had the same car for 15 years and can not afford to buy another because Republic Finance has ruined my credit .... My credit score in XXXX was XXXX but now in the tank at XXXX. I am stranded. Republic Finance is an unethical predatory loan company who needs to be brought to justice for ripping off vulnerable people and for using deceptive lending practices. and charging amounts far Over the amount borrowed or owed. My XXXX loans totaled XXXX plus the abusive interest rates. I paid a total of XXXX from XXXX to XXXX XXXX. But Republic Finance claims I owe them an amount of approx. XXXX dollars at this point. This has caused emotional distress as I can not pay them anymore. Republic Financed has ruined my good credit ... And they have my car in their possession. and have informed me that they will have it auctioned off in mid XXXX. I 've been ripped off, scammed and robbed. I wrote Republic Finance a letter to inform them that they are not to contact me expect by written documentation. Someone please advise! How can any company exist/be allowed to stay in business that expects to rob the lender of XXXX from a XXXX loan in a 4 year period and steal your car in at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, I was checking my Experian credit report tonight and noticed a collection account as shown as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : ACE CASH EXPRESS Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe Ace Check Cashing, nor have i ever taken out a payday loan with Ace Check Cashing due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at Ace Check Cashing was months ago for like around XXXX dollars, I have a great record with that company Ace Check Cashing in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other XXXX Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.

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 2017-01-06
Company: Automotive Services Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2012, I got into a bind after totaling a vehicle and needed a new car bad. After shopping around I found it hard to get financing. I found a dealer who got me financing through automotive services finance and it was a disaster from the start. The dealer, XXXX XXXX XXXX XXXX, seen the vulnerability and got me a extremely overpriced vehicle at a terribly high interest rate but I accepted since I found nothing else. After two days of having the car the check engine light illuminated. I returned to the dealer, who is now permanently closed down, to get it checked and he told me I already owned the vehicle so it is none of their concern. ASF couldnt help me over the phone as well. Fast foward maybe about two years without missing a single payment. I am XXXX military and two days before XXXX the car catches on fire while I am on the highway. A bystander stopped and gave me a fire extinguisher and a follow me truck from the state of Virginia escorted me home watching that the car does not catch on fire again. The car was no longer drivable. I contacted ASF since I had GAP coverage but left to XXXX before a response was received. While I was on XXXX I sent numerous emails to ASF regarding the GAP coverage. My wife also sent emails and made many phone calls. We did not get any response and when we did get a response it was that someone would call me back. Finally when speaking to the account manager I was told someone would come out and make a estimate of the damages. That never happened. I was told they would store the vehicle for me and have a mechanic take a look at it. I shouldve known that was a lie just to be able to get the vehicle in there possession. After 6 months of making payments on time for a car I no longer had, I came back from XXXX and needed another vehicle. So I was forced to stopped making payments on the ASF vehicle to be able to afford another. The second I missed a payment is when they would start calling me but said GAP would no longer cover me since I no longer had insurance. Although I had insurance when the damage was done. They got a judgement on me and threatened to garnish my wages. The judgement is now showing on my credit reports damaging them terribly. The account is also shown as Charged-off, stopping me from obtaining any kind of credit from anywhere without a insanely high interest rate. I still make payments on the account since I want it removed and they came to a settlement with me, but the damage is already done to my credit history and will effect me for years to come. I believe this was very unfair practice from the very beginning to a consumer and a servicemember.

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 2015-12-15
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They are calling my employer sailing they are XXXX telling my employer false statements ruining my name

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation