BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: John C. Heath, Attorney at Law, PLLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington Law is using deceptive business practices to collect as much money as possible from consumers. They have made it almost impossible to cancel your service with them and falsified claims on balances owed. This company has disregarded their settlement with the CFPB and returned to scamming as much money from customers as possible. Additionally they purposely ignore any work previously done in order to prolong the payments a consumer makes. 

Lexington law has billed me on different days of a month making it impossible to plan for a charge. Additionally when I called to request my account be closed and refunded for the charge pending they denied both closing the account and refundind the money. I will be filing a chargeback against Lexington with my bank as I DO NOT authorize this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: The Regional Adjustment Bureau, Incorporated
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a private student loan from XXXX in 2006. My original balance was around {$13000.00}. Now XXXX XXXX owns my loan and telling me I owe about {$34000.00}. I do not feel this is right and I need help with this. I ca n't get in contact with XXXX XXXX to see where they came up with the figure. XXXX services the loan, which they take the payments, but send me this ridiculous paperwork of accruing hundreds to a thousand dollars of interest a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage on the home that my ex-wife and children live in was finally modified under what I believe to be the XXXX Program. I say finally because we attempted either XXXX 4 times over multiple years to get a government sponsored modification from XXXX XXXX XXXX and ran into issues such as " lost paperwork '', incorrect information and possibly outright lies and mail not being received that was supposedly sent by them. The modification was eventually finalized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. XXXX days later on XXXX/XXXX/XXXX, this mortgage note and the loan servicing rights were sold to Fay Servicing. The issue is that to this point Fay Servicing is not recognizing the fully completed and executed loan modification contract which is causing both my ex-wife and I significant problems. They have incorrectly reported false information to the various credit reporting agencies while they had the correct information available to them, thus causing XXXX loss of a significant opportunity as well as damage to XXXX my ex-wife and I in general. In response to our numerous requests to have them correctly recognize the completion of the loan modification as well as removing and/or reversing the false reports to the various credit agencies, they have refused to give specific dates when these issues will be addressed/completed, and have not provided answers to pertinent information relating to this account and these issues. All the while, they have continued to report false information regarding our credit, thus exacerbating the damage to us, as well as refusing to address the situation of incorrect miscellaneous charges being applied to the account due to their lack of recognition of a fully executed legal contract in the form of the loan modification. In the case of both XXXX XXXX XXXX and Fay Servicing, there are more specifics relating to these issues and the lack of responsiveness in addressing them appropriately. However, I think that this correspondence should provide enough information to your tax payer funded, consumer oriented regulatory agency to get the ball rolling in not only an effort to provide relief to my family, but to point out some of the outright abuses and possibly fraudulent actions of these financial service companies that have been enjoying some well documented, tax payer funded protection over many years. I will be very willing to respond in any appropriate way regarding this and related matters, and add my voice to the issues in order to attempt to reign in the abusive nature of these companies and the financial services industry in general. They are doing untold amounts of damage to the general population of our country while receiving tax payer funded protection from the very elected officials and civil servants who are supposed to protect us, their constituents, and whose salaries and benefits are being paid for by those very same taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
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:
Bogus collection accounts listed as other account on Equifax credit report. XXXX and XXXX has deleted these accounts however Equifax hasn't. Equifax says the accounts was verified. 
XXXX XXXX XXXX XXXX  # XXXX {$1500.00} Acct # XXXX {$2600.00} XXXX XXXX XXXX  couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: I.C. System, Inc.
State: NC
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 contacted IC System about an account on my credit report that is not mine, but instead belonging to a family member. The agent I talked to acknowledged that they knew that the account did not belong to me and the agent said they will not remove it from my report until said family member pays the debt. I did not give IC System permission to use my credit for any purposes.

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 2022-06-03
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 belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue take care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2021-01-03
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
My American Express account and card, I had money stolen from me. {$4800.00} dollars. My way to go car Tennessee I had XXXX dollars. MY TAX REFUND WAS STOLEN. MY XXXX THROUGH XXXX tax refund WAS STOLEN FROM me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Clear Debt Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Cred X Debt Recovery is the collection company that I have been dealing with to pay off a payday loan from XXXX. I have been speaking with a representative named XXXX XXXX at extension XXXX. XXXX called me once at work and I asked him that day to not call me at work period that my work does not allow it and I ca n't discuss this inside the office that I work at period. I called XXXX XXXX XXXX today because I had an arrangement to make my last payment. I was asking for an extension and the supervisor XXXX that I spoke with told me that I basically lying about not being able to pay the debt and that he thought I just wanted to have a good weekend. He did not disclose to me that call was being recorded and did n't disclose the mini Miranda to me until the end of the call. They still tried to take a payment out of my account and XXXX XXXX at extension XXXX called my work phone to tell me the payment declined. I told him that I have already told him I could not get calls at work. He said that he forgot because it 's been a while since we have spoke on the phone. I asked him if they noted their account and he said yeah but he just forgot. so not only was I accused of lying about not having the money but I also received a call at work after specifically telling XXXX XXXX that I could not get calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.

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 2016-05-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a belated dispute to the response supplied by imortgage concerning my complaint of XXXX 2015. Their claim that they needed an appraiser to finalize XXXX form XXXX to verify completion of my home renovation is still fraudulent. They are well aware that form XXXX can be completed by either the lender or it 's agent, an XXXX, an appraiser or a XXXX. Imortgage had already released funds for two previous draws on my account with the verification of completion using documents from my XXXX. It would follow logically that after he submitted his completed paperwork and pictures of the final completion of my construction they would have him sign the XXXX form and release my remaining funds. After I complained about the misappropriation of other of my funds to imortgages representative, XXXX XXXX, he decided he would delay my payments and demonstrate his power to control my money. I had already paid the XXXX {$150.00} for the final inspection but XXXX XXXX figured he had the right to see me charged another {$100.00} for an unnecessary appraisal. This {$100.00} is what I want to have returned from imortgage. 
The reason for my delay in response has to do with having to refinance my mortgage, and taking my complaint to the California Department of Business Oversight. They were able to convince imortgage to return the other amount that was misappropriated but imortgage refuses to refund my {$100.00} using their distortions of the XXXX Guidelines to make their case. Any further help you can lend to help me get my {$100.00} refunded would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.

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 2016-09-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have requested not to be contacted on my work cell phone. I have also asked to have my account appointed to a different representative due to the lack of respect and professionalism I get from my current rep. Today I receive a call from my representative who would not provide her name or company id. I asked to be transferred to a supervisor and she hung up on me, claiming I was swearing at her and she would not accept that abuse. My voice was elevated but never at any point cursed. I call back and get connected to a XXXX XXXX. I point out I have requested Ally speak with my wife XXXX XXXX, only to be told by XXXX XXXX " If XXXX does n't respond they still have a right to contact me '' and she hung up on me. I have had bad dealings in the past with my Rep who states her name is XXXX, will never offer any other information such as a company id. I do not want calls on my cell, Ally will call my cell phone numerous times a month. I asked not to be placed on any sort of dialer system and can tell by the delay in answering the phone, Ally is using dilaer technology with my cell phone. They have done this before and will continue if nothing is 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
Consumer complaint received 2015-12-30
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Advance America, Cash Advance Centers, Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.

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 2016-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

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 2022-06-03
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

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 2016-07-13
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I made an on-line purchase from XXXX back in XXXX 2016. The charge was made on-line to Paypal. I never received the item and contacted Paypal. So Paypal put in a dispute. Paypal says the payment was returned but because it was entered wrong I should pay the XXXX so it can move over. That made no sense to me at all because it still sounded like I 'm paying for something I did n't receive. I keep getting a bill for {$12.00} which I refuse to pay. Have had contact with Paypal several times.Last contacted them on XXXX XXXX

Company response to consumer: Closed with explanation