BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To Whom It May Concern : From my reading of the Fair Debt Collections Practices Act, I have the right to dispute the validity of any alleged debt, and Professional Credit Management used abusive practices. According to the Fair Debt Collections Practices Act [ 15 U.S.C. 1692 ] Section 802. Congressional findings and declarations of purpose ( a ) Abusive Practice. The company Professional Credit Management has conducted the following act : 809 Validation of debts ( d ) Legal pleading A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). Before receiving a certified letter of a filing made on behalf of Professional Credit Management, I did not receive any correspondence is mail or phone regarding the alleged debt listed in said filing. 

I have made numerous attempts via phone ( phone records available ) to show that I called Professional Credit Management to address the matter immediately after receiving the certified letter ( first tactic of communication ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRUIST FINANCIAL CORPORATION
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 information incorrect

Complaint:
Im contacting cfpb because my account was paid off on XX/XX/2021 and its still reporting on credit as a active account. 

I disputed the account with credit and the account was still updated with a balance of 13k when the balance has been zero for a year. 
My credit need to be updated immediately

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from my credit

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 2017-08-28
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to close my Best Buy XXXX card in late XX/XX/XXXX/early XX/XX/XXXX, when the card was paid off in full. There was a zero dollar balance on my card, and I closed it using the automated system offered by Citibank ( holder of the card ). I was hesitant to use the automated system, so I immediately called back and got a Customer Service Rep to confirm that the account was, indeed, closed. Confirmed. Closed. 

However, the company continues to email me " statements '' with the last 4 digits of the account number and my zero dollar balance info. I have called the company numerous times to verify that the account is closed, and each time they tell me yes, the account is closed. When I ask why they are still sending me emails with my " Best Buy XXXX Card Statement '' each month and ask them to stop sending the emails, they brush me off and tell me it takes a while for their system to update. XXXX months? 

I am concerned that anyone could still access this account, as it does not appear closed by the emails that I am getting. And since I no longer own the credit card, and I am not checking statements regularly, I am further concerned at the risk of identity theft. Why am I still getting emails from this company with my statement information if the account is closed?

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 2022-03-05
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved by Paramount Residential Mortgage Group to purchase a rental property, I have enough funds to close the deal including reserves, I have a XXXX credit score and no debt except the mortgage on my own home. I have held the same job for 19 years. I was denied at the last minute claiming that they were unable to verify my income. That is false. I provided 2 years of XXXX 's, paystubs. I provided my employers name, phone number, address of the business, and email address. They did not contact or verify my employment with my employer. The seller refuses to give me an extension of time, as he has a backup offer, and my {$5000.00} escrow deposit is at risk. Please see attached documents. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Fair Collections and Outsourcing {$5400.00}

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 2022-02-07
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinance loan with XXXX XXXX XXXX XXXX on XX/XX/2022. First American Title was the settlement agent. My file number with First American Title is : XXXX. XXXX XXXX XXXX XXXX required me to withhold 6 months of property taxes. First American Title has {$2100.00} which was supposed to be sent to XXXX XXXX ( Ohio ). First American Title has not paid the property tax and it is now due. The settlement agent told me that the property tax would be paid right away and it's over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
this debt is about 6 years old I was never notified of the debt never call me or sent a letter and I get a summon to appear in court about the debt in the state of Georgia they have 2 years from there to file or contact me and thing didn't and this is a violation of Georgia law and they not have my signature on anything no contract or paper of debt this debt is not to validate and it was not sent by XXXX county police this is not my name on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
this deb company wants to charge me for a service iam no using for, iam no bringing my pet there anymore and i dont have any amount pending to pay, all my payments whats made and discharge, and i cancell this wellness program few months ago, and now they said there i have a contract with them when i never hear or see this before, please i need help with this.

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 2022-08-31
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got a phone call XX/XX/XXXX stating they were XXXX XXXX threatening to turn off my electricity. They prompted me multiple times to use Zelle to send them money. Phone number XXXX ( XXXX ) XXXX. Once i hung up i saw that XXXX XXXX does not accept zelle. My bank XXXX would not take responsibility nor zelle. I called the number back to urge them send the money back. They told me you knew this was a scam and hung up. They took XXXX & XXXX from my business account and XXXX from personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: MO
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:
I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX XXXX XXXX and XXXX  requesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Global Asset Management Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I HAVE HAD GREATER FINANCIAL GROUP/ MS. XXXX, CALLING ME AS WELL AS FRIENDS, FAMILY AND MY EMPLOYER GIVING PERSONAL INFORMATION AND DEMANDING A CALL. I PHONED HER AND SHE MADE NUMEROUS THREATS TO " EXPOSE ME '' TO ALL WHO KNOW ME AFTER RAMBLING OFF MY CREDIT REPORT. SHE DEMANDED ALMOST {$5000.00} FROM ME FOR A DEBT THAT IS NOT MINE. SHE REFUSED ME ANY INFORMATION ON THE DEBT STATING THAT " YOU 'VE FILED BANKRUPTCY IN THE PAST SO YOU 'RE TOAST '' AND SAYING SHE WAS GOING TO " WIPE THE FLOOR WITH YOU '' WHEN I CONTINUED TO ASK QUESTIONS. I CAN NOT CONTACT THIS COMPANY BY MAIL AS SHE REFUSES TO GIVE ME THEIR INFO AND I CAN NOT FIND ANY INFO ON THEM.

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 2022-08-31
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter to validate debt was sent to collections agency and their response to verification request was a detailed document with private medical procedures, which violates HIPPA privacy law. I did not authorize collections agency to access my medical records or sign a HIPPA form. Medical records is not proof or validation of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: MO
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:
I have sent several disputes to each bureau informing them that I no longer owe XXXX XXXX this account has been paid off in full and they are continuing to report that this is a collection account and derogatory. I need this account to be removed due to inaccurate reporting. I have also sent several disputes to XXXX XXXX XXXX AXXXX XXXX and XXXX XXXXequesting debt validation and nothing has been sent to validate this debt at this point they are in violation of the FCRA guidelines and this need to be removed immediately! Attached is proof of the letters sent requesting this information.

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 2018-05-09
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I called the number listed for this account on my XXXX   credit report and I asked the collection agency to verify the debt and they could not. As an alternative they offered to settle the {$3100.00} debt for {$1200.00}. I insisted that I need to verify the debt and they promised to send me statements from the original creditor. As of this date I still have not received any written communication to verify this debt from this collection agency. I called again last Friday XX/XX/XXXX  and again was not able to get information to verify this debt.

I am in the process of purchasing my first home and this collection item is hindering/impeding my progress.

Here is the information that is showing on my 3 credit reports : You have 2 accounts in Collections Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XX/XX/XXXX {$3000.00} {$3000.00} Paramount Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) 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 2017-04-20
Company: American Credit Acceptance, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have sent this company multiple communications regarding an account that was opened in my family fraudulently. As of today they still have not resolved the issue and everything I call I get the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the covid pandemic I was on the forebearance program where I did not have to make payments. Prior to my foreberance period closing I sent a mortgage payment in via check for the month immediately after the forebearance period ended. I also came into some extra money and after I sent in payment I sent in a payment for {$10000.00} to go towards my principle. I logged into my account and noticed that the payments were received but they were not applied correctly. On XX/XX/22 I spoke to a representative on the phone her email was XXXX and she gave me tracking # XXXX Since XXXX I have been trying to have this rectified. I have sent several emails to LoanDepot and Spoken to them most recently a rep told me that I was past the time to have payments applied. I have been shut out of my account since XXXX and have not been able to make online payments nor have the issues I presented been addressed. I have sent the following emails below on several occassions. 

To whom it may concern, I am following up to our phone call. I wanted to send a recap of the issues I need resolved on my account. 

1. First Forbearance, when I logged into my account it said that I am 60 Days past due but in my letter it states that forbearance ended XX/XX/22 so that means my first payment wouldve been XXXX. I do not want it to show that I am behind on my credit. 

2. I also emailed on XX/XX/22 to have my forbearance payments moved to the maturity of the loan. 

3. I sent in multiple payments and they werent applied right. On XX/XX/22 you received a {$2200.00} payment that should have been applied to XXXX Mortgage Payment. I also had a {$10000.00} payment sent in on XX/XX/22 that should have been applied to the principal but it shows status UNAPPLIED. 

4. I have a notice in my account that says my payments are going up on XX/XX/22 by {$470.00} can you verify that this is not a permanent increase and if you can let me know how long I will need to make these additional payments. 

Thank you in advance for all of your assistance with this Matter. 


Looking forward to your kind reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hello, I used a Citi issued prepaid card at a Citi ATM at the Citibank located at XXXX in XXXX, IL. 

I needed {$1800.00}, however, I did not know the daily limits on my card. I requested a {$1000.00} and the transaction went through. Then I requested {$800.00}. That transaction went through as well. I received XXXX receipts for {$800.00} and {$1000.00} debits to my prepaid card balance. I started counting the money to realize that I only got {$500.00} each time. Citi shorted me {$500.00} for the first transaction and {$300.00} for the second. I took the XXXX stacks of bills and the receipts and immediately went into the branch. They refused to review my transactions, did not count the money I got, and told me to call the number on the back of the card. This is a Citi card! They did not attempt to balance the ATM either. They said the Citi card I had is not issued by the retail side of Citi, and they do not service the drive-through ATMs - which are physically under one roof with them. That is serviced by yet another 3rd party. They called the prepaid card to see if indeed they debited the {$1800.00} as was stated on the receipts and confirmed that they did! At that point I am talking to an assistant branch manager and the branch manager who clearly do not want to do anything. They did not file a report, count the cash. They did nothing. The assistant branch manager pulled out a couple of binders and tried to read some procedure, then she just closed the binder. 

The branch manager also stated that I claim ( claim!!! ) that I gotten {$500.00} each time. The transactions happened minutes before this conversation. I offered for them to search me and my car as there was no time to have hidden the money anywhere else. 

No one apologized even once! They treated me like it was my fault, especially the manager himself. No one once assured me not to worry and that they have means to reconcile these transactions. Not once! 

I called the number on the back of the card. They indicated that they will provide me with the dispute form and they expect to be able to find the money, however, the process will take 45-60 days. What if I need the funds sooner? Now? There was no  concern about any potential hardship for me. It was an unbelievable experience.

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 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I HAVE DISPUTED WIT H TRANS UNION OV ER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS  XXXX   XXXX   XXXX ,   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  ,  XXXX ,  XXXX  I DO NOT RECOGNIZE THESE INQUIRES AND  TRANS UNION S TATES THEY VERIFIED THESE INQUIRES AND I KNOW THEY DIDNT BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRES

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 2020-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

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