BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-22
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX 2016 I made an attempt to rent a washer and dryer from a company XXXX XXXX XXXX XXXX recommended by an apartment community manager. The machines were not suitable for use when delivered and the delivery person damaged a wall and floor in my home and as a result I attempted to seek payment for the damages as well as make arrangements to have the machines replaced. The delivery of the replacement machines were delayed several times and ultimately this delay resulted in me cancelling the order and requesting a refund and that the company pick up the machines that had been delivered. When the refund was not immediately returned I filed a complaint with the XXXX on XXXX. After the complaint was filed with the XXXX I received a refund and the machines were removed from the apartment. I received email confirmation from a representative from the Appliance Rental company on XXXX. On XXXX XXXX I received a letter dated XXXX XXXX, 2016 from a collection agency stating this Appliance Rental company had turned over a collection of {$40.00} to them. This debt is a false claim from a company that has decided to retaliate because of the XXXX complaint filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Bankers Auto Acceptance
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.

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 2016-08-06
Company: Receivables Management Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello I am making a complaint about the Receivable Management Corporation located in XXXX, SC. My case worker 's name is XXXX XXXX XXXX ( XXXX name maybe spelled incorrect ). My XXXX XXXX XXXX daughter went to the hospital a few years ago and I never received the bill or a phone call about a bill after it was processed by my insurance company ( BCBS ). I later found out that the bills where going to my ex-wife 's address which I have never lived. After processing the remaining balance was {$1100.00}. My contact number has been the same since I joined in the armed services back in 2005 and I have never received one call from " XXXX XXXX XXXX. '' The only way I figured out this existed and was already in collections was by checking my credit report after being advised by an apartment leasing agent. The debt is now paid and could have been paid very long time ago if I had only been notified of it 's existence. I asked XXXX XXXX since I was never notified if she would remove this from my report ( given that I was never notified of the situation in the first place ) and she said no because it could n't be. Later, I found out that was a lie. My phone also records all conversations. 
In conclusion, it is not fair that I have to live with this being on my credit history since I knew nothing about it. They already have the money. I only want this harmful statment removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have written and mailed letters to dispute inaccurate information on my report for several months recently and have not received responses from any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 bought a car from XXXX XXXX that was an XXXX XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CONTRACT CALLERS INC
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 resulted from identity theft

Complaint:
XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX. 
Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long?

Company response to consumer: Closed
Consumer complaint received 2016-05-24
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again. 

I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me. 

This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.

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 2015-05-28
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
the legal dept at lobell is rude the talk over you when asked for certain information and try to work with them they wont they tack on all sorts of interest and fees and my auto loan is charged off they threaten law suits originally my engine went out i was having a hard time as my husband lost his job and i was pregnant i asked for them to put XXXX payments to the rear to allow me to get the car fixed the lady asked for proof so i had my mechanic at the shop fax her proof that the engine needed to be repaired next thing i knew my mechanic called and advised they were there to pick up the car and was trying to pay him i called the lady and she advised i could get the car back but after paying my past due and all there towing fees not to mention they served my sister with court papers at my mother address she advised the officer i didnt live there but he said to give them to me at the time i wasnt even speaking with my family and wasnt aware of the court docs i advised lobell that how can they judgement be accurate if they didnt even serve me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX I received a letter from Capital Accounts claiming that I owe them {$190.00}. A month later I received another letter this time claiming that I owe {$190.00}. On XX/XX/XXXX, I mailed a certified letter to Capital Accounts information them that I am disputing the so call debt and that I am requesting validation of this debt and to delete and stop reporting false information to the XXXX credit bureaus. 

I was expecting to receive a letter within the 30 day window granted to me by the Fair Debt Collection Practices Act. Instead I received an undated one-line note, ( I believe the date was left out on purpose, unscrupulous behavior ) after the 30 day expiration. The one line note that I received from Capital Accounts is now claiming that I owe {$130.00} and enclosed within the one-line note is a statement ledger from XXXX aka in my case XXXX Again I do not owe any of these companies. XXXX was our family dentist, ( who we no longer affiliate with, due to unethical business practices ) was paid in full on XX/XX/2016 and therefore I do not owe them. 

On XX/XX/XXXX I mailed a second request to Capital Accounts requesting validation of this so call debt that I owe to Capital Accounts. Again my request was ignored because today I received in the mail another undated ( unscrupulous behavior again ) one-line note this time claiming that I owe {$130.00}. 

I have yet to received any debt validation from Capital Accounts showing that I owe Capital Accounts ( not a second or third party ) and how they calculate what they claim that I owe. I have never done any business with Capital Accounts and nor do I intend to do business with this company. I DO NOT OWE ANY MONIES TO CAPITAL ACCOUNTS OR ITS AFFILIATES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies to follow ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account XXXX On XXXX/XXXX/2015 I advised Amex in my letter ( copy attached ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Lending Club Corp
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation