BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from a phone number that showed on the caller id as XXXX XXXX XXXX XXXX XXXX Hospital today around XXXX XXXX CST XXXX. The lady had to look up my name to see why they called me. She told me that I had a debt from ACE Cash Express from XX/XX/2011 and that they have me on Video Surveillance Cashing a check. She said that a recent NCIS check found that I had no criminal history and that this would change if I didn't pay the debt. I asked her why her phone number said XXXX XXXX. She said that maybe XXXX XXXX previously had that number. I told her that I wanted to call ACE myself to verify and she urged me not to do that because I wouldn't get the chance to pay if I didn't do it right now. I continued to question her and she got even more aggressive. I then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a service member in the United States XXXX when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days. <P/>Termination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 ) Military persons who live in rental  property are allowed to terminate leases entered into prior to a period of active service. It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm use, or other similar purpose, where the person leasing the property later enters active duty in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a permanent change of duty station ( PCS ) or to deploy with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent. <P/>In XXXX 2014, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises. <P/>To this date, there is a collections account on my credit report for {$3300.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere! I have attempted numerous times for the past 2.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service members!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2016-05-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..

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 2022-02-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX to XXXX, XXXX and Equifax. I did get a response stating that the account was deleted. I disputed this account and duplicate account on XX/XX/XXXX and still did not get a response. I also asked for this account to be reinvestigated within 30 days. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previously deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capio Partners has violated my federally protected rights under 15 U.S.C.1692g. Per my consumer reports, this debt collector opened a collection account on XX/XX/2022 in the amount of {$1000.00}. I DID NOT receive a XXXX Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within 30 days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19
Company: Thaxton Investment Corporation
State: IL
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:
I have another complaint against this XXXX  company Heights Finance with you XXXX after they lied  to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once debt was paid old XXXX agreed to remove off my report please see attachment.

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 2020-04-21
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all my accounts with XXXX XXXX that were reported to Financial Recoveries for collection I ask them close all the accounts on my credit report. All of the checks cleared the bank of XX/XX/2020 yet the accounts are still listed as open on my credit report 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 non-monetary relief
Consumer complaint received 2015-11-13
Company: Avant Credit Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for and was approved for a loan with Avant Credit on or around XXXX of 2014. At time of approval, the interest rate/terms were not disclosed, nothing was signed on paper. Ive been making timely payments via their website and just noticed their interest rate of 35.9 % is unusually high. Because of this high rate, the payments I 've made thus far do not even reflect on balance owed, they go towards interest. Had I known about this prior, I would not have agreed to supposed terms, which were not disclosed at the time. This high interest rate is illegal in opinion and should be lowered. Please advise Avant Credit they need to lower my rate ASAP if they wish to continue seeing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i XXXX XXXX XXXX li8ke to make a complain against freedom mortgage because they are trying to take my home to sale while i send in a loan modification package in XXXX XXXX 2016 and they said they did not received so i talked to them and they said my home is going to sale anyways and i had send the package two times

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 2022-06-19
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I submitted a request to transfer money out of my First Tech Credit Union checking account to an external account. On XX/XX/2022, the bank canceled the transfer, froze my account, and indicated that it is under review. I have not heard anything from XXXX, and telephone representatives have been unable to assist.

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 2022-06-19
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were forced into bankruptcy because of COVID. I tried to work withour original lender but they were no help. Bankruptcy payments have been made and I have also made several double payments. My loan has now been sold to Mr. Cooper and none of the ( 1 ) payments from the bankruptcy trustee, or ( 2 ) the extra payments I have made, have been applied to the account. I just received a notification that I still for a XX/XX/2021 payment. 

Before the loan was sold, XXXX XXXX XXXX held approximately {$30000.00} in unapplied funds. I don't even know if my escrow payments are being paid to escrow. I would like my payments to be properly applied to my account, or I will have to hire an attorney to prosecute them as acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed many times with different credit reporting agency but still they have not taken it off it is not mine, i was homeless for a long time and just getting a place and need my good credit back. because of this an other issues my credit is so low and hard to make way please take it off.

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 2022-06-19
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.

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 2022-02-23
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A like 6years ago my purse whent missing along with my cards Bank cards cell phone and important paper work I.D and social security card ever seens then someone has been using my Identity for credit cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for credit card for XXXX dollars it's been there for a while it's effecting my credit and I can't buy a home or buy a car because of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Stonebridge Lending Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Received a mailer with bogus information and quite illegal according to required state guidelines.

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