BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have credit monitoring and the Credit Bureau 's notified me of a new account on my report. When I went to verify what it was it is showing a new collection. I am not aware of this and when I review the details it stated a date from XXXX. I have no information about this. No one has contacted me either by phone or mail. This acct was placed on my credit report without proper verification and no communication. I called the Collection agency myself and advised why would you place something on my credit report without contacting me and giving me the opportunity to investigate properly or if this was even mine, they had no answer. This is very disturbing. Your assistance with this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Ditech Financial LLC
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have debt for a company regarding services I have never received. The company claims I had medical services in Arizona in which I have not had any medical services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Fedloan Help
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In late  XXXX  or early  XXXX   XXXX  I called the Fedloan He lp, Inc. It  was advertised on the radio FM  XXXX  in Delaware. It was to help you with getting lower payments on your student loan. On  XXXX / XXXX / XXXX  Fedloan Help,  Inc beg an to deduct {$38.00} from my account every month on the  XXXX . On  XXXX / XXXX / XXXX   XXXX   XXXX  loan of which my student loans are with called and informed me that no payments were made toward my student loan by Fedloan He lp , Inc. I was to ld they are a third party company and not affiliated with  XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-01-16
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Hillcrest Davidson & Associates
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a security alarm account with XXXX XXXX that was sent to collections XX/XX/XXXX. The last bill I received from XXXX XXXX was XX/XX/XXXX and states that I owe {$210.00}. In XX/XX/XXXX I received a bill from Hillcrest Davidson stating that I owe {$430.00}. I called XXXX XXXX and asked them how much I owe them. I spoke with XXXX customer service reps and they both told me that I owe {$210.00}. I asked them why was the collections agency charging me {$430.00}. I was told by XXXX reps on two different occasions that the collections agency was charging me fees. I filed a complaint with the XXXX because this means that Hillcrest Davidson is charging me {$210.00} for fees. Harrison Davidson responded to my complaint and said that XXXX XXXX added fees to the account. I responded by telling them that XXXX XXXX told me that Hillcrest Davidson added the fees not them. I 'm still waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: National Credit Adjusters, LLC
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
A company called National Credit Adjusters called my wife and left a message for me to call them back I was to call XXXX at XXXX. I returned the call, she said I owed about XXXX dollars for a XXXX XXXX pay day loan from 2013. I said I do not remember this and have not seen it on my credit report. She tried to talk to me about filing a police report. I asked them to send me the source documents, I asked for any history, contract anything they had, she said ok and put me on hold. Then a man answered who was loud, rude and bullying, he was asking personal questions and refused to agree to send me the source documentation or history. I was nervous because they knew so much of my personal information, he even went as far to ask if I was married and accuse my wife of taking out a loan and not telling me ( I wasnt married at the time of this supposed loan ). I asked to speak to a supervisor several times, he kept saying ok but continuing to ask me questions and would not agree to send me the history of the account. I wanted the history of the account, so I can see for myself what it is and research it. They kept asking if I was claiming fraud, I said I did was not because I need to see the documents and review them before I decide if it is something I did or paid or what it was in regards too. Finally they transferred me to a supervisor, he said he was the floor supervisor. He was polite and apologized at first for the other individuals comments. Then he started asking me very personal questions and I refused to answer. I gave them my updated address and asked for the source documents again, they claimed they did not know what I meant. I specifically asked for any history, contracts, original creditor info or anything they had, they said they would file it as fraud and kept asking if I was claiming fraud and what my bank account number was. I just kept asking to please send me the information. Then he said he was going to sue me, I said go for it, he said now I have you recorded saying to sue you, I said if that is what it takes to see the documentation then ya sue me. I also informed them I was military, the man then said he was a XXXX XXXX ( was obviously lying ) and said I would be in trouble with the XXXX for this. I am nervous about how much they know about me, they new my family members, old addresses, and the banking institution I use. They were defiantly harassing and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched over from XXXX to XXXX cell phone service due to XXXX having a promotion that they would pay " your last month 's bill '' with your current cell phone carrier. 

I was told in the XXXX store that XXXX did indeed pay my last bill. XXXX is saying that the account had to charged off and they had no record of XXXX paying my last bill. Now this is in collections and showing negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: LD Holdings Group, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Diversified Consultants, Inc.
State: CA
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 HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Regular biweekly deposits started appearing in our checking account at the end of last year. Neither my mother nor I knew why these deposits were being made, nor by whom. When the bank was contacted, they said they would try to find the source of the deposits as the only information available on our statements was " XXXX BIWEEKLY [ and the last XXXX of my mother 's SS # ]. '' The bank never contacted us. We called and made the request again. Again, no one got back to us. The third time I contacted the bank I was told that the only information they knew was that it was being transferred by ACH, and that XXXX XXXX XXXX was the clearing house. They say there is no way for them to determine who is sending the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: ERC
State: NY
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:
A collection account from XXXX XXXX has been placed on my credit report erroneously. This account does not belong to me and I have been disputing the account for several weeks to no avail. The debt is being handled by Enhanced Recovery Company , LLC which has repeatedly provided me with incorrect information in regards to the steps to take to get the incorrect information removed from my credit report and they have not been helpful during this entire process. At this point my credit score has been affected as this incorrect information remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
What have a house with a loan from Citimortgage. We refinanced this loan with Citi three years ago and now have a principal balance of {$130000.00}. During the time of obtaining the loan, Citimortage obtained a very, very low appraisal on the house so after three years we had the house appraised recently at {$180000.00}. With this new appraisal we went back to Citimortage to request PMI removal. Citimortgage sent us a document stating we had to mail them back an official document and pay {$300.00} for an appraisal ... nothing else. The appraisal came back recently at {$170000.00} and based upon this corrected value the LTV rate is 77 %. Upon talking to Citi today, they stated they will not remove the PMI as they are going off the original appraisal value which is not correct. Most lenders recognize that there 's little point in requiring PMI after it 's clear that we as homeowners are making our mortgage payments on time and that you have enough equity in your property to cover the loan if the lender has to foreclose ... which of course we do. At this point Citimortage is holding up the process on purpose against the 1998 Protection act and laws at hand. If we do n't get resolve using the CFPB we will take Citi to court as this is nuts. Appreciate whatever help you are able to offer. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation