BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have received a loan notification : I did not request or apply for this. company gave me complete run around. Total scam. 
Congratulations, XXXX! 
Your loan has been successfully processed! Here 's what you need to know : {$1300.00} will be transferred to your bank account either today or the next business day, depending on cut-off times. 
Banking institutions have their own policies regulating when transferred funds are released to their customers. 
To avoid penalty fees, please make sure funds are available in your account when payments are due. 
Making extra payments toward your principal or paying off your loan early saves you money on interest and lowers the overall cost of your loan. 
You can make additional payments via your online account or by contacting us at XXXX at least three days before your intended payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I am receiving phone calls from ERC from their XXXX phone number as early as XXXX in the morning. I have called them multiple times asking them not to call me that early as it is outside of the XXXX and XXXX time they are legally allowed to call and they say " we do not call before XXXX '' and keep calling me early in the morning. I have proof of their calls before XXXX and would be happy to provide it to your agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-23
Company: Big Picture Loans, LLC
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recieved a XXXX loan from big picture loans. I was told over the phone the intrest would be XXXX and that would be taken as the first payment. However after getting the loan and calling i realized the intrest was over 700 % and that they would continue to take XXXX every two weeks and those payment only satisfied the intrest, not the XXXX i recieved. This was absolutely not explained over the phone to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: FIFTH THIRD FINANCIAL 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: Information belongs to someone else

Complaint:
I have constantly contacted the reporting agency and the creditors.. they have failed to provide any validation of the inquiry but remains on my credit report instead of being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Paradigm Assets, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After JHPDE Finance could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this JHPDE FINANCE account from my credit report. JHPDE was just trying to collect a sum of money I never own them..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around med XXXX I noticed my credit score had dropped a great deal due to a negative report from Southwest Credit. After contacting Southwest Credit i am informed that they are collecting a debt for XXXX and i tell them that i have an acct. with XXXX and it's in good standing. the rep. suggested that i contact t-mobile. After contacting XXXX and informing them of this situation, they confirmed that my acct was current and that there was no debt owed. I've been back and forward with Southwest Credit and XXXX and have no success in resolving this issue while my good mane and credit is wrongfully attacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has an account named XXXX on my credit report twice and I am in no way affiliated with this account. I have requested proof of debt from this company on several occasions and have received no response. I did not receive this and I did not sign for it. I would like this account removed from my credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a final payment to Portfolio Recovery Associates, Llc on XX/XX/2020, via electronic check. My bank has verified that payment was received by them on XX/XX/2020. The company has not updated my account as paid, has reported a late payment to at least one of credit bureaus, and has blocked me from viewing my account details online through their website. I have repeatedly asked, via email, for them to help me with this matter. I have expressed to them that I do not wish to discuss this matter over the phone, and have requested to be contacted via email, but they continue to tell me that they can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was from XXXX, for ~ {$68.00}. 

They sent RPM ( Receivables Performance Management , LLC ) the debt. I settled with them and paid an amount of {$40.00} ( two payments of {$20.00}, ending in XXXX XXXX, 2017 ). 

Now XXXX is trying to collect the remaining amount ( ~ {$28.00} ) through XXXX XXXX XXXX, because RPM did not inform them the account was closed, instead choosing to falsely send the remaining balance back to XXXX despite telling me the account was closed and paid. 

I can not get Windstream to contract RPM, RPM to contact or send verification to XXXX, or anyone to talk to XXXX. 

I have a letter from RPM confirming the debt was paid in full. XXXX will not accept this letter from me, and RPM will not send it to XXXX. 


Attached is the letter from RPM verifying the account was closed in XX/XX/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
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 Equifax sent me the results of the investigation report and stated that the following items were removed. 
Real time solutions acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX However as of today the items have been placed back on my report. I am not asking for a re-investigation I am only asking that they remove the items as they were previously removed and replaced with out notification of the items being reinserted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX  XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX  XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX  XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Please remove these accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

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

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

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

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

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

9. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Windham Professionals, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was told I can qualify into re-financing my loan since I was months in advance in my payments. Wells Fargo Bank N.A . did not allow me to modify my loan nor did they allow me to do a reverse mortgage with Private Bank ... Wells Fargo Bank filed a foreclosure with fraudulent note ... knowing that the endorsement was created by one the attorney XXXX XXXX who works in the firm of XXXX XXXX XXXX, claiming to be vice president of XXXX ( XXXX XXXX Circuit Court No. XXXX ... Wells Fargo Bank N.A . entered into a XXXX XXXX in XXXX & XXXX allowing borrowers to stay in there homes in which I have lived for 32 years. They are not complying to the Consent Order. Illinois Appellate No. XXXX ... in which they stated they do not have to enforce a federal judgment order ... .Illinois Attorney General Office also received my complaint about the XXXX XXXX Judges not willing to enforce the Federal Consent Order ... in which I still have not gotten a complete response, as to why the Courts refuse to enforce .... The loan originated with XXXX which the bank continue to make withdrawals from my account after the note was endorsed and transferred to 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
Consumer complaint received 2021-09-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After Ally Financial Repossession $ XXXX Class Action Settlement I contact Ally Finance to get more information and to ask when they are going to remove this account from my credit report like is stated in the settlement. For my big sorprise even after this settlement and class action lawasuit Ally keept giving me fals, wrong and misleading information. 
First they told me they could not locate my person and their system and I need to contact XXXX XXXX  to get information, they transfer me to XXXX XXXX and get inform that I have no business with XXXX XXXX. I called Ally Financial back and from no where they locate me in their system.

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 2021-09-30
Company: EQUIFAX, INC.
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:
increase of XXXX on my card that i have already made payment, they decreased my fios score by 39 points, unbelieveable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Williams & Fudge, Inc
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a home mortgage loan with Wells Fargo the XXXX part of XXXX for a purchase in XXXX, Ok with escrow to close on XXXX XXXX, 2015. We were told on XXXX XXXX, 2015 that the bank would NOT fund the loan. The bank did not have to courtesy toinform us, we learned of this decision through the escrow company. 
The reason stated for refusing the loan were not accurate but we could not getthe bank to change their minds. To close this deal we had to empty our brokerageaccounts and now can not get a mortgage as a new purchase with the better interest rate. 
Wells Fargo put us in a financially impossible position. To have a lender now it willneed to be a refi and I am being told that I have to wait at least 6 months to even apply and the interest rate has already gone up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, if you look at the attached screen shot of my report, they are saying was late two months and that is true. On XXXX, they are reporting XX/XX/2015 30 days late and on XXXX and XXXX they are reporting XX/XX/2015 30 days late.

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 2015-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Radius Global has been calling me multiple times in a day for the last 2 months, a lot of times they call at XXXX. I have asked them to please stop calling me, but they continue to call starting at XXXX. Also the debt incurred while a was laid off for over a year due to Covid. Also I have health insurance and my credit score went down 60 points because of this. They will not stop calling me. I have disputed several times with XXXX and it might be on my 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
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: NC
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:
I ( natural person ) recently obtained a copy of my consumer report and there is inaccurate information reporting to my consumer report. The original creditor is reporting inaccurate information on my consumer report. According to the FCRA 15 U.S.Code 1681 everything has to be reported accurately to a consumer report and the information that is reporting is not accurate. I am demanding it be deleted from my consumer report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and I am demanding you to! I have attached where the creditor has my information inaccurate. I am the original creditor who provided credit according to 15 U.S.Code 1692a ( 4 ) so theres no need to validate this alleged debt, I am a consumer and a debt is obligated or alleged according to 18 U.S.Code 8. In order for something to be verified on my account it must be investigated according to 15 U.S.Code 1681a ( e ) and you failed to do that

Company response to consumer: Closed with explanation