BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-02
Company: Springer Collections Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America failed to notify me in a timely manner that they sold my loan to another company. Bank of America sent me a letter dated XXXX XXXX, 2015 that the servicing of my home loan will transfer. The letter was not postmarked and did not arrive until within 10 days of the XXXX XXXX transfer date. Did Bank of America backdate the letter? Why was my notice not delivered to me with at least 15 days. Was there a delay between printing of the letter and mailing of the letter? If the letter was mailed on XXXX XXXX from XXXX XXXX, XXXX to XXXX and took three business days I would not have received the letter until the earliest date XXXX XXXX. Is n't Bank of America required to notify me at least 15 days in advance. That did not happen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Credit Management Control, Inc.
State: TX
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:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Credit Management Control. Credit Management Control does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they should remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made them aware of this by sending the a Creditors Validation Letter to respond back to me and show proof they are in perfect standing with the State of Texas Debt Collection Law. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Credit Management Control is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another XXXX to remove them from my credit report please. Also, they are reporting that this debt was open in XX/XX/XXXX in which the account was open XX/XX/XXXX they are re-aging this debt which is against the FDCPA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Received a judgment in the mail from Cavalry Investment LLC no knowledge of debt. Judgement was filed in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: LENDER LIVE
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate.

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: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a bi weekly mortgage payment with quicken loans which began XXXX XXXX 2016 when I went on line to check to see that the payment was applied I noticed that as of XXXX/XXXX/2016 they had put the payment into suspense. When I inquired about it they told me that the payment would be applied on XXXX XXXX, 2016. I believe this is against the law as the payment should be applied effective to the date received. My call was forwarded to a XXXX XXXX at the executive office who initially informed me that this was disclosed to me, I said it was not, she subsequently rescinded that statement. I ask that the CFPB begin a regulatory inquiry into this matter, if people are paying on a bi weekly basis there payments should be applied that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calvary Portfolio is continuing to reporting an account which was paid & supposed to be removed..They claim it was settled but when I discussed the paying the account they said it would be deleted. The rep said it was called a paid for delete. I 'd like this item removed per the agreement ... They are not honoring the agreement & it is impacting my ability to get a loan ... I need it removed at once ... Additionally, I was informed they would be sending me a letter but I still have not received anything ... I think this is some form of bait & switch ... The account is damaging my credit. Please remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I am a XXXX. Bought a home in XXXX, and have NEVER been late with a mortage payment in 20 years. I called Ditech ( the current bank who holds my loan, since it has been sold to XXXX different banks in the last few years ) to request the {$5000.00} " XXXX '' incentive and to discuss refinancing my loan on XXXX/XXXX/XXXX. Since then, I have called on several occasions ( too many to list here ) to see where I was in the process. Ditech has given me the run around, sent more paperwork for me to fill out, placed me on hold incessently, transfers me to other agents, and I NEVER receive an answer. During XXXX conversation with a male agent, on XXXX/XXXX/XXXX, the agent told me they were holding the {$5000.00} incentive, and instead would give me that performance incentive as well as another {$5000.00} XXXX XXXX incentive next year in XXXX. I knew that was not part of the incentive program, and not true, and they were just putting me off once again. After five months, I still have not received conformation that I will receive the " XXXX '' incentive of {$5000.00}. 
What is a consumer such as myself supposed to do? The time is almost up for the program, and after 20 years of faithfully paying my mortage on time, Ditech has effectively put my request on hold until they can say, " too late ''. I have done everything they have asked of me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2013 when I first went in to get information about XXXX University & decided to signup due to the information that was provided to me at the time from the school itself, the admission counselor completely mislead me into believing that they offered student loan help and assured me that based on my income at the time which was none, I would not have to pay any loans because I supposedly was able to qualify due to my financial status in that moment. Sometime after graduating I started to notice on my credit report that I owned over $ XXXX in student loans for an XXXX XXXX XXXX of XXXX  years in XXXX XXXX XXXX for which I was completely manipulated & groomed by the counselor to not dropout the school & to get into their XXXX XXXX  due to the fact that I wanted out so they suggested I just had to change to a different program. I was completely misinformed & gaslighted into the program. My credit report shows many inconsistencies for all off the loans that the school signed me up for. At this time I've been trying to fight for years to get these student loans removed from my credit due to the misinformation that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Security Credit Services, LLC
State: SC
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:
original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My bank is USAA. Over the years they continuously raised my available credit limit on my personal credit card without asking me and they did so while the card was maxed out or close to it. But since I was able to make the minimum payments, they kept raising my limit. I remember reading that XXXX XXXX XXXX got big fines for doing the same thing to small business. This seems illegal and predatory lending. What started as a {$2500.00} limit eventually became {$16000.00} and I never asked for credit increases. 
Then I got the flu for 2 weeks simultaneous with a pay cut and then fell behind on payments. I contacted the Member Assistance dept and asked for lower payments ( {$350.00} was became too much for me ) but they said no. All they offered was 'Pay us XXXX % of the total and we 'll close the account '. Now they have charged off the card, ruined my credit and made hard for me to get a job or apartment. I am an XXXX XXXX veteran that got suckered into this credit situation by a bank that advertises that it treats the military community special. It 's just predatory affinity marketing similar to the Rent-To-Own and XXXX places just outside the gates of military bases. They sold my debt to a collection firm after tacking on about {$2000.00} more in interest for an {$18000.00} total. Over the years I paid around {$17000.00} in interest. Crooks. plain and simple. XXXX would have knocked their booth over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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:
I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you because I am at my wits end. Attached is a letter I wrote to XXXX to try and resolve this without going to your organization, and they aggressively told me to pound sand. All of the salient facts in the matter are included in the letter, so please review. I think that companies reporting to the credit bureaus are unscrupulous and unfair. This account has been held by many creditors. First XXXX, then Global Payments, then Cavalry, now XXXX, XXXX, and XXXX, a law firm here in XXXX. I believe what they are doing to me is unethical at best and unlawful at worst. They keep reporting my debt as a new one yet the last time a XXXX was used by myself or my family was at least 8 years ago. How can they legally do this? I am contesting the validity of this debt. My problems began with XXXX. I attempted to close the account in 2006 and they refused to allow me to do so until I committed to a payment plan. In retrospect, I should have terminated all contact with them right then and there, but as is my want, I attempted to appease them. I believe they charged the account off that year and then sold it to the next firm, who sold it to the next, and the next. How long can they continue to report this debt to my credit report? As you can see in my letter to XXXX, I believe strongly that they have been keeping this debt alive as a methodology to scare me into settling a debt that I dispute. Please investigate to see how many of the charges they claim are actually usury interest rates and late fees. I can assure you that this is the lions share of the debt. It is predatory and deceitful. I am hoping that you have enough information to get resolution on my behalf. Thank you in advance for your efforts to rectify this matter! You are my last resort!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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 was told I would need to pay my loan on XXXX although the date due was a XXXX. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Hello, I reached out to I.Q. Data International , Inc. ( also know as, Rent Collect Global ) to settle an unpaid balance that I owed. After dealing with one person on XXXX, and a rude associate today on XXXX, I finally spoke to the operations director. Due to my financial constraints, I am not able to make the full payment of {$5400.00} at this time. I requested to set up payments, and they denied that saying that I need to find another way to pay the debit in full. They recommended taking out a personal loan with XXXX XXXX XXXX. I went online to apply, and was denied the loan. I called them back to tell them the results, and they said they could n't help me. They made me feel bad that I did n't have other means to pay this in full ; i.e. a credit card, a family/friend, or 401K. They said they would be taking further actions to collect on this debt and that they are reporting this to be credit bureaus, which would affect my credit score. When I asked what the further actions would be taken, they said they did n't know or could n't tell me. I asked to speak to someone that could tell me, and they said there was no one there that could tell me. I asked for another solution and they said there was n't one. To be clear, I ended the conversation saying that I am acknowledging the debt that I owe, I am voluntarily reaching out to you to make good on this debt, I am trying to set up payments to repay the debt, and you are denying me the right to make good and further going to tarnish my credit score. They said correct, and wished me the best of luck. I 've never dealt with anyone in my XXXX years of life that would n't take payments to settle a debt. Its unfair, and not the American way to further ruin my credit when I am trying to make good on a debt. These conversations are all recorded per their policy and can be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation