BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, a Deficiency Notice request regarding account # XXXX was sent to Bridgecrest Acceptance Corporation pursuant to the laws of the State of Arizona UCC Article 9 State RISA and MVISA statutes. As the attached correspondence confirms, the vehicle was sold in XX/XX/XXXX ; however, I NEVER received any form of notification as required by law. Since Bridgecrest failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle within 14 days upon receipt of the request, I disputed the account with the credit bureaus in XX/XX/XXXX and asked for it to be deleted. My request to have the account deleted was not granted despite the law being violated. 

Because the time allotted by the statute to produce proof of the alleged deficiency has expired, rights to a deficiency is waived under UCC Article 9-616. I once again request to have account # XXXX deleted immediately from all credit reports for XXXX XXXX and XXXX XXXX for the reasons stated. I also ask for all derogatory remarks to be removed from ALL credit reports.

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 2016-05-31
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We were sent items for an XXXX machine that were incorrect and do not fit the machine. We purchased the XXXX from XXXX and when I called to order a replacement hose, nose pillows, filters and face mask I made sure they were aware of the new machine ( which they sold to us ) and requested only those items. When I received the package from XXXX it not only contained all items for the old machine but also items I did not order. I immediately called and explained the problem and was told the correct items would be sent along with a return postage box for the incorrect items. Later that day I received a telephone message stating it would not be cost effective for XXXX to send the paid postage for the items to be returned. In the meantime they billed by insurance company for all of the wrong items as well as the items we did not order and received {$230.00} from them and while they did send the correct filters and pillows we never received the correct hose. The machine we have now requires a non-heated hose and the one they sent and are billing us for is heated and will not work with our machine. I have explained this repeatedly and also asked that they reimburse our insurance company the amount fraudulently billed and to either send a postage paid box for the items that do not work and credit us for those, Instead it has been in collection for months with harassing calls and letters to us. Our time, costs and emotional and physical torment is adding up and we need this to be handled correctly and we need to be paid for our time, expense and torment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 you provided a payoff on this account good through XX/XX/2020. The account was paid in full on or around XX/XX/2020 by the new lender, XXXX XXXX. The payoff included interest to XX/XX/2020 in the amount of {$1300.00}. 

On XX/XX/2020 I called and asked to have auto-pay cancelled so the payment due XX/XX/2020 would not be drafted at the instruction of my new lender. 

On XX/XX/2020 you drafted the payment due XX/XX/2020 in the amount of {$1800.00} despite my revoked authorization to do so. 

On XX/XX/2020 I called and was told the account was drafted in error and the payment would be immediately returned. 

On XX/XX/2020 I still had not received the drafted payment refund so I called again to inquire. 
First, I was told that I would receive two checks. The first was an escrow overage in the amount of {$1600.00}. The second check in the amount of {$1300.00} would be for the principal portion of the payment drafted on XX/XX/2020. When I asked about the difference from the amount drafted ( {$1800.00} ) and the second refund check ( {$1300.00} ), I was told the difference was applied to the escrow balance and that amount was included in the escrow refund check ( {$1600.00} ). 
When I asked for more clarification on this, including the escrow balance previous to the XX/XX/2020 payment, I was put on hold and the representative spoke to a supervisor in the escrow area. I was then told that the unapplied disbursement check in the amount of {$1300.00} was for a payoff overage and was not related to the payment drafted on XX/XX/2020. The representative informed me that the payoff we were provided on XX/XX/2020 was based upon the assumption I would make the XX/XX/2020 payment. 
I informed the representative that the payoff included interest to XX/XX/2020, in the amount of {$1300.00}, and that the per diem amount shown on the payoff is {$25.00}. This would equal 52 days of interest, which would make the XX/XX/2020 payment unnecessary as it was already included in the payoff. Additionally, I reminded the representative that the XX/XX/2020 draft was unauthorized and that on XX/XX/2020 I was promised a full and immediate refund. 
At that time the representative informed me that because the loan was closed he did not have access to all the information he needed to assist me with my requests. He referred me to this email address for more information. 

At this time, I request that you refund the payment drafted on XX/XX/2020 in the amount of {$1800.00}. I also request a 12 month payment history, an escrow detail for the past 12 months, and the amount and date the payoff was received, the amount and date the payoff was applied, and an accounting of how the payoff funds were applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AES/PHEAA
State: MD
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:
Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I informed all three bureaus that I was challenging the accuracy, compliance and reportability of an alleged bankruptcy. All three bureaus told me that they verified that information. I then sent a second letter to each bureau requesting the description of the procedure used to determine the accuracy and completeness of this information and a copy of any documents bearing my signature that would prove any validity to their claims. I also informed them that an XXXX verification is unacceptable and requested a reinvestigation and the Method of Verification. 
I notified them that failure to do so within 30 days would result in legal action being taken. None have removed it and I have received letters again stating that they verified the information with XXXX. So XXXX is illegally furnishing them with inaccurate and unreportable information and all three bureaus are in clear violation of the law by failing to comply with my requests to remove this defaming information, negligently enabling identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding Inc called me in XXXX 2016 regarding a supposed debt they purchased from XXXX Back/ XXXX XXXX. I requested that Midland Funding Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In colorado I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court Midland Funding Inc. XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for Midland. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for Midland and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland Funding called me attempting to collect a debt they say I owe. I tried to convince the lady they have the wrong person but she ignored me completely acting as if I 'm lying.. I finally hung up because she kept asking for my social security number and phone number. I told her since they called me she should already have my information. I figured it was a bogus phone call but then today I was notified they placed a Collection on my Credit report. I ca n't understand how companies can do this with NO proof of any kind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX  XXXX # XXXX is being incorrectly report as late for the past 8 months.

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 2016-04-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.

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 2022-10-15
Company: Farm Bureau Finance Company
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received a letter from Idaho Farm Bureau Financial Services addressed to me with my parents mailing address saying that my application for a loan was denied to purchase something from an XXXX XXXX XXXX  dealer. On the letter it says theyve pulled my credit report and looked at my financials. I have not tried to get a loan and do not use this dealer. The dealer is XXXX hours from my home and I never use Farm Burea Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: IN
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:
Currently there is a closed account reporting on my credit file with XXXX XXXX XXXX partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being 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 2017-01-18
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WOW ... still no official response from BBVA. Tried contacting them today and was placed on hold for more than 4 hours total. Was told that accounts were closed and money was on way. When I questioned it with later rep was told that was not the case. 

Was told my only options were to call earlier or visit a branch. Requested a supervisor and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield is attempting to collect a debt ( {$360.00} ) on behalf of XXXX XXXX XXXX but refuses to provide validation of the debt. I initially requested the information orally. I asked the staff to stop contacting me because they were abusive and would never supply the documentation, yet said they would. In 2021, I began requesting debt validation in writing ( XXXX and XXXX, 2021 ). They have supplied two letters- ( 1 ) one letter stating they are attempting the collect a debt with the amount listed and ( 2 ) another letter stating the debt and a offered with reduced amount to settle the balance. Hunter Warfield sent a letter dated XX/XX/2021 stating their " records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests ''. I have not received any debt verification despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
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:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had on XXXX XXXX 2014, paid to this company all medical bills that they had on file. I also went to XXXX XXXX and paid off all debt that they have had for me. This was over 3000 dollars and they told me that I did not owe them anything else. I have recently received phone calls and was very rudely told that I could not receive a statement. I asked for a statement in paper in XXXX for taxes. They did not send it. Instead they offered an over the phone statement. Now they are saying they sent a paper one and that if I wanted to know if I owed it I should look at the statement I was " given '' in XXXX. They have been reporting this debt to my creditor and I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX 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 2020-04-02
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Knight Adjustment Bureaus added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For 3 years this company has been ( robot ) calling me for a minimum of 4 times a day. They are trying to contact a person   who once lived at my residence. On at least 4 times I have told them that I am not financially responsible for this person, this person is no longer living with at this residence, is deceased, and I am not the administrator/executor of his estate.
Are collectors usually are prohibited from contacting third parties more t  han once?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Capital Link Management, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company both calls a number no longer mine but a friend uses and shes told them to stop calling as well as myself. Calls continue to both numbers despite requests

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