BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: GOLD KEY CREDIT, INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!

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 2021-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX paid off my XXXX XXXX XXXX. 
XXXX XXXX XXXX still shows open account in Equifax XXXX Disputed with Equifax. Equifax rejected my dispute said it was accurate. 
XXXX disputed with Equifax XXXX Sent Equifax copy of XXXX XXXX records showing account paid off, sent copy of letter from XXXX XXXX saying all is clear, sent copy of County Recorder record showing documents recorded. 
XXXX Equifax closed dispute. No change on my credit report. Unable to open XXXX  with explanation of dispute resolution. The Equifax XXXX  won't open because apparently it is corrupted with virus. I have made several calls to Equifax during this time but phone people are very nice but very limited. 
XXXX XXXX XXXX months after payoff ; account still shows open, can't read the dispute resolution because it won't open I ask if they could put up a new explanation free of virus and they said they can't, can't accomplish anything on the phone, can't make another dispute because their process has me blocked from making another dispute. This is not hurting my credit because i have an XXXX but it certainly exposes the frailties of their system. I know in a large operation you can't be perfect, but the true up process needs to work. All I want it to make my account accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Using a debit or ATM card

Complaint:
I am a rush can d prepaid debit card member. I have been effected like many others. But this has been a month that they have not be able to get my account correct. I have gotten my lights cut off, gas, had to pay late fees on my rent due to not being able to access my funds to pay my bills. This has been stressful, upsetting. I need results from this company. I live pay check to pay check I 'm not rich.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: WELLS FARGO & COMPANY
State: KS
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:
In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire XXXX XXXX XXXX! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.

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 2016-06-07
Company: SQUARETWO FINANCIAL CORPORATION
State: NC
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:
CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A letter was sent asking for the proof of accuracy for information on my credit profile XX/XX/2020. A 609 letter was sent asking for an investigation into the accuracy of my address, name, social security number, and a late payment on my credit profile. A notarized copy of my drivers license and social security was sent along as well with the 609 letter for verification purposes. It was asked for my profile to be corrected and updated within the 30 day window allowed by the Section 611 of the FCRA as well as the accuracy of the late payment verified, but this request was not honored.

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 2016-09-30
Company: ACS Education Services
State: IL
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 am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was approved for a Loan Modification fixed rate for ear term, effective XX/XX/XXXX. My pmt changes monthly and their web portal says I have an ARM that will change XX/XX/XXXX. I sent in a message with a copy of the Loan Mod asking for the correction and why I was being charged monthly for foreclosure fees. They replied it is an ARM with a change date of XX/XX/XXXX. Never answered my other question or looked at the Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have try to communicate with the department in-charge of my complaint but they cant provide any information back to me. I tried calling, emailing but no success yet and its been 3 months already. 

My complain is the following : To Whom it may concern, I sold my property back in XX/XX/2020 and both the cardinal  and title agency sent a check to pay the property taxes and at the end the tax collector processed the title agency check. 

I called the Tax Collector here in XXXX County and the tax refund was sent to cardinal financial ( XXXX XXXX  XXXX ) My request is to send me the check of the taxes to my new address XXXX XXXX XXXX XXXX FL XXXX or wire transfer to my XXXX account. 

Property information XXXX XXXX XXXX XXXX, XXXX, FL XXXX Cardinal Financial Loan : XXXX If you contact the XXXX County Tax Collector, they can provide you with the details about this process to resolve the issue. 

XXXX County Tax Collector XXXX : XXXX XXXX XXXX I look forward to hearing from you soon. 


Thank you in advance, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: BlueChip Financial
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan from Spot Loan a few months ago and then lost my job, so ca n't make the monthly payments. For the past week I 've had a collection agency call me threatening to put me in jail saying the fact of Spot Loan not being able to ACH payments from my bank means I wrote a hot check. The call today was a lady saying I 'd be served on XX/XX/XXXX by who, I do n't know. I know my rights and they ca n't put me in jail for this. I 'm so tired of the calls that I 'll probably change my phone number.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Home Loan Center, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LENDINGTREE CALL ALL THE TIME TOLD THEM TO STOP AND REMOVE MY NAME.

EMAIL : XXXX will get 4 to 9 emails a day. Told them to remove my email. 

Will start calling at XXXX up till XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was paid off and in good standing. All of a sudden I started receiving collection letters for {$77.00}. 
I contacted the company several times and was told the company was generating letters by mistake. They apologized. Several months have gone by. I attempted to call and speak to manager again the week of XX/XX/XXXX. The number called was XXXX XXXX XXXX. Stated on the letter. Someone answered and I could hear a child in the background. I called the local furniture store where I purchased my item at XXXX XXXX XXXX. I was told the manager was too busy to talk to me even though I think a scam was going on in their company. This account was paid off a year ago. It's not even showing on my credit report. It was supposed to closed. I requested for it to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: HW Holding, Inc
State: CA
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:
I am disputing a negative collection mark on my XXXX  and XXXX credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to Hunter Warfield. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from Hunter Warfield. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX  and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX Dispute Results attached file for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX Veteran and am unable to work. My previous mortgage company was XXXX Mortgage and my loan was sold to Chemical Bank. Prior to this transfer, I stopped my automatic payments and wanted to pay them myself. Since Chemical Bank took over the loan they have attempted on two difference occasions to withdraw monies from my account without my permission as I mentioned I had previously stopped my automatic payments. On the first attempt by Chemical Bank to withdrawal ( unauthorized ), I contacted them and advised that this attempt was without my permission. Then they again attempted to withdraw two payments from account - all after notice and without my permission.

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 monetary relief
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, i have sent multiple letters to both XXXX  and transunion but have not received any responses from them. i am aware that they have 45 days now during the covid 19 pandemic but they are ignoring my requests. The letters were received XXXX and i have the tracking number to prove. That is for second letter indicating that they have not responded to previous letter.

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 2021-02-15
Company: Lending Club Corp
State: AL
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:
Account was charged off in XX/XX/XXXX same account was later charged off again in XX/XX/XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018 I did a consumer credit transaction with Citibank. The total amount of the transaction was for {$3300.00}. Citibank is in violation of 15 usc 1605 ( a ) .A few weeks after the initial transaction I received a bill requesting that a payment be made. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

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 2021-02-15
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX XXXX from GM Financial Leasing. All payments were made on time. At the end of the loan they charged me a {$420.00} termination fee. They have now reported the fee as pass due and it has dropped my credited score 37 points. Just to reiterate all 36 regular payments were made on time, they are reporting me for a fee they would have automatically waived if I had bought or leased another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: UT
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:
The Office of Recovery is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, ORS stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief