BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX

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 2019-12-06
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not been able to pay my mortgage for 7 months. I closed my business XXXX XXXX, 2019 because I could no longer make ends meet. I am XXXX yrs.old and living on social security only right now. 
I wanted to put my house on the the market back in XXXX or XXXX, but XXXX XXXX and XXXX at Pinnacle Bank said I could not do that til I paid the payments I was behind on. I believed them, but found out in XXXX that that was false information. Now the house is due to go to auction XX/XX/ 2019. I would like time to sell my house and pay what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a debt validation letter to this company dated XX/XX/2020, giving them 30 days to validate the debt with me, if there is no verification within the 30days, they must stop collecting this debt and delete from my credit history. I also asked them to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Please include the signature.

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 2020-04-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On My XXXX credit report by the name of Navy Federal credit union i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX other inquiries were reported XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ON my XXXX credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX CU XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX 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 2016-12-31
Company: ORG GC GP Buyer, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. 

XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. 

Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. 

Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. 

My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). 
( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. 
( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. 
( 4 ) How many other family members did they randomly call? 
( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. 
( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. 
( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. 

This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. 

What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. 

Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello i have late payments with Wells Fargo credit card and this was due to me being in XXXX XXXX Military ( XXXX ). I left to basic training in XXXX and came back in XXXX. During this time i did not have access to internet nor could i pay off any of my credit card debt because of this. Since i was not able to make any payments in XXXX XXXX and XXXX I was penalized for no payment of these accounts. When I was able to i paid off the account in full and no longer had any debt with Wells Fargo.

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 2017-01-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. I was told that Citizens Bank Out Reached to them to make a collection attempt. I called back and they told me that I could settle with a payment of $ XXXX- {$120.00} right then and there so i could open another account with another bank which I thought was weird. Then I tried to call back and no one would answer and I tried three times. He said that he would be there til XXXX, which it says that they are open til XXXX EST. I really do n't want to be scammed so i thought that i would email someone for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. 
I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello i applied a loan from CAC credit acceptance Corporation for a loan on a car at XXXX based on my credit score, i being a first time buyer was unaware of the consequences with CAC, after the purchase of my car with in the first week my car was involved in a accident XXXX which i was n't at fault with and was considered a total loss, i reported to XXXX on the same day on the site of the accident at the time of the incident and took care of the issue i have n't even received my license plates, and CAC was also notified with this incident and has still reported a late fee which i did n't have to pay, i was sure about most of the new car payments start with 30-45 day after the purchase of the car, the most shocking thing wass i have n't received any of their CAC payment check books till last week, and they expect me to pay which i was n't notified at all, the last thing i was also shocked about that they have really messed up my credit score i was building by reporting that i have n't made a payment XXXX that my loan was n't cleared as they have cashed the check that XXXX has sent, and that their systems still has n't fixed that issue, which dully brought my credit score horribly low, all i'am asking for is justice and a fair play, and not to do this with the new comers who just started to work as well as to a person who just got a new credit card.

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 2020-04-12
Company: FMA Alliance, Ltd.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20 I've received notification from FMA Alliance in regards to an alleged debt owed to XXXX XXXX  in the amount of {$520.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time. 
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter. 

ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23
Company: PHH Mortgage Services Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a XXXX INT for my Escrow interest for {$64.00}, I have neverreceived XXXX before so I called customer service and was told it wasbecause my interest was always below {$10.00} so they do n't send them, my escrow is the same dollar amount it has always been, which by XXXX is around {$3200.00}. 
Not sure how that can give me {$64.00} in interest, I have called and wastold someone would contact me in 7-10 days, XXXX and never heardfrom anyone, I have emailed several times and told someone wouldcontact me within 24 hours and never hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Harley Davidson Financial Services Inc
State: HI
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:
I have disputed an account with both Harley Davidson Financial Services and XXXX. There is a lawsuit against Harley Davidson. The details can be found at  XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to Harley Davidson Financial services and XXXX  outlining the way the credit report was inaccurate. On XXXX, I sent proof the HDFS that the account was disputed successfully by my attorney to HD 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

HDFS replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to XXXX, so the account could be removed from my credit report. XXXX  finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ALLY FINANCIAL 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:
This was a sub-prime auto loan I got in XXXX to help with my credit rating since I had a foreclosure on my credit report. I needed credit, and this loan for a car i bought from a dealer in XXXX was something I thought I needed to help get my credit report in good standing. 
The loan turned out to be a nightmare with Ally Financial. I have a report on file with you, the CFPB. My issues with their fabricated payment history I thought was over in XXXX, when I was able to pay the loan off early. Wrong! They continue to report false information to the credit reporting agencies to this day. They are reporting 9 late payments on my loan which is very far from accurate. They continue to make my life miserable as I am still trying to get my credit score up to 700 to buy a house. 
I thought since I paid my loan off early, they would stop harassing me in the ways described in my report on file with you, the CFPB. It is clearly a case of predatory lending, and now it is clearly a case of predatory fair credit reporting laws being broken. 
I ask the CFPB to please make Ally Financial to stop reporting my loan in any way to the credit agencies as I made good and paid off a bad loan, they should make good and leave me alone and quit falsely reporting my payment history to the agencies. 
My info on file with the CFPB : XXXX XXXX XXXX XXXX. XXXX XXXX, # XXXX, XXXX, AZ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Secure Capital Management, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been receiving harassing phone calls from Secure Capital Management , Inc. They are calling on behalf of a pay day loan I am not able to pay back. I spoke with the loan company a couple of months ago and told them of my financial hardship. XXXX called me repeatedly back to back yesterday at XXXX, XXXX, XXXX, XXXX, called my friend and my job. He verified my contact info and address. Shortly after he threatened me saying an officer is coming to my home to serve me and I will have to appear in court. I told him ok and he asked for my address again saying he did n't have it and needed it to give to the officer. He connected me to XXXX to make payment arrangements on yesterday to begin payment on XXXX XXXX, however, XXXX XXXX, an employee of SCM, called me today at XXXX and XXXX asking for my payment info. I understand I have a debt to be paid, and if I had the money I would surely do so. I am working on reduced hours due to cut back and I simply just do n't have the money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter on XXXX/XXXX/16 from Dynamic Recovery Solutions for a XXXX account that I 've never had. They say I owe {$410.00}. I checked my credit report a month ago and figured if I owed a debt, that this would be on there, but it was n't. Also, there is no information about this account other than it 's XXXX and the amount owed. There is no dates or information about the account, and the reviews about this company are n't too good - they 've apparently been scamming people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The creditor told me they have a snap shot of my credit and it looks pretty good, that they 'd hate to damage it, then told me I had a bad attitude and he would n't speak to me and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: HI
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:
I have disputed an account with both XXXX XXXX XXXX XXXX and Experian. There is a lawsuit against XXXX XXXX. The details can be found at XXXX. The original transaction was void, I do not owe the amount that appears on my credit report. 

I wrote many letters to XXXX XXXX XXXX XXXX and Experian outlining the way the credit report was inaccurate. On XXXX, I sent proof the XXXX  that the account was disputed successfully by my attorney to XXXX 's attorney, and successfully removed from XXXX. I asked them to validate the debt that appeared on my credit report. 

XXXX  replied on XXXX. They say in their letter that they can not verify my account. 

I sent all this information to Experian, so the account could be removed from my credit report. Experian finished the dispute, and updated the account. The update states that I made a {$6100.00} payment on the account. I never made such a payment. 

I want this account removed.

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