BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX, XXXX were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XXXX, XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted XXXX and XXXX and emailed me stating that according to XXXX and XXXX, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from XXXX and XXXX. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to XXXX and XXXX showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from XXXX and XXXX, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on XXXX and XXXX and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 2017-02-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).

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 2016-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
THERE IS SO MUCH OLD INFORMATION ON MY REPORT. THERE ARE CREDIT CARD BALANCES THAT SHOW A BALANCE OF {$80000.00} THAT SHOULD BE {$5000.00}. THERE ARE ACCOUNTS AND MORTGAGES THAT HAVE BEEN CLOSED FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Seterus, Inc.
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc.took {$5000.00} out of my checking account without my permission. This occurred on XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is mis reporting the date of last activity to Equifax for my old master card account. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX XXXX and XXXX ) however, on Equifax it is reporting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed by Equifax report and found an entry from XXXX. I have requested 4 times documentation from Equifax and XXXX XXXX to send to me that they use to verify that this debt is mine. I have yet to get an accurate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was approved for IBR but told I was n't, and given a massive new monthly payment. I called and was disconnected multiple times. When I did reach them, it was after an hour 's wait. They told me my IBR went through, and I owed approximately {$300.00}, that a bill would follow. My bill was then for {$900.00}, and indicated that this was my amount to be paid through IBR. Again, the hassle of getting through to a human being on the phone. When I told them all that had happened, the woman put me on hold abruptly, where I waited 10 minutes, then came back and told me I owe {$280.00}. No explanation, told me this was the final IBR amount and that is what I should mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act

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 2016-08-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several thousand people. I am attaching a copy of a letter from XXXX Bank which outlines the date breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following addresses do not belong to me. I have never lived at the following addresses and in some instances the addresses are not even a real United States home address. In other instances they are addresses in states I never lived in. Chex Systems has refused to honor my request to remove these fraudulent addresses from my credit file. The addressed listed make me much more vunerable to identity theft and they lower my Chex Systems credit score. The addresses I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Many of these addresses I have XXXX and found belong to apartment complexes. Some have different apartment numbers at the same complex. That should be an obvious sign that this is fraud is not me that has done this. Also Chex Systems currently has several versions of my current address which in some cases list my apartment number and in some cases does not. This also makes me more vulnerable to identity theft as mail could be sent to the general apartment complex building and not to my specific apartment. I am also requesting that all versions of my current address be updated to reflect the correct address which is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, 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 2015-08-12
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called to take care of debt a number of times, myself, then with representative, XXXX XXXX overtalked, yelled and interrupted every single word said. Then hung up on me, a total of 5 times. Asked about settling this OLD debt from 2008, he lied and said that the company does not offer settlements. Block you from talking to others at company, try to bully you into doing exactly what they say with no lip. Above description of issue with company options are limited. Conversations should be monitored and recorded as proof of complaint, we have times and dates called to resolve matter, in which this company did all they could to not resolve this OLD, OLD debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX from Auto Now Financial also known as XXXX on XX/XX/2016. On XX/XX/2016 someone wrecked into me totalling my car. The dealer Auto Now Financial informed me of a program they offer to get me into another car through their company once the insurance company paid off my XXXX. The program was explained to me that I only pay {$98.00} to drive off the lot. This money covers the auto insurance that they provided for me. I chose a car on XX/XX/2016 a XXXX. Within XXXX or XXXX days of driving the car I returned it to the dealer complaining of the front end did not feel safe. I was told they do not cover new tires. I then took the car to another mechanic and was told the XXXX was not safe to drive on and would need to be fixed immediately. I then took it back to Auto Now and informed them of this. They kept my car for one day then rerurned it to me stating it was the tires and again it is not covered under warranty. I requested that in writing and they refused. I then contacted the finance department and informed them I will not make the scheduled payment of {$500.00} due on XX/XX/2016 or the first payment of {$210.00} due on XX/XX/2016. They repossessed the car on XX/XX/2016 when the temporary plate had expired and sold it in auction on XX/XX/2016. Auto Action then reported the car on my credit report as an open loan for {$10000.00} showing XXXX payments being made in good standing. Their action has kept me from being able to finance another vehicle. I was informed by another dealership that a loan is not funded by the lender if the buyer fails to make the first payment, ie down payment. I have information about the issues with the car from the previous owner of this vehicle showing the malfunctions were previously known by the dealer. These actions look like various forms of fraud by the dealership not only to consumers but to financial institutions and insurance companies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Credit Protection Association, L.P.
State: CA
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:
This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ). 

I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Convergent Resources, Inc.
State: GA
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:
Convergent Outsourcing is attempting to reage an account that is beyond 7 years of collections. This account has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Harvard Collections, LLC
State: NV
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:
I am filing a complaint against Harvard Collections, located at XXXX XXXX XXXX XXXX XXXX Il XXXX. The phone number listed is ( XXXX ) XXXX. Harvard Collections held a debt of mine originating from the IL Department of Human Services ( phone : XXXX ) in the amount of {$1000.00}. That debt was paid by me to Harvard Collections on XXXX XXXX, 2016. I received confirmation of payment by collection manager XXXX ( XXXX ) XXXX ( XXXX ext XXXX ) and was informed that Harvard Collections sends payment to the original debtor once a month at the end of each month. He informed me that the Illinois Department of Human Services will not receive payment until XX/XX/XXXX which should be reflected before XXXX XXXX. I filed my taxes in XX/XX/XXXX. {$1000.00} was taken out of my taxes on XXXX XXXX, 2016 due to a tax offset for this same debt which was paid on XXXX XXXX, 2016. I contacted the Illinois Department of Human Services directly on XXXX XXXX, 2016 and explained to XXXX that I paid this debt twice. He informed me that I would have to wait until XXXX XXXX, 2016 for both payments to post in their system ( XXXX from Harvard Collections and another from the XXXX XXXX XXXX XXXX ). I contacted XXXX on that date and was informed that nothing was posted yet. He told me to follow up. I followed up XXXX XXXX, 2016. A representative informed me that the department XXXX XXXX XXXX received payment from the XXXX XXXX XXXX XXXX but did not receive payment from Harvard Collections. I immediately called XXXX XXXX at Harvard Collections and asked why this debt has not been paid even though I paid. He then said that his company does not deal with the payment to the original debtor and he would have to contact 'client services '. He would not give me a number or contact information. He later told me that he does not have a number for client services only an email which he would not provide to me. I have followed up with XXXX XXXX several times and he either hangs up wilhen I call or tells me lies. He wo n't refund me my money. The account has been paid twice and I ca n't find any resolution with Harvard Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.

Company response to consumer: Closed with explanation