BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-20
Company: Genesis Credit Management, LLC
State: WA
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:
Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. 
Sent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. 
Genesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CASHCALL, INC.
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}

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 2022-05-13
Company: Waypoint Resource Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received alert on my credit report a debt was added for XXXX unpaid {$50.00} due in XXXX. They referred it to Waypoint Resource Group on XX/XX/XXXX. I have copies of the bank payment paid in XXXX. I emailed, faxed and sent via XXXX copies of these documents to Waypoint Resource Group who confirmed receipt of the documents. They told me I had to call XXXX and have them let them know they received the payment. I have made several attempts to contact XXXX who told me that the debt was referred to collections. No resolution and my credit has a bad debt listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: National Credit Systems,Inc.
State: NC
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:
About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Focus Holding Company
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have disputed the amount of {$830.00} ( Account # XXXX ) with Home Depot Credit Services XXXX to improper installation of a XXXX XXXX. While the XXXX XXXX was delivered it was improperly installed. I have paid for the washing machine was to be installed and ready to be used. That did not happen!!! The installer forgot to remove the shipping bolts from the back of the washing machine. As such, when the machine was used the shipping bolts prevented the washing machine from spinning thereby causing the washing machine to vibrate very badly and move uncontrollably through the laundry room causing damage to the walls and the furnace located in close proximity. The failure of the installer to remove the shipping bolts caused damage to the drum and internal parts and has negated the warranty for the product. The Home Depot Credit Services denied my complaint by letter dated XX/XX/2022 saying that their research revealed that the washing machine was delivered. Furthermore on on XX/XX/2022 the Home Depot Credit Services noted that they will provide special financing per my request. I did not request special financing but to receive the services that I have paid for. I received a faulty installation and a damaged washing machine. XXXX XXXX will need to replace both in order for payment to be made.

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 2016-06-08
Company: L. Blake Morris
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling my girlfriend, after i already provide them my main number where they can clearly let me a voice mail or anything so they continue harassing me for a payment that already have made and delivery to them as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-09
Company: Brookshaw Management, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

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 Have All Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.

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 2016-02-12
Company: Sortis Financial, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX and XXXX mortgage was with XXXX Bank, I requested a mortgage modification for the XXXX and XXXX mortgage because I had a XXXX % reduction in pay. XXXX did modify my XXXX mortgage and reduced the mortgage payment. XXXX refused to modify the XXXX mortgage'they transferred the XXXX mortgage to ClearSprings Loan Services of which is a subsidiary of XXXX mortgage. I have received a Final Demand Letter from them. I want to settle on the debt. or they do a debt forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not sure how CMRE financial was able to grab a hold of my information.. 
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE. 

I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014. 


CMRE needs to be investigated because they are stealing innocent people money. 
Please help me get this fraudulent company CMRE off my back.

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 2016-05-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old, {$2500.00} promissory personal loan magically converted into a mortgage attached to my primary residence. XXXX confirmed the loan was indeed a mortgage on my home and was in the XXXX lien position. Shellpoint is threating me with foreclosure and placing it on my credit. Statue of limitation on promissory notes is only 4 years. I shredded all my old XXXX doc 's long ago. I have called 3 times and sent in 3 requests for lien documents and strangely they ca n't find any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-02-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attempted to do a loan modification with Shellpoint. Submitted multiple sets of documentation over the last 6 months with absolutely no phone contact with them. They just turned me down claiming I do n't qualify for a mortgage reduction. Homes directly across street sold recently at XXXX. I do not accept their decision. Especially since they operate so shady.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX. Included in thebankruptcy petition was an apartment that I surrendered XXXX, XXXX XXXX XXXX, MI. I completed and fulfilledmy chap XXXX bankruptcy with a discharge of debt on XXXX/XXXX/XXXX. Theproperty at the above address was sold in XXXX with no claimsprior to the discharge of debt from any lender. I do n't own theproperty and I do n't owe any lender any money either. Sincethat time, XXXX XXXX has claimed that I owe them money andreported this to all XXXX credit agencies, call them out on thisthey transferred the servicing to XXXX and for years they havebeen reporting this to credit agencies as unpaid and show me asbeing not paying on the outstanding note for years. I finally wentmy bankruptcy attorney and she communicated with them andthey agreed to stop the reporting and cease communication. 
They indicated in a letter that they contacted the credit reportingagencies and corrected the reporting that was going on for morethan XXXX years. Today, XXXX/XXXX/XXXX, I got a letter from XXXX statingthat they had transferred my account to a new loan servicerShellpoint Mortgage Servicing. I do n't owe any money and Ica n't seem to stop the continuing bounce to a different loanservicer. I have disputed the loans with the credit reporting agencies but they just take input from the loan servicers. 
Need some help here ... My attorney just got this resolved, or soI thought.

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