BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from orginal creditor. I donot owe Waypoint. I have never heard of Waypoint Resource Group. I never did a contract with them. I have never done any buisness with this company.I have sent them 3 letters certified to validate that I have done any business with them with signature, they have refused to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Atlantic Credit & Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: CT
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Portfolio Recovery Assoc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They took XXXXfrom me blindly now vv come to find out they are still reporting me over XXXX bucks and wont work with me And theyre keeping me from getting along

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX was and has been paid off. However, they apparently sold my account to Portfolio Recovery Associations ( XXXX XXXX XXXX. I filed a dispute and last year XXXX/XXXX/14 received a letter stating a PRA filed a XXXX XXXX Form electronically to delete this account on my ALL AGENCIES credit reports. To date it HAS not been done. RE XXXX XXXX It STILL is showing as a charge-off under XXXX and A COLLECTION ACCOUNT on PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are being serviced by the Great Lakes, and I believe there are several UDAAP issues. 

First of all, the website claims that the payments will go towards interest first, and then towards the principal balance of the loan with the highest interest rate. I have the screenshots of that language that I have provided. However, this is not the case. My payments have been allocated towards all loans, including the ones with the lower interest rate, resulting in higher interest earned on my loans. The website has recently introduced a feature that allowed the customers to choose which loan they would like to allocate their payments to. However, even though I have chosen specifically the loan with the highest interest rate, my payments have still allocated towards all loans. 

The second issue I found was with the payoff amount. When looking at the payoff amount on the website, the amount I was quoted was {$12000.00} as of XX/XX/2016. However, including the interest earned through XX/XX/2016, my total payoff amount should only be {$12000.00}. The quote includes an additional 10 days of interest that I should not have to pay if I were to pay off the loan on that date. The amount is overstated in a deceptive manner. I have included the payoff quote print out for your review, as well as a print out of my accounts, interest rates, and balances for each of my loans. 

When I contacted the customer service regarding these issues, my disputes were not addressed properly, as I was simply given the same information that was provided on the website regarding the allocation of payments, that did not match what was actually happening with my account. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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:
experians dispute system and upload system are both non functional today. 
experian is displaying a lone XXXX XXXXXXXX account that no longer belongs to or is reported upon XXXX XXXXXXXX and this account must be immediately deleted.a letter from XXXX XXXXXXXX to me is attached here for experians edification or education or simply is the evidence required to immediately remove this account.

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 2015-06-22
Company: Protas, Spivok & Collins. 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:
Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.

Company response to consumer: Closed
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
I am contacting you in hopes that you can help me with TransUnion reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.

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 2015-04-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: RevSolve, Inc.
State: OR
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:
The debt was the result of a Dr. who had performed an XXXX on me by billing the wrong Insurance Company. The service was performed through XXXX XXXX XXXX in XXXX Oregon - Patients check into an ADMIN office who gather all insurance info. This info is then distributed to individuals doctors. Once I was aware of the error ( which I had absolutely no control over ) I gave them the corrected insurance info, my insurance was billed and debt was paid in full. Revsolve Inc refused to remove from my credit report. Administrator for doctor ( who may have been covering her own error ) also refused to help. Bottom line is this bill was properly paid, should have never been a debt collection, debt collector was given all the information proving payment and still refused to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A woman calling from 'Maury Cobb Attorney At Law ' at XXXX would not disclose the nature of the matter without me giving my date of birth. I did not offer any info. However, she did state my address and last XXXX digits of my social security number to try and get me to offer my date of birth. How she had that information is difficult to understand and of great concern. I told this woman that I have not received any notification by mail on any legal or debt matters. They may be trying to collect a student debt of a relative which was legally dismissed in bankruptcy. I was listed on that loan as a reference. That is my only theory on this. Nonetheless, I am not liable nor is my relative. An investigation is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I cashapp a famous rapper after chatting wit him via XXXX on his. verified account so I know it was real. I sent him XXXX for a feature that he failed to complete. I asked him for the money back multiple times and he denied it. I went though cashapp and notified them that I never received my service that I payed for and all they could do was tell me to request a refund. I did and the seller denied it. then they told me to call my bank to dispute the charge which I did and my bank told me to contact cash app. I still never recieved my money back nor did I receive my service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a new loan with MACU, for a class C camper, but I am having issues getting the title from them. 

XXXX XX/XX/XXXX, I co-signed on a loan for my son-in-law, for this camper ... no issues here. 

XXXX XX/XX/XXXX, my daughter and son-in-law broke up, so I bought the camper from him ... financing the loan, again, through MACU. 

-As of today, XX/XX/XXXX, I still haven't received the title, in order to register with my home state of Missouri XXXX At this point, I'm on my 2nd payment on the loan, but I can't get tags and I'm facing late penalties from the state for being late. 

XXXXMountain America CU has stated to me that the only thing holding up the title, is that the seller needs to sign/notorize another form ... which they stated that they initially had in their system, but lost at some point. Email attached showing that they had it in their system. 

-Mountain America CU has already sent the seller his proceeds of $ XXXX, so he has no initiative to help in any way. 

I realize that they need certain documentation, but this was an error on their part ( losing the seller 's signed form ) and I am the one stuck with no resolution and facing penalties. 

Communication has been terrible, through the whole process, but a few of the people I've dealt with have been very nice ( XXXX XXXX and XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The loan servicer is Nelnet. As a borrower, I request repayment plans through the XXXX website, which is sent to the servicer. I request this in order to have a loan summary document that I can print out for a mortgage application. However, Nelnet has a very non transparent and long process to calculate a monthly payment based on the information that I submitted. It takes too much time and as a consumer it is hurting my prospects on owning a home since mortgage applications and home purchase are time sensitive applications. I have been informed that they have been several complaints lodged against Nelnet and another company XXXX. They are not serving the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan servicing was transferred from XXXX XXXX to Planet Home Lending LLC on XXXX per the transfer letter from XXXX XXXX dated XXXX Per the XXXX letter, the law requires PHL, the new server to send out a letter of transfer no later than 15 days from the transfer date. 

To this date I have not received the required letter of transfer from PHL On XXXX I spoke with XXXX of PHL, he said letter had not been issued yet. 

I asked XXXX if PHL had my loss mitigation application from XXXX XXXX. He said no. 

I informed him that XXXX XXXX issued a letter dated XXXX, confirming my loss mitigation application was received on XXXX and they determined it was complete. 

PHL ask that I fax the XXXX letter confirming the loss medication completion and address it to XXXX and they would get back to me, once they located my completed file. Letter was faxed on XX/XX/XXXX On XXXX I signed a PHL, XXXX authorization letter for XXXX XXXX XXXX. 

As of XX/XX/XXXXXXXX PHL has not replied to any of the above ; to me or XXXX XXXX XXXX. 

On XXXX I received a statement from PHL demanding payment in the amount of {$230000.00} Nowhere on their statement did it reflect that I was discharge of this debt in my XXXX Bankruptcy, furthermore their letter is threatening to report derogatory information to the credit reporting agencies. 

Should PHL continue this form harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court. 

On XXXX I fax PHL  and asked that they confirm by Bankruptcy Discharge. 

I require thaXXXX PHL address ever one of my points in this complaint.

Company response to consumer: Closed with explanation