BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the XXXX XXXX XXXX  complex, I moved out on XX/XX/2019. Rent was only {$840.00} plus utilities which equated to about {$950.00}, which wasnt paid since I moved out for XXXX and XXXX. If thats only 2 months and I had a deposit of {$840.00}, nor did I have any pets or animals and I cleaned the apartment before I moved out. Theres no way I owe {$4000.00} for 2 months. There was no damage to the unit either and all keys and gate openers were returned. I feel that I am being over charged for this broken lease. I have intent to pay but only what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TENET HEALTHCARE CORPORATION
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Two issues:
1. I did not receive the right to verify debt, and
2. Debt collector falsely reported XXXX accounts to credit reporting which has lowered my score.

I have asked them in writing, and via phone, to remedy this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened an Auto Loan with Santanders XX/XX/XXXX. I became XXXX and wrecked my vehicle XX/XX/XXXX causing me to XXXX. I had an lawyer on my case as the cause of the accident was the other driver. I spoke to Santanders plenty of times to resolve the issue and they refused to do so. Now the amount that is on my credit shows as a charge off. This company would not assist with my needs and they need to remove the account off my all credit bureaus. This has affected me in so many ways. The vehicle was totaled out and my insurance did not pay. I loss my job due to me having to be on bed rest after this car wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.

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 2015-08-04
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pulled credit report XXXX/XXXX/15. Sent validation request of XXXX medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. I have been fighting a long hard battle with XXXX XXXX XXXX in terms of XXXX XXXX. XX/XX/XXXX I tried closing my account and was told that with the long battles I had coming back and forth to the gym that I would not be charged again or charged any cancellation fees. The following month, after several failed attempts I got an email from a woman stating that I do have to pay a cancellation fee and that she would terminate my account at that point so I do not incur any other amounts. For months after I received automated emails stating my card could not be charged and time and time again I sent responses to the gym stating that my account should have already been closed. I contacted the XXXX to notify them of the failure to communicate and the failure to follow requests and mistakes that they had continued to make causing me a bad name and credit. I also addressed my fear in getting a possible collection letter in my name due to these large mistakes they were causing. After the XXXX got in touch with the busin as, I was notified that my amount owed was only {$13.00}. 3 days ago I went to the gym to confirm the amount owed and pay the {$13.00} owed. Turns out, the gym stated I owed {$76.00} and some change. Also while in the gym, I was told that they do not send people to collections anymore. Just last night I received a letter from Aldous & Associates claiming to be requesting a debt owed in the amount of {$230.00}. I once again contacted the XXXX to reopen my case and am hoping to get in touch with someone who can clear my case and my credit. I never received a debt collection and now I have one wrongfully reported. I need assistance addressing this and information on any further steps that I can take to ensure safety of my finances and my good name as well as my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: AFNI INC.
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 was paid

Complaint:
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the three credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XX/XX/2017 they cashed the check that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BANK OF THE WEST
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a XXXX Chevrolet Corvette from XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ) and did a hard pull on my credit report on XX/XX/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call or did a pull without my authorization speaking with the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. This employee of Bank at the West acted negligently and Bank of the West needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement an reached out to the XXXX Police Department two times now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection showed up on my credit report in XXXX and I did not know where and why it came from. Now that I checked my credit report they have re-aged this and dated it XXXX XXXX XXXX. There is absolutely no way I owe this and it got placed XXXX. I did n't receive a single notification about this, and how you can re-age some sort of collection, I believed re-aging is unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through TDRCS ( TD Retail Card Services ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at TDRCS stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to TDRCS collections about the situation they told me I had to file a dispute with TDRCS customer service, a different office. I filed a dispute in early XXXX. TDRCS has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back to TDRCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Consumer Credit Counseling Service of the Midwest, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started with XXXX XX/XX/XXXX consolidated XXXX credit cards which collected {$750.00} each month the contract stated that XXXX payments and XXXX will be complete, I want a audit on myaccount from an outsider to check if they collected correctly. I paid an extra payment of {$830.00} XX/XX/XXXX which should have beencomplete XX/XX/XXXX My total payments where XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Aldous & Associates, PLLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Debt collector keeps calling a leaving messages. They claim they are a Law firm. The " law firm '' is in Utah. I do not live in Utah. Please investigate this company. They use scare tactics to collect on old debts that should be off the records of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: OLD NATIONAL BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a Checking Account at Old National Bank. The balance in the Checking as of yesterday was a positive {$1.00}, but after looking today the account balance shows a negative balance of- {$5.00}. Old National bank did not inform me of the Service Fee that they apparently took out on XXXX/XXXX/2015. The account also did not have any overdraft protection which meant that the account would not go into a negative, but now however the bank got me in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX address not mines : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, phone number to be removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31
Company: First Direct Lending, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: AFNI INC.
State: NH
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 hired the service of my wife XXXX, XXXX XXXX. My attorney contacted AFNI twice and have yet received a response. This is what my attorney requested from AFNI : Agreement with your client, that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the al leged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. ; XXXX and address of alleged creditor. 

Name on flie of alleged debtor. Alleged account number. 

Address on file for alleged debtor : Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt Mas assigned or sold to collector. 

Complete. accounting of alleged debt ; I am attaching documentation that show proof that AFNI have received documentation from my attorney. 

AFNI is also not authorized to collect debt in the state of NH per this article ( also attached ) : XXXX If you follow the following link and enter AFNI, you will clearly see that AFNI is not authorized to collect debt in NH and are try to collect illegally. 

XXXX Before I sue I am giving AFNI the chance to do the right thing. I will not go away until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: D2 Management LLC
State: OK
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I am not really sure about the nature of this alleged debt. I received a call today from a lady identifying herself as an agent trying to collect a debt. She knew my name and the last XXXX digits of my SS #. When I confirmed my last XXXX, she went on to tell me that she is calling about a debt that supposedly occurred over 11 years ago for XXXX. I discontinued the conversation and advised me that she may contact by mail. I have no recollection of this debt. My husband called to verify the source and she advised him that a lawsuit would be involved.

Company response to consumer: Closed