BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: Alliance One, Inc.
State: WA
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 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX Federal Tax Liens that were published on my credit report. These liens were reported by Equifax and XXXX. These liens were paid and I submitted a request to the IRS to have these liens withdrawn. On XXXX XXXX, 2015, I received a letter from the IRS, which included Form XXXX ( Withdrawal of Notice of Federal Tax Lien ). Although I formally requested the IRS to notify the bureaus to remove the liens, I sent this letter to Equifax and XXXX on XXXX XXXX, 2015, to ensure they would be removed from my credit report. Equifax sent me a letter on XXXX XXXX, 2015, stating the tax liens were reported as released. XXXX sent me a letter on XXXX XXXX, 2015, stating they have deleted the tax lien from my credit report. The XXXX lien had already been deleted from my report. After reviewing my updated credit report through my credit monitoring company, I sent another letter to Equifax on XXXX XXXX, 2015. I included the letter from the IRS again, and requested the bureau to delete the Federal Tax Liens from my report. Equifax sent me a letter on XXXX XXXX, 2015, stating XXXX of the liens is currently reporting released and will remain on my report for 7 years, and the XXXX lien has been deleted from my report. I have included the letters from the bureaus, my last letter to Equifax dated XXXX XXXX, 2015, and the letter from the IRS with Form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.

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 2017-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. XXXX. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. XXXX placed in XXXX County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed my property in XX/XX/XXXX in XXXX and never received copies of my originals documents, I was told that I will get them in the mail. On XX/XX/XXXX I received a total different set of documentation for me to sign, I requested a copy of the first set of documentation to make sure nothing had changed and I never received a response, additionally they told me they would add my wife in the mortgage, since I started this process of purchasing my home from my now actual wife, before marriage, and at the time of closing I was already married. Me and my wife advised the same information to the mortgage broker at the time. So I held on to the documentation and keep the originals never signed. The first sign of fraud to the court was in my foreclosure case in XX/XX/XXXX- Case No. XXXX, were the lender certified to have the original note on my property such note was fraudulent signed, since I have the originals of this note and was never signed or executed by me. That foreclosure case was voluntary dismiss by Plaintiff in that case. Come XX/XX/XXXX I get served with a second foreclosure case after almost 9 years, and Select Portfolio Servicing , Inc again certifying of the same, including the two adjustable rate ride, and a correction/modifications of Mortgage Documents that I never that I never signed. As far as a modification of mortgage, Plaintiff XXXX ( Investor ) does not modified since they never took funds from TARP. 
Second case of Fraud : Lack of standing bringing this case with an assignment of mortgage recorded and executed on XX/XX/XXXX by XXXX as Vice President and nominee for Accredited Home Loans. Accredited had filled BK Chapter XXXX, since XX/XX/XXXX and was administratively dissolved and repudiate all their contracts that including XXXX, so assignment of mortgage is totally ineffective. I had executed letters also to our State Attorney General, Offices of XXXX and to our governor XXXX. ( See attached ). I do want to fine a way to keep my home but homeowner 's had suffer huge losses due to lender and services unethical practices. Thanking you in advance for your help in this matter.

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 2016-08-05
Company: Riverwalk Financial CORPORATION
State: VA
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:
Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me. 

I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: First Recovery Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling every member of my family 's telephone numbers and leaving messages. I have never dealt with this company and want them to stop calling my family members '

Company response to consumer: Untimely response
Consumer complaint received 2017-03-21
Company: Financial Credit Service, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: MD
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:
Found out that even after our XXXX XXXX XXXX mortgage account has been removed from Equifax, changes to our scores are still happening when it seems we're trying to refinance and get away from them. This is an action that we're well familiar with, and it happens EVERYTIME there is a credit inquiry that appears as Refinancing attempt. 

The credit apps sends out warnings when there are changes to my credit reporting. The most recent alert shows what normally happens after there is an mortgage inquiry. Equifax ( only ) score dropped by XXXX points. The app also shows what caused the drop. It is showing my XXXX XXXX account, had an {$92.00} increase. This is not possible considering the last reported change to the XXXX account was in XXXX. So why would an increase take place a month after the last reporting. The app also shows The inquiry that was believed to be a mortgage company. 

Now, Equifax had previously informed me that they had removed the entire XXXX XXXX XXXX account, so we wanted to see if XXXX XXXX XXXX  would still have access to our Equifax credit reporting and that was confirmed by the changes. 

In no way should the score continue to drop simply from an suspected mortgage inquiry, that's usually only a point or two drop. I've had it drop as much as XXXX points in the past, but mostly on XXXX only. I also have recorded more than XXXX changes that happens mostly on Equifax from two separate mortgage servicers ( one being XXXX XXXX XXXX ). 

We have been made aware that the credit bureaus are being used to exploit us using predatory practices. And what really reveal things, the score drop only happened on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: ALL FAMILY FINANCE, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!

Company response to consumer: Untimely response
Consumer complaint received 2016-03-22
Company: First Recovery Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has called me 5 times. They are looking for someone named XXXX XXXX. I told them there is no XXXX XXXX in my family. I then tried to ask them if someone was fraudulently using the family last name. I asked how they got the phone number. They would not give any information and simply said they would take the phone number off the list. They called back a few days later again the same thing. Then someone named XXXX called. I informed him again we have no relatives named XXXX XXXX. He hung up on me while I was asking him to not call any more.. I called him back and asked for his supervisor he said the supervisor was in a meeting. I then said there is no XXXX XXXX here and he hung up on me again. I Called back again and Got some Woman called XXXX. I asked her for the address so i could send them a letter to stop contacting me and she wouldnt give it to me and got sarcastic.. So i called her a XXXX.. She told me i had no manners so she was not going to take my number out of the system. She had nerve to say all that after i threatened to sue. The name of the company is called- RECOVERY FIRST. No one in this house knows or is related to a XXXX XXXX. I dont know if someone gave the phone number or if this company pulled it out of the phone book. No one in this house or this family owes Recovery first any money.. Pleas make them stop the harassment.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-04
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
WE HAVE USED WESTERN UNION BEFORE TO TRANSFER MONEY TO IMPOVERISHED RELATIVES IN XXXX, HAVING TESTED THE SYSTEM A FEW MONTHS AGO WITH {$50.00}. AFTER SEVERAL ERRORS, WE FINALLY GOT THE MONEY PICKED UP BY FAMILY IN XXXX XXXX. AT XXXX WE DECIDED TO SEND A LARGER AMOUNT USING THE SAME ACCOUNT AND RECIPIENT IDENTIFIERS AS THE PREVIOUS TEST TRANSFER. ON XX/XX/XXXX WE SENT {$300.00} THAT HAS BEEN REPEATEDLY REFUSED TO THE RECIPIENT FOR SKETCHY REASONS ( NAME IS NOT EXACTLY RIGHT ) AND DESPITE THE EARLIER SUCCESSFUL TRANSACTION. WE SUSPECT SCAM AND THEFT AND HAVE EMAILED W.U. ACCORDINGLY. WE ALSO FILE THIS COMPLAINT. THE ISSUE SEEMS TO BE NAMES. OUR SISTER HAS A COMPLICATED MULTI-PART NAME AS FOLLOWS : XXXX XXXX XXXX XXXX. WE HAVE TRIED TO SHORTEN IT FOR W.U. - OBVIOUSLY FAILING - OR BEING CHEATED AS A RESULT. DESPERATELY NEED HELP HERE. 

XXXX AND XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my Experian credit report there are XXXX other names and XXXX other addresses and I'm afraid that someone could have used those names and addresses to still my informations. I demand that EXPERIAN remove all those other names and addresses on my credit report

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 2017-04-05
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had a second mortgage equity line with XXXX years and years ago. After XXXX folded and sold all of their mortgages we tried to find out who our new lender was with no success. We then went through a chapter XXXX bk that discharged in XX/XX/XXXX which listed XXXX as discharged. We kept our home and made all first trust deed payments on time but still never heard from any lender regarding the second. We had assumed this was because of the bk discharge. Five years later in XX/XX/XXXX Franklin Credit Management contacted us saying they intended to foreclose on our home. We have incurred thousands and thousands of dollars in legal fees, our credit has been negatively impacted and the title to our home is a mess. The major legal issue I have with Franklin is that we never received the service transferring notice that is supposed to be sent within 15 days of a mortgage being transferred to another servicing company. Had they complied with the Servicing Transfer Notice requirement ( or any of the other lenders in between XXXX and Franklin ) we would have been paying them and might have even been able to negotiate a loan modification. However, we were not notified. Franklin Credit Management was responsible to notify us within 15 days of receiving our loan for serving and they did not and it has cost us dearly. We have contacted them multiple times trying to negotiate a settlement or modification. They were rude, disrespectful and unreasonable to the point we had to hire an attorney. I truly believe this predatory servicing company is operating outside regulatory guidelines as it suits their purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: CA
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 AND XXXX  ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: NCC Business Services, Inc.
State: CO
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 is attempting to collect a debt that is not mine. It was from an apartment complex where I was never on the lease and did not live there. I 've asked for them to send proof that the debt is mine but they never have.

Company response to consumer: Closed with explanation