BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AP
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:
The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Atlanticus Services Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company submitted a fault reply to CFPB when they addressed my concern I had always paid them within the 15 day grace period and they still reported to the various credit companies that I was late. Please see the attached exhibit A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-25
Company: Dynamic Recovery Solutions, LLC
State: OH
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 began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15
Company: Razor Capital, LLC
State: MI
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:
Refer to CFPB Case number XXXX. 

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: H. Kent Hollins, Attorney at Law, P.A
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This judgment was filed XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX XXXX XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: H. Kent Hollins, Attorney at Law, P.A
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been garnished for a bill for {$290.00}. I never received any papers. Then after {$290.00} was paid now another that I know nothing about for {$500.00}. Out of my check was {$31.00} and {$100.00}. I 'm a XXXX and work a part time job supporting a child and I was never informed about these garnishments. Had to get information from job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...

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 2015-12-02
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Unauthorized transactions/trans. issues

Complaint:
A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I added money on XXXX/XXXX/15 and the money is still not available. When I call customer service it says my card has not been activated when in fact it has. I still do not have my money an its XXXX/XXXX/15 and NO ONE ANSWERS CUSTOMER SERVICE #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-16
Company: The Leviton Law Firm, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never heard of this XXXX XXXX XXXX place before. All of my medical bills have been paid by insurance or workmman 's compensation for the last 10 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: American Credit Acceptance, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: EDvantage LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Miller and Steeno, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Advantage Collection Professionals, Inc.
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:
XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX there were transactions that where supposed to be going to checking account XXXX and XXXX. However, ended somewhere else. I reported it to fdic and they said to forward it to consumers finance to further investigate and get all the transactions to the right accounts. There were other transactions that were supposed to go to the savings account of that same accountsof XXXX XXXX XXXX XXXX. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation