BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with Equifax ( Confirmation number : XXXX XXXX on XX/XX/2021 with an estimated completion time of XX/XX/2021. As of today, XX/XX/2021, they have yet to finish their investigation nor contact me. This is well beyond their 30 day time frame, and I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately {$400.00}. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over {$6000.00} to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my XXXX for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that there had been a mistake with their figures on my debt ratio and they can not close the loan. I asked how did his happen as my debt had not changed at all since the approval. The loan officer advised me that an underwriter that is no longer with their company made the error and calculated overtime in. I have never had overtime nor did any documentation that I had given showed ANY overtime. I then asked the company to refund me my taxes and penalties that I incurred due to getting my monies to close and Loan Depot has refused. This is a fine example of fraudulent activity by their company. I want this fully investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: GCFS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XX/XX/XXXX, I was forced into a position where I needed a loan from XXXX to make a deposit on a place to live. In XX/XX/XXXX, I lossed my job and could no longer make payments toward this loan. At this time, I had already paid back the loan amount, but was still being charged interest. My loan was charged off in XX/XX/XXXX. Collection efforts stopped and I was informed that my loan was null and void since XXXX was being sued for illegal online loan servicing. This loan was also removed from my credit report. 

On XX/XX/XXXX, I was notified by my Financial Institution that a levy had been placed on my bank accounts. I contacted the firm listed on the levy and was told that they were attempting to collect for this XXXX XXXX loan. I was NEVER notified in any way that an attempt to collect the debt was still in place. I DID NOT receive a summons to appear in court and lost the right to defend myself. 

The law firm listed on this levy is GCFS , Inc . I contacted a lawyer who advised me to review the court documents on my case. I found that a judgement had been passed on me in XX/XX/XXXX. I also discovered that the Proof of Service of Summons included false and inaccurate information. The servicer lied and stated that I was served by personal service at my former employer AFTER I had lost my job. I have since filed a request for dismissal with the court for this judgement against me. 

Additionally, the loan was charged off in XX/XX/XXXX and the Statute of Limitations to collect on this debt has expired. 

I have also filed a Claim of Exemption for the bank levy since the deposit accounts held are my only source of income and neccessary for my basic needs. 

This law firm has no legal right to collect this debt and filed false court documents to get a judgement that I was never even aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Noticed collection on XXXX report XX/XX/XXXX - sent a letter asking to validate the debt via USPS certified mail XX/XX/XXXX - received a letter from collection agency XX/XX/XXXX - sent a letter to collection agency stating that I did not received the information requested XX/XX/XXXX - debt was updated on my XXXX 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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Was not notified of investigation status or results

Complaint:
The response to Complaint XXXX received from Transunion does not address the complaint itself and includes false statements. I am shocked that the CFPB closed this complaint without verifying the validity of the response and the adequacy of the information provided by Transunion. My issue is probably shared by thousands of customers as it seems to be related to the algorithm TU uses to calculate the score they provide on their website!!! TU decision and score process has impacted me financially as their score is utilized by many banks and CC companies to approve and assign interest rates!!! CFPB is acting as an accomplice to TU by accepting their response which in no way addresses my complaint.

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 2017-10-11
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XXXX XXXX, XXXX, while checking my credit reports, I found a negative collection account in the amount of {$2100.00}, reported by DIVERSIFIED CONSULTANTS. The collection is reported that it was opened on XXXX/XXXX/XXXX and was reported as disputed. This information is false, as this account, with XXXX being the original creditor was being reported by XXXX XXXX, on XXXX/XXXX/XXXX. I disputed the account with XXXX XXXX, because I do not owe XXXX. DIVERSIFIED CONSULTANTS never sent notice of the debt or my right to dispute. 
On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a letter via certified mail disputing the debt and asking for verification. The letter was delivered on XXXX XXXX, XXXX, as a return receipt was sent to me. DIVERSIFIED CONSULTANTS did not respond to the letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a second letter via certified mail disputing the debt and informing them that they were in violation of the FDCP and FCRA. The letter was delivered about XXXX XXXX, XXXX. DIVERSIFIED CONSULTANTS did not respond to this letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS an email as well as a certified letter offering a settlement. I received an email response stating that the letter would be forwarded to the appropriate department. 

On XXXX XXXX, XXXX, I received a letter from DIVERSIFIED CONSULTANTS notifying me of the debt, with no validation. 

I have submitted copies of my letters to DIVERSIFIED CONSULTANTS, receipt that they have received the letters, as well as Receipt and Copy of letters sent to XXXX XXXX showing that DIVERSIFIED CONSULTANTS did not own the account in XXXX, as they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: LEXISNEXIS
State: MS
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:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Diversified Consultants, 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 ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. 
I closed that checking account and opened a new one. 
I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Advantage Credit, 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: Credit inquiries on your report that you don't recognize

Complaint:
OnXX/XX/2021, I ask for the Mortgage loan interest rate since I prepare for the new home loan the loan broker didn't get my consent then pull my hard inquiries and it makes my credit score immediately down for points. I contacted with the loan agent, and she told me that she just run the soft credit report and also it will not effective for my hard credit, but in fact, I got the notice from my bank and it said someone run for the hard inquiries credit repot and my credit score was down in few points. I would want to complain for this loan broker issue, I didn't give them authorization to pull my hard inquiries credit and I didn't sign any paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Trying to collect a debt I thought I had already paid and now they are filing a case against me

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 2017-02-22
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.

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 2021-05-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I was notified that my loan was being purchased by Sun Trust Bank and would be given a XXXX  day grace period for payments starting XX/XX/XXXX My payment to my previous mortgage service company was rejected on XX/XX/XXXX. I called Sun Trust Bank and was told I was not yet in the system and they were unable to take a payment due to a recent acquisition. The representative told me to make both XXXX and XXXX payments on the XXXX of XXXX. However received a delinquency letter and a call threatening to ruin my credit on XX/XX/XXXX from Sun Trust if they did not receive immediate payment.

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 2015-09-01
Company: FIRST HORIZON BANK
State: TN
Product: Credit card
Issue: Balance transfer

Complaint:
XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-05-26
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need help. Original amount was less than a XXXX. I don't remember buying anything with them. 

SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXX Responsibility : Individual Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$670.00} Date Updated:XX/XX/XXXX Original Amount : {$89.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has reported both a freeze and Insufficient credit history on my credit report. This caused problems with my local bank, which refused the issuance of a credit card, and in addition caused refusal of a rental agreement with a community in XXXX XXXX Fl. I have tried to resolve this problem since XX/XX/XXXX without success. Equifax refuses access and correction of my report. Needed documentation was mailed to them via certified mail on XXXX occasions with result being that I receive the same documentation asking me to provide proof of identity which I have provided over and over again. My last request to them on XX/XX/XXXX generated the SAME document, dated XX/XX/XXXX. I have attached all documentation including the last received document dated XX/XX/XXXX. I need to say that credit reports from " XXXX '' and " XXXX XXXX '' reflect my correct data. The attached file shows all documentation provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my landline several time per day about what I do not know. I have put their number on a blocking list and have spam blockers on my system, but the number still gets through. I have stellar credit, have no consumer or any other kind of dept, and pay my bills. I have no idea what they are calling about and will not respond to their harrassment. Please lodge my complaint and forbid them to contact me by telephone.

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