BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I was randomly contacted by representative from Portfolio Recovery Associates asking if I was XXXX XXXX and I said yes and she proceeded to tell me that she was trying to collect a credit card debt that was originally with XXXX XXXX XXXX that was open in XXXX and I told her that I did not open this credit card and she tells me that my last payment was in XXXX of {$250.00} and I tell her that it 's not possible cause I 'm XXXX and been XXXX since XXXX! She then questioned me about an address I rented in XXXX, XXXX that I had rented for my daughter but we conversing on a land line that is n't in my name in XXXX, XXXX where I 've lived for over 13 years! XXXX XXXX XXXX XXXX nor does Portfolio Recovery Associates exist on my credit files at this time behind this debt and it should n't cause it 's not mines! I 've had my share of pit falls with bad credit due to my health and BANCKRUPTCY and do n't want to relive it! This collection agency has my personal information like my ssn # and I do n't want them calling and harassing me for debt that is n't mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Marlette Funding, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Sent Cease and Desist letter to NCA on XXXX XXXX, 2015. Company continues to make frequent calls to me, employer and family members despite explicit instruction to cease such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CarMax, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I sent this company a debt validation letter but they refuse to provide me with the documentation it has been over 30 day. In the company all of the sudden the company added fees that I do n't know any thing about and by the way they fail to place a dispute status with the credit bureau. I never did any business with this company so how can I owe them they threatened me by saying and I also write saying that there is going to sue and seek legal matter against me they have violated the fdcpa section XXXX and XXXX this company is rude. I 'm frustrated that this company is a rip off they report this to the XXXX major credit bureau by reporting inaccurate informations another violations of fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting inaccurate information that is affecting my credit report badly, they insist that they contact Bank of America and that the information is correct. Bank of America said to me that they cant provide information older than two years, but what they have there is no negative information of my records.

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 2022-05-23
Company: FIRST HORIZON BANK
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had submitted complaint about first horizon a few weeks ago ( your complaint ID XXXX ). The letter I received from First Horizon said my payment due was {$170.00}. My complete payment has been sent and received. 

I called the number on the letter from First Horizon ( XXXX XXXX ) to see if the amount due was fixed two days after I received the letter from First Horizon and recording still said {$350.00} due as a payment this month. I gave them the benefit of the doubt and waited a week & called again today and recording still says {$350.00} I tried calling after work to the number XXXX had given me and spoke to XXXX XXXX. He said he could not or would not help me with this. 

This look to me like they just said that the problem was fixed to get you and myself off their backs, but it was not fixed and I don't know how else to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX BANK Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX DELETE this account. XXXX  XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Experian shows XX/XX/XXXX. DELETE this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce this?

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 2015-03-27
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DE
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:
Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.

Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: Debt Recovery Solutions, LLC
State: NY
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:
the debit is from XXXX for an XXXX XXXX not my self and have spoken to them and debit recovery solutions

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: Road Runner Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is knowingly reporting false information on my trade-lines ( XXXX and XXXX ) to all three credit reporting bureaus.They have an account in there possession and is reporting as an open, revolving account. According to Federal law, Portfolio Recovery is not allowed to report a factoring account and report a past due balance reflecting an installment loan. This account was not purchased in good standing, which would then entitled them to report as is. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I demand that this tradeline be removed from all XXXX Credit Reporting Agencies due to violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do 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 2015-12-02
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a roofing company that is not being paid because Ocwen Financial insists on using a monitored claims AFTER the roof was completed! I was not informed of that process initially and it is creating many problems. The Ocwen process does not fit the remuneration process required to pay the contractor and they have offered no means to resolve to actually handle the problem. I ca n't finish all the claims work needed during the winter to adhere to their process. The roofing contractor is a small business with a dozen or so employees and needs the funds to pay its workers. Ocwen is telling me they pay at a 30 % of claim, 60 % of claim and 90 % of claim after an inspection. There are XXXX parts to my insurance claim. Aside : Ocwen is loan servicer and not an insurance company. The insurance company has already seen and accepted the new class XXXX roof completion and sent the remaining funds to pay off the contractor. The problem is the insurance claim has XXXX parts : the roof, windows, deck and painting due to hail / wind / water damage. Ocwen 's process treats is all as XXXX claim. The wo n't release enough funds for me to pay the roofing contractor. They will not resolve the problem and are unresponsive to the real problem. Very concerned I will have lien on my property based on Ocwen 's processes which do n't fit this claim situation.

Company response to consumer: Closed with explanation