BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: Paypal Holdings, Inc
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.

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 2022-09-16
Company: Guild Mortgage Company LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Guild has already promised to make me whole in the following matter, but I am filing this complaint for the benefit of others similarly situated who are not aware that Guild is mishandling their account to its own advantage. 

Earlier in 2022, I took out a conventional fixed-rate mortgage from Guild Mortgage Company in connection with a new home purchase. As is routine and expected, Guild promptly sold the note while continuing to service the loan. 

I recently received a letter from Guild, stating that " As a result of an examination of your mortgage loan file, a refund for appraisal fees we collected in the amount of {$150.00} is being made for your benefit and applied to your loan as a principal reduction. '' This {$150.00} fee coincides with a line item " Appraisal Fee - Review '' which appeared on my XXXX settlement statement at closing. My presumption, which Guild did not deny when I alleged it in correspondence with them, is that no such review ever actually occurred ( Guild chose the appraiser, so why bother? ) and so they had no basis for charging this fee.

This {$150.00} fee is a cost that I paid out-of-pocket at closing time, so Guild should have sent me a refund check rather than applying it to my principal balance. Furthermore, even if I had financed my closing costs, they should have given me a credit for the interest which has accrued on the {$150.00} since closing.

By applying the {$150.00} to my principal balance rather than paying it to me directly, Guild was being unjustly enriched at my expense because prevailing mortgage rates, and even treasury rates, have now risen significantly higher than the fixed rate that I received. Until such time as my loan matures and the final payment has to be remitted to the note-holder, the {$150.00} credit to my principal balance is nothing but a bookkeeping entry. By postponing any actual payment until that time, Guild effectively gets to piggyback on my favorable loan terms and invest the money elsewhere at higher yields, taking the same opportunity away from me.

Guild immediately folded when I confronted them and has promised to reverse the principal credit and send me a {$150.00} check instead. They evaded my questions as to why they took these actions in the first place. There are likely many other borrowers in the same situation as mine whom Guild has still not properly compensated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: American Credit Resolution, Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
American Credit Resolution inc. 
XXXX XXXX SR Account Manager XXXX Paid {$200.00} to this company because they were threating me. My wife thought she was paying a loan I requested but it was all a scam. How do I recover {$200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted on my cell phone by a woman named XXXX XXXX on XXXX/XXXX/16 at XXXX. I did not answer since it was an unknown number so she left a message. She does not state what company she works for but says that there is a claim in their office and she needs to speak to me further regarding the matter. She called from XXXX. She requested that I call her back a XXXX, ext XXXX. She said I was to refer to case # XXXX. Within seconds of that call my son received the same message for me on his cell phone. I have recordings of both messages left. The message on my son 's phone was the same except the case number given differed. I did not return the call. On XXXX XXXX, 2016 I received a letter from ARA Inc stating that ARA has recently obtained and now is the legal owner of my XXXX Account. I do not have an account with XXXX, nor have I ever had an account with XXXX. I called XXXX 's fraud department and they verified that they have no record of an account with my name or the account number that ARA Inc. says is mine. ARA claims that I owe {$5500.00}. I do not. The case number listed on the letter is different than the XXXX numbers previously given in the 2 different phone calls. I ordered a credit report on XXXX/XXXX/16 through XXXX which also shows that I have never had credit with XXXX. The credit report also shows that I have XXXX negative accounts, XXXX collections, and XXXX public records. All accounts shown are either " Pays as Agreed '' or they are closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: LA
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:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2016-08-18
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found out someone committed fraud in my name under the cable company comcast. i asked both comcast and bill collectors to send me the bill with the address used for comcast stating that actual address so that i may file a police report. first they said they could not provide me that information until i mail them proof of address. one week later they sent the bill to my current address that of course i 've been living for over 10 years with my current address on it, but not the fraudulent address they were accusing me of having the unpaid debt. The debt collectors told me that i have show proof of address for those remaining years which were back in XXXX and XXXX! i have no bills what so ever from those many years ago. this just is n't right at all! now they refuse to help me. so i 'm stuck with debt that i never knew of or never received any mailing within those years to my name and ruining my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Financial Credit Service, Inc.
State: KS
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
At XXXX and XXXX, on XX/XX/XXXX, I received missed calls from Asset Recovery Associates. ARA did not leave a message, so I returned the missed call at XXXX. The representative that answered my call, asked for my phone number. Then, he said he would transfer me to my representative. I do n't believe that the representative that took my call introduced himself. He called me by my first name, and immediately stated that an affidavit was being filed, and a judgement was going to be made against my social security number. Allegedly, I opened a car loan in XX/XX/XXXX, and supposedly defaulted on the loan in XX/XX/XXXX. I told the representative that I do n't have any knowledge of a car loan in XX/XX/XXXX. He then asked if I had co-signed on a loan. I told him several times that I have no idea what he is talking about, and expressed confusion regarding the situation. Before transferring me to the " fraud department, '' he verified the last XXXX digits of my social security number. The representative I was transferred to introduced himself as someone from the legal department, but I did not catch his name. He also addressed me by my first name only. I again explained that I did not have any knowledge of the account they were referring to. This representative took an accusatory tone, stated they had sent letters repeatedly, and called me a liar when I said I did not receive any correspondence regarding the account in question. I would like this debt collector to know that I do n't have any knowledge of a car loan debt. Furthermore, since the alleged default on the loan occurred in XX/XX/XXXX, it would be long past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I contacted XXXX university for which was given money to cover expenses of education. 
The problem is I've never attended this school, enrolled in this school. I have 0 classes and 0 credits for this school however I am still being held responsible to pay for a loan given to a school that I did not attend. 
( 2 ) i contacted the us department of education and they emailed me a form which I've sent back to them regarding this complaint. 
However, the problem is my tax return is being offset. Which the calculation is in question of exactly how much I owe. Because money was paid to a school I did not attend. 
My account is now is with XXXX  XXXX  XXXX  whom of which have a 66 page lawsuit pending for predatory practices. Which I told the department of education that I was uncomfortable working with this agency for such and they advised me to still work with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company interest rate is very high on a XXXX dollar loan the rates is 675.88 % and fees every two weeks is XXXX and one payment miss it goes up to XXXX dollars iam like what thats not right and plus they using different loans id to debit my account and the force me to close my account because they said that they was n't legal and i need to contact the commissioner of ga.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine. I requested the debt to be validated and the proof sent to me. I have attempted to contact them a few times including certified mail. They never reply and continue to report to my credit report. 


I never received notification of this collection and only discovered this fraudulent account after checking my credit report for accuracy..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: North State Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft. I have disputed an account  with North state Acceptance and  they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: SECURITY FINANCE CORP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

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 2020-10-03
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: CA
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:
Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Elevate Recoveries, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from this number XXXX. They identified themselves as source receivables management. When I asked them what was this pertaining to they stated a business matter I asked what business and they hung up. I then decided to look this company up online and call them directly to see if it was legitimate. They answered and stated my name I asked why they were calling and they hung up. I called back 11 times and asked for a supervisor. They transferred me to an individual whos name I did not catch and asked if this was source receivables management and he stated you tell me you called us they refused to identify themselves and what they were calling about. I then requested if they cant verify then they need to send documents or something certified in regards to their request. He said theyre not going to do that. I would like them to stop contacting me if they have no reason to be contacting me. I have absolutely nothing in collections or owed anywhere on any credit report or entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX XXXX i reside at XXXX XXXX XXXX XXXX ma XXXX SS # XXXX received a call saying I'd be sued and wages will be garnished for a XXXX XXXX  XXXX  account from 2004. I do not owe this bill. I'm very confused I was XXXX then. I don't owe XXXX dollars plus this is Erie they had my ss number also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Clarity Services
State: TX
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:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation