BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Dream Center Education Holdings
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 1997 I was XXXX, just had a baby and just received my XXXX I thought the best choice for me would be to get further education. I saw an advertisement for both XXXX tech and The XXXX XXXX of XXXX. I set up tours to both schools. XXXX XXXX XXXX told me that they would recommended that I NOT enroll at that time due to my age and the fact that I just had a baby. I then went on a tour at the XXXX XXXX. I remember the recruiter stating that the only way I can go to school there is if I claim independence from my parents. At the time I lived with my grandparents and they supported me and acted as parents. The recruiter stated that all I had to do is write an essay explaining that I was independent of my parents then their income would not be counted. The recruiter then helped me write this essay so that a loan could be issued. I was in class less than 4 days later. I graduated at the age of XXXX and attempted to find a job. I went on several interviews and was told that I was too young to work around the equipment and that it would be a liability to hire me. The career office never assisted me and I ended up getting a job as a XXXX and never using my diploma. I have yet to have a job in my area of study to this day. I feel that at the age of XXXX I was misled and taken advantage of. I have since then went back to school and was able to find a career in XXXX. Over the years I have told every single loan servicer my story. I have been informed that I was at the age of majority and therefore able to legally sign a contract, even though I was a minor. In recent years the DOJ has sued XXXX XXXX XXXX XXXX XXXX for improper recruiting techniques. There is also a judgement stemming from a lawsuit that recruiters were given incentives to enroll students. I believe this practice is the very reason that I was urged to write that essay and allowed to obtain a loan worth over {$10000.00} at the age of XXXX. Some students are getting their loans forgiven because of this judgment. I fear that I will not be included as my loan was obtained in 1997 which is before the time period of the lawsuit. This is my first step in the process of seeking assistance in this matter. I would like my loan forgiven on the basis that I was a victim of improper recruiting techniques and that I was in essence manipulated to write an essay that was filled with half truths in order for the recruiter to obtain a bonus or increase enrollment numbers. This was not done in the best interest of the student but rather the best interest of a For-Profit college. The recruiters at The XXXX XXXX of XXXX should be held accountable for their actions and my loan should be forgiven. Thank you for any help you can provide in the matter as it is not clear how one would go about applying for debt forgiveness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I wanted to order a credit report with Equifax. They only offer an ongoing service that charges your credit card every month but they say you can cancel at any time. What they do n't tell you is that you ca n't cancel online and you have to call so they can try to talk you out of cancelling. I think that ANY company that allows you to order a product online that is subscription based should be REQUIRED to allow you to easily cancel online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Optimum Outcomes, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2015, after calling XXXX Hospital to set up a payment plan for a bill for my children, I was referred to Optimum Outcomes by XXXX from XXXX billing to arrange a payment plan. I spoke with XXXX at Optimum Outcomes. We discussed a payment plan for {$60.00} per month but later that day I had {$640.00} debited from my bank account. I did not authorize this amount to be debited. Imagine my distress when I saw they debited {$580.00} more than they were allowed to. I find this to be an illegal activity and as such have reported the company to the BBB and sent a complaint to XXXX. I feel I was robbed. I called the company and spoke with XXXX and was given the run around. No company should be allowed to do this to someone. It is detrimental to my family and my health as it has created a great deal of stress and financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Harvard Collections, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/19- My father with the same last name failed to pay his medical debt for medical practice 'XXXX XXXX XXXX XXXX '. My father failed to pay {$510.00}. This debt was placed on my credit report and has hurt my credit substantially. 
Capital Accounts LLC XXXX XXXX XXXX XXXX TN XXXX : ( XXXX ) XXXX is the debt collector that placed this on my credit report. I called them and they verified I did NOT have an account with my DOB or SSN. I told them that they incorrectly placed a negative report on my credit, and they stated they submitted correct information, to contact credit bureau. I submitted dispute with XXXX online, and they " confirmed '' it belong to me when it does not. 

I asked Capital Accounts for proof that I did not have an account with them, but they state they can not help me with that since I do not owe them anything. Due to their mistake in reporting, I will now have to hire lawyer to get this off of my record. This practice is not fair and needs to be rectified.

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 non-monetary relief
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kinum, Inc. Corporate Headquarters XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Initial call from a XXXX XXXX CEO from kinum.com, said straight up is this " Insert Name '' with Social Security Number such and such. If wrong number, peoples identity were compromised. Never said hello, or anything to alert the other person on the end of the call what call was about. If wrong person ( cell numbers change often ), private social security number and name could have been used to create fake identity from a 3rd party.
He threatened to steal my identity and ruin my credit. Told him he had the wrong person.
I later had my Debit card compromised. My bank put a security hold on it, and I had to get a new card.
He called my work multiple times, after I told him not to, and interrupted my work. He kept leaving voice mails at my work also, I saved the last voicemail on XXXX XXXX, 2017. Even after I told him not to. I have other voice mails also from him after I told him to stop calling with time stamps, and numbers of origin.
I also told him to stop calling me on my personal number, and also to stop calling my work. I have records on my personal phone of multiple calls from him and his multiple fake VOIP ( Voice over internet protocol ) phone calls. And also record of voicemail at my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Several months ago my car was totalled. I have been trying to pay off the remaining balance of the loan ever since. I can never get through to the total loss department at Bbva. Every time I try I am on hold for something like 20 minutes and then the ivr hangs up on me stating they are unable to handle my call and to try later. Eventually I decided to just wait for all the insurance companies to finish their work and see where I stand. Once all was done the app showed a principle balance of about {$180.00} and a payment due of like {$40.00} or {$50.00}. That was last month. Evidently that wasn't the right. This month I see a late charge of {$21.00} has been applied. So I downloaded an actual statement and find to my surprise I actually had over {$400.00} due. Recall the app only showed a payment due of like {$40.00}. Now I owe {$310.00} and the app says my payment due is {$67.00}. This is very misleading and deceptive. The app is lying about the payment due. I tried to at least get the late fee waived due to the error but again could not get through to the only department that is allowed to help me, the Total Loss Team. I did talk to several other reps but no one could or would help. They just kept transferring me back to total loss where I would be hung up on. I have sent payment for the full amount due by mail this time, no longer relying on bbva 's app or website. I would have preferred to pay by phone or in person but again I'm only allowed to work with total loss and I can never reach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this collection company sent me a letter saying that I owe this company money. which I do not. the name is XXXX series a.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a legal letter from the attorney 's that this debt was satisfied in court on XX/XX/2012. I paid {$1500.00} to XXXX to satisfy this debt, and a judge declared that I do not owe anymore money to XXXX, but they reported to all three credit bureaus that I owe a balance of over {$4000.00}. I have faxed the collection agency proof from the court house that I have a {$0.00} balance, but they stopped returning my phone calls since I faxed the legal forms. My lease ended at my old house three weeks ago and now I am homeless, because no other apartment will rent to me. The inaccurate information reported by this company has caused a huge crisis for my year old son and I. XXXX XXXX will not return y calls anymore to remove this negative collection that is preventing me for providing a roof over my childs head. I have disputed this and XXXX has deleted it, but Equifax , and XXXX did not delete this item. So I have now uploaded the legal letter to XXXX and Equifax from that companies attorney 's office. The law firm that represented XXXX XXXX wrote this certified letter that I do not owe XXXX any money and that my credit report should be updated to reflect these record on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
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:
An account with XXXX was sent to collections and is now reporting to my credit report. Convergent Outsourcing Inc . This is the XXXX collection agency. At the time that I ended my services with XXXX I canceled my service and was n't under a contact. So there was n't an early termination fee. After the collection reported I called XXXX to inquire about the charges. The nice representative was n't able to give me much information and unable to send me a bill that stated what these charges were for. She did tell me that my account was now being handled by Convergent. XXXX was not able to verify this debt and the accrued charges AFTER I canceled my services. The Federal Trade Commision alleges that XXXX was billing and Cramming bogus charges to its customers. I believe I am a victim of this unfair practice. 

Without proper verification of debt and XXXX not being able to tell me exactly what these charges are for I am requesting that they remove stop all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and Equifax and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, because my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.

Company response to consumer: Closed with explanation