BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
they did not update or provide proper documentation as stated they would. very rude and unprofessional. they are the only company that would not or give information needed once debt was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Omega RMS, LLC
State: FL
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:
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-28
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently attempted to purchase my dream condo with the lender USAA. Consequently, the lender refused to honor both a verbal and written 45 days " Lock-In-Agreement. '' Instead of honoring the agreement, the company attempted unsuccessfully to change the terms. They increasingly became irritate about the situation and started falsely accusing me of not providing the information that they requested in an attempt to get out of the agreement. When that attempt did not work, they instructed me that I need to withdraw my application -- an application that they later admitted did not exist. I was unsuccessful in my goal to purchase the condo due to the company refusal to honor the " Lock-In-Agreement. '' Is there anything that I can do about the situation other than just complaining to your organization or suing? Please help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.

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 2015-06-06
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I work at XXXX XXXX, XXXX WA. About a month ago I received a phone call at my bosses office phone XXXX from XXXX Police. I was informed that there was a woman waiting for me and I had an appointment with her. I informed them that I had no appointments and did not know the person there. XXXX Police put the woman on the phone and she told me she was from Puget Sound Collections and wanted to meet with me. I told her on the phone that I was not allowed to receive calls at work and could not entertain her. I asked her to contact me at home and we could work out a solution to whatever problem there was. I then asked her not to call me at my work place again. I heard nothing from this company for about two weeks, until I received another call from them, again, at my workplace. I got there contact information and gave them mine and told them I could not receive phone calls at work and could they please stop and contact me at my home. I received a verbal warning from my supervisor about personal calls at that time. I had not heard anything from this company again for about XXXX weeks until today. I was at work, XXXX, XXXX. It was about XXXX when my supervisor came out to our jobsite and gave me a phone message that came into his office during the day shift. The message had my name on it and was from someone named XXXX from PSC, saying that they would be in the office until XXXX. I received another verbal warning from my supervisor about personal calls and was informed that if it continued I would get a written letter of warning. I feel that I am being harassed on my job and it could jeopardize my job. I also feel that this company contacting another shift supervisor could also impact my job. I have told the people from this company to please not call me at my work, but contact me at home and I feel that they are purposefully ignoring my request in an attempt to shame or embarrass me into paying. If they would contact me at home I am more than happy to discuss whatever bill they have and if it is legitimate then I will work out a payment plan with them, but if they continue to ignore my requests it could put my job in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I had a loan back in XXXX with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of XXXX they are saying my loan is in default and I have n't made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
CAPITAL ONE CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED  ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH CAPITAL ONE LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD XXXX  FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX on XXXX and Experian

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 2023-01-05
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Deceptive trade practices, Fraudulent misrepresentations during application process. On XX/XX/2023, I contacted Loan Depot for a refinance. I contacted them based on an advertised rate I found on XXXX. XXXX XXXX was the loan XXXX I was working with. I informed XXXX I was responding to advertisement I found on XXXX. She informed me that she could provide an even better offer if I was well qualified. I agreed to provide all the information she requested. She then proceeded to make me an offer that she presented as far better than what was advertised. I specifically asked her to reiterate the offer. She said I can get a 4.625 % rate on a 15 year fix loan with a {$7000.00} lender credit. I asked her twice to confirm that I heard her correct. She confirmed, but refused to provide an loan estimate unless I did the full application and gave her my credit card. Then I agreed to proceed with the full application. When I received the loan disclosures along with my application for signature, I noticed that there was no lender credit, but rather I was being CHARGED nearly {$25000.00} for points! I objected to this charge, and request the have the XXXX offer instead with zero points. In response, XXXX proceeded to lecture me about how much money I would save with her loan. She is dishonest, deceptive and a flat out liar. She should not be licensed to sell loans. I was conned into proceeding with an application on false pretenses. Luckily her company records all conversations. First, she plainly admitted that the XXXX ad was false to intentionally direct traffic to her company and that they would not honor that offer. Then she proceeded to apply deceptive and fraudulent tactics to overcharge me for points that I specifically and repeatedly told her I didn't want. This kind of behavior erodes the publics trust in institutional lending, is a deceptive marketing practice, and flat out fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} SXXXX XXXX account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Absolute Recovery Service has been resubmitting false information to the credit bureaus regarding an account I had with them. Every time the bureau delete this company off my report for inaccurate information or failure to respond in a reasonable time, Absolute Recovery Service would then unlawfully report similar information. I have proof and documents proving that this company has been tampering with information on more than once occasion, going as far as to changing year to date information. Under the Fair Reporting Credit Act that is not legal for a company to do so knowingly and willingly to a consumer. This company has done this on XXXX occasions. I have spoke with someone at Absolute Recovery Service and they refuse to correct the information. This collection company has added over {$500.00} more in unknown charges to the original amount said to be owed by the creditor.

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 2017-04-30
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a credit reporting alert from credit collection services.   The are trying to collect {$600.00} for  XXXX   XXXX .     I do n't have any accounts with  XXXX  or owe them any debt for services. I believe this is another instance of my identity thief ordering services using my credentials.     I called  XXXX  early this year (  XXXX   )  regarding the account but it has n't been resolved and I keep receiving collection notices and payment delinquency damages to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: The CBE Group, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robo calls from XXXX saying they are CBE and that we owe money. We have money and pay all our bills on time. They asked my husband for the last 4 of his social security number and would not tell us who we owe money to. Very fishy and a bad situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MS
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( {$230.00} ) plus a fee for the NSF bringing the total to {$270.00}. I arranged payment XXXX/XXXX/2016 for a payment on XXXX/XXXX/2016. Cash central instead pulled {$270.00} from my checking account on XXXX/XXXX/2016. The payment cleared because I had the funds to cover it. The company then again withdrew {$270.00} on XXXX/XXXX/16. When I sent screenshots of my bank account showing XXXX payment as cleared and XXXX as pending and a phone number to my bank ( XXXX bank who said that cash central could call to stop the pending transaction ), cash central refused and said I would have to send them proof once the second payment had cleared for {$270.00}. A customer service representative also told me on the phone that the company had no way of telling if the loan had been paid or not and I would need to prove both payments. All my correspondence happened with cash central on XXXX/XXXX/16. 
I am going to XXXX today to get a print out with their requirements to prove cash central took this payment twice but I do n't feel like I should have to prove that this company has stolen {$270.00} of my money. Their accounting is flawed or they simply want to steal people 's money b

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.

Company response to consumer: Closed