BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

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 2016-07-19
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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:
XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.

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 2016-12-07
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX complaints : faulty billing practices and abusive practices experienced by employees of National Credit Systems. My account was forwarded to NCS in XXXX XXXX I assume ) after moving from XXXX at XXXX XXXX and having a balance due of {$210.00}. I did not receive the bill at my new address until well after the deadline to pay before being forwarded to a collection agency. 

I received the NCS 's contact information from XXXX at XXXX and called NCS XXXX to attempt to resolve. I have had XXXX interactions with NCS all have been a disaster. Represenatives are extremely rude, talking over me, and hostile - the manager hung up on me ( his name was XXXX XXXX XXXX although I was simply trying to report my interactions with XXXX earlier representatives and provide proof of payment. 

The second complaint involves their billing practices. I authorized an electronic check on XXXX/XXXX/2015, the funds were deducted by NCS on XXXX/XXXX/2015 yet I have not been given credit for the payment, I continue to receive collection calls, and have reengaged XXXX at XXXX XXXX, because I can get nowhere with these people. 

Last, they leave detailed threatening messages on my cell phone and voicemail such as " this is an attempt to collect a debt ... we may engage law enforcement ... ''. This is inappropriate and I doubt legal. 

The point of this complaint is to get assistance with getting credit for a payment made and to report their abuse practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Executive Acquisitions Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
On XXXX XXXX, 2015 XXXX XXXX called indicating that I owe XXXX XXXX XXXX an amount over {$500.00}. I asked where did he get that figure from and he said it 's allegedly what I owe plus fees. He further indicated that I committed fraud and that Ace will pursue me if I did n't make a payment that day. I asked him to clarify what he meant by pursue and he said that ACE would levy my bank accounts and paychecks. I mistakenly made a payment without researching his company which he failed to mention at the beginning of the call. He said I could settle the account by paying {$270.00} and I asked for an email stating that the account is resolved and that there would be no further obligation. I called back on XXXX XXXX because I had n't received the email. He said he would have his administrator send it in that moment. That e-mail never showed which is when I became suspicious. The number he called from was unlisted. I called XXXX and was told I allegedly owe {$250.00}, they had no idea who XXXX ( entity listed as taking the payment ) is and that a company called XXXX XXXX is handling the case but it could also be resolved on their website. I called my card company to start a chargeback and the company has refused to reverse the payment from XXXX attempts so far. I have been getting calls since then from XXXX XXXX which are saved to my voicemail. He XXXX stated I need to tell my sister there 's a problem with the payment. My sister has nothing to do with this situation. In the second call he says there 's an attempt for a chargeback to call back. Today XXXX XXXX, the number he calls from shows up on my caller ID as Executive Acquisition and when I look up the number it 's a cell phone. This time he says " they are going to press charges because you gave them a fake checking account and you committed fraud ''. This is indefinitely a false accusation. He does n't even say XXXX so who is he referring to when he says they? In addition, he fails to say his name or where he 's calling from but I recognize his voice because he 's the only person who 's been calling. At this point I do n't know who this company is or who they are representing. I 've also seen other complaints about all three of the above mentioned companies with the exception of XXXX. I want my {$270.00} back and will deal with XXXX directly. I need help to stop these people and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: National Credit Systems,Inc.
State: MO
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 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date . Wellsfargos pay  off valid through  XXXX   XXXX  have invalid descriptions such as  Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions  that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a collections account on my credit report that I dont believe is mine or was from well over 10 years ago. I was never contacted by the collections company before they added this to my credit report - no letters or any information was sent to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
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: Account information incorrect

Complaint:
According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).

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 2015-05-20
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In 2013 I had signed up for Paypal Bill me Later, then 2 months after applying and having the credit, I moved, and a few months later I get a phone call from Paypal saying that I " accidentally '' opened up XXXX accounts and that I must of done it by accident. When I moved I was still able to change my mailing address and purchase items. I dont know how the XXXX credit opened up. I would not have opened up XXXX credit cards with bill me later it doesnt make any sense, but they said it was done by accident and I still had to pay the late fees ( which I was never contacted about through mail ). When paypal called me telling me how much I owed they said they would help me by making the bill lower since I had opened the account by " accident ''. I paid whay they told me to pay just because I didnt want to have bad credit. Im not even sure if they closed that account up but I still have my originial account open which I use regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and XXXX XXXX address only a XXXX XXXX XXXX However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.

Company response to consumer: Closed
Consumer complaint received 2015-12-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I suddenly began receiving notices addressed to a variation of my name from a " Covington Credit '' demanding that I contact them to avoid repossession. I have never heard of Covington Credit - know nothing about them. I believe it began about a year ago - I returned the first few notices - marked " Not at this Address - Return to Sender. '' They continued to send demanding notices - so I sent a note to them telling them that I had never heard of them, that I would file a complaint if they did n't stop harassing me with threats of repossession. A few months went by - then I received the latest - a demanding Settlement Opportunity to " get me started on the road to better credit. ''

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 2017-02-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-28
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have checked my credit report and I do not have any delinquent, unpaid or unsettled debts. USI Solutions ( of which I see has a slew of current complaints against them ) has been harassing me, my boss, my husband and my husbands parents with threatening phone calls and calls at night, morning and all day long. 

They have found our cell phones, house phones and addresses and I know that is illegal. 

Years ago I settled a few bills and I think they bought that old debt and are trying to collect. 

I do n't know what to do to stop them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a bunch of private loans that I have been paying to XXXX and then to Navient since I graduated. All loans were taken out pretty much on a year basis. Now that I am repaying them I have yet to see my balance go down at all ( 8 years later ). My interest rates keep increasing. When I called I was told to enter the Forbearance program and even deferments. However, no one told me there would be interest and my payments would get even higher. In addition, they had processed a few payments over the years incorrectly and then charged me with " late fees '' and other fees added on top of my loan. I am currently paying {$860.00} a month. When I asked if I could release my co-signer they said no. No information on the process. I also got into a car accident in XXXX and XXXX with a doctors letter and received a handicap sticker for my car until XXXX. I was given no breaks in terms of paying my loan. If I did not pay, then they told me they were coming after everything I owed and my co-signer. So I continued to either stress to pay or enter in a forbearance. I was never explained the full details of entering into a " Private Loan ( s ) '' at the age of XXXX and never told that even your deferments/forbearance could run out. Which apparently mine has. They told me I am ineligible for anything else to help me and my situation. My dad had XXXX of the past year and I still had to come up with the payments. I have had my credit tarnished for years and they continued to raise my payments causing me to have to get behind a little but ALWAYS paying. I was told my loan because its a bunch of private loans can not be lowered and can go as high as {$2000.00} a month. Something I will not be able to afford. I did n't even know about the " Income Driven Repayment '' plan as they told me only what was available for private loans. I have n't seen my loan decrease since I got out of school yet my payments keep going up. At this rate I have another almost 25 years ( be in my XXXX ) until its paid off. I am complaining as I was not accurately informed of all of the above and then by the time they " changed their system '' and started informing you I was already out of options left to pay the full payment per month on auto-pay. Saving me nothing. I was also told I could not consolidate and nothing about forgiveness. I feel like I was lied to about all of the above and I want to know why my payments are not bringing my loan down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.

Company response to consumer: Closed with explanation