BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.

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 monetary relief
Consumer complaint received 2016-02-24
Company: Resurgent Capital Services L.P.
State: MN
Product: Credit card
Issue: APR or interest rate

Complaint:
LVNV Funding LLC purchased a charge off account from XXXX in XXXX. The original balance was {$11000.00}. This account was never in litigation and I have never been contacted by this company. The current reporting of the account is {$22000.00}, which has doubled since XXXX. I believe the company working the account to be compounding interest/fees incorrectly/illegally. I am trying to settle on the original amount of {$11000.00}. I understand due to the age of the account, legally the company can no longer enforce payment, however I would like to settle to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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 2015-06-08
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AFNI INC.
State: NE
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:
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Continental Finance Company, LLC
State: MI
Product: Credit card
Issue: Other

Complaint:
About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: The Best Service Co.,Inc
State: CA
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 was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
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:
According to 15 USC 1692, I do not owe any debt because I am the consumer and I'm not obligated to pay. I am the consumer, NO ONE CAN VALIDATE MY DEBT BUT ME. Ive disputed over and over that the debt is not mine. Ive asked for documentation! Nothing has been sent. I, now, demand you to remove ALL information pertaining to me. Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. I DID NOT give you permission to report anything on me! Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all accounts according to my written instructions. Ive contacted you multiple times to dispute items that are not mine as my identity was stolen and you refused to remove. Remove all information in 4 business days according to 15 USC 1681c2! These are the laws! YOU WILL NOT XXXX ME WITH DEBT THAT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX.

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 2015-10-14
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt. 
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
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 was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and XXXX XXXX.

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 2015-04-22
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get phone calls from a company XXXX XXXX, XXXX. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Oracle Financial Group LLC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is from Green Tree about a double wide that was gave back to them, they sold it for just XXXX dollars and told us that we own XXXX to them. We set up a payment plan of XXXX a month and then they called back after a year and we have to started making XXXX dollars a month. Each month we have been faithful in paying what we set up with them and they have been cashing the checks every month. We received a letter from them stating that we own XXXX and they wanted it in full by the XX/XX/XXXX. I called and got XXXX and she was telling me we did not set up a payment with them. And that every 6 months we need to re-set it up. My problem is this is the first letter that we have gotten in about 4 years from them. She was telling me that we need to fill out a financial statement and mail it back to the company, she is suppose to be mailing one out. She basely threaten us that if we did not mail it back. We have to pay it in full by XX/XX/XXXX. My question is this if this was true then why have they not call us or quit cashing our checks. We have proably been paying on this debt for about 9 years and now they are threatening us. We are doing the best we can do and we are trying to pay for this double wide that they sold for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently printed a credit report and as I was looking at the statement, i noticed some that were not mine. there were XXXX debts that ended up as collections that i do not remember having.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about Sunrise Credit Services Inc, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX. 

In XXXX of this year the above-named collections agency started reporting derogatory collections information on my credit files to XXXX XXXX without prior contact with me. Upon receiving alerts by credit monitoring services about this negative information I contacted Sunrise Credit Services Inc. in writing via USPS certified letter/return receipt ( signed for XX/XX/2021 ) disputing the debt and requesting no telephone contact. In return Sunrise Credit Services Inc provided me with a generic bill for TV and Internet services from XXXX XXXX XXXX with a similar name to mine and a service address in the state of Texas. Please note the following : I have not done any business with XXXX XXXX XXXX, ever! I do not have any family, friends or ties in the state of Texas where this service address is located. I do not have any indication at this point that I am the victim of identity theft. The name on the bill although similar it is not exactly mine. The address where these services were provided it is not nor has it ever been associated with me in any way. It is the Collections Agencies themselves who report the address on the delinquent account to the credit bureaus so it comes up as verified when disputed. Since receiving my letter, Sunrise Credit Services Inc. has escalated their efforts to report negative information to my credit file now to all three major credit bureaus. Sunrise Credit Services Inc has made no mention on my credit file of my dispute and has made several calls to my mobile number in clear violation of the FDCPA. A similar name should not be evidence for anyone to ruin a more than 15 years old spotless credit file like mine. I hereby challenge Sunrise Credit Services Inc or XXXX XXXX XXXX to produce proof that this debt belongs to me. In the absence of proof which is 100 % the case I demand Sunrise Credit Services Inc to stop reporting and delete all derogatory collections information regarding this debt on my credit files.

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 2016-11-23
Company: Creditors Specialty Service Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a telephone call today around XXXX on my cell phone asking for someone other than me. I explained they had the wrong number and then they stated that they just received my number and then said my name. This automatically put me into a panic because they originally had asked for someone else. They never once stated their business name only stating that they were attempting to arrange financial arrangements for a debt from XXXX in California in the amount of XXXX $ and wanted to see how i would go about paying for this today XXXX/XXXX/16 Or they were going to report this debt on my credit and ruin my credit if this was not paid. I told them I would call them back because I 'm not aware of this debt. I called XXXX at XXXX and a man answered the phone CCS. I wa put on hold and then transferred to a rude man by the name of XXXX who kept saying your name is on the paper so you are responsible. my credit is not great but I 'm working on that and I find this unfair and also illegal because no one has the right to threaten you to get you to pay a debt from over 3 years ago. Thank you

Company response to consumer: Closed with non-monetary relief