BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
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:
Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have had a loan with Check-n-Go for about six months.i pay them as best as I can, but lately I have had some financial hard times and some pay periods I have not been able to pay on time due to low funds from being out sick, XXXX. I contact the company to talk to them about my hardships to get assistance on making a double payment on the following pay period, but there is never any resolution with check-n-go.they continuously charge my bank account when no funds are available or before the designated due date of payment, and this causes excessive overdraft fees from my bank that makes it harder to pay the loan back, and even harder to handle my other household responsibilities.the interest is extremely high as well, and the company always claim im one payment behind and that is untrue.i feel like check-n-go is ripping me off.everytime I call its an argument with a specific representative. I have been a good customer and I 'm tired of the hassles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, I received a collection letter sometimes on or about XXXX XXXX 2015, from a company named GRANT & WEBER, stating a debt from a hospital, dating back to XXXX of 2015. I called this company and spoke with XXXX XXXX disputing this debt and followed that up in writing by mailing a copy of my dispute letter on XXXX/XXXX/2015 and also by fax on XXXX/XXXX/2015. Based on my notes, my balance was Zero after I had called the hospital in the month of XXXX of 2015. I requested copies and verification of the debt from GRANT & WEBER verbally and in writing. ( Copy is attached ) After my communication with GRANT & WEBER I never received any more correspondence even though I had the understanding from the representative that I will receive the documents I requested. I never received any response afterwards and that gave me the impression this company could not validate the alleged debt ; therefore, they did not bother to respond or follow up any further. Until last night that I received a notification from my credit monitoring agency that my credit profile was flagged by GRAND & WEBER and this is nearly one year after my last communications with this company. This company had acknowledged my demand for proof of debt and their authority, however, they never responded and failed to provide appropriate documents so that I would have my lawful and legitimate opportunity to review and examine this alleged debt and resolve the issue appropriately. 

I feel this company has acted maliciously and without warrant in this matter for flagging my credit file. This derogatory action on my credit is unjustified and premature. GRANT & WEBER did not act lawfully in this matter but, solely to satisfy the so called creditor in this case, by flagging my credit profile. This unjust action has caused a XXXX point drop in my credit score today which will immediately impact my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally malicious to force me to settle a claim that I had disputed. Another company had filed a claim regarding same and they could n't prove the debt and was thrown out. I DO NOT OWE thus there should not be a flag on my credit profile by GANT & WEBER until the debt it 's proven and resolution has been reached. Copy of the first letter by G & W, showing my notes on the letter and, my subsequent response is attached herein.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: FL
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-23
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX, new jersey XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Atlanticus Services Corporation
State: LA
Product: Credit card
Issue: Other fee

Complaint:
In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-11
Company: MRS BPO, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Parker & Associates
State: SC
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:
Call from XXXX asking for address to serve papers. Told me she hired by XXXX and XXXX At XXXX number is listed as unknown. Threatening court action if I do n't pay. Wo n't tell me anything about what this is about. I no what bills I have I am not behind. Stop threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-12
Company: Simon's Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus both as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. 

I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. 

My credit history and rating at the XXXX bureaus is flawless and good. 

Please get these people to cease and desist calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went in XXXX of 2015, to XXXX XXXX located at XXXX XXXX XXXX. XXXX, AL. XXXX due to some XXXX. XXXX XXXX XXXX suggested that I needed a procedure, so that they could determine what was going on. It was a non-invasive procedure. My mother and I met with the person who handles insurance at XXXX XXXX and she reassured us that XXXX XXXX XXXX XXXX would cover the charges for this procedure. She actually called the insurance company just to be one hundred percent certain. The only thing that we would have to pay would be the co-pay. The procedure was done at XXXX XXXX XXXX XXXX XXXX. by XXXX XXXX. 
However, soon after the procedure ; I received bill for approximately {$600.00}. I called XXXX XXXX XXXX XXXX and they said that the procedure was not covered under my insurance XXXX XXXX XXXX. It is now reporting with the debt collections agency Holloway Credit Solutions, XXXX. XXXX XXXX XXXX. # XXXX XXXX, AL. XXXX. 
I recently called XXXX XXXX XXXX XXXX and they stated that due to XXXX XXXX reporting me as ( XXXX ) which in medical terms mean that the patient has a lot of medical issues. I was XXXX XXXX XXXX at the time of the procedure, and had never had any other medical problems. He used the most expensive XXXX that 's only used for high risk patients based on the information given by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX also stated that they would have covered the charges if doctor XXXX would have not put me as a high risk patient. They also said that he either did it as a way to get more money, or the fact that I 'm XXXX XXXX which is ( racial bias ). 
They said that he he did n't have to put me fully under for this procedure due to me not having any previous medical conditions. That is the reason why I was left with a balance.

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