BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Kross.Lieberman and Stone is shown on my credit report as the debt collector XXXX for a XXXX medical collection. I did visit XXXX on XXXX/XXXX/XXXX and my insurance company was supposed to pay and did n't. XXXX collected my {$30.00} co-pay at the time of service. The total bill was {$320.00} but Kross/Lieberman has reported an outstanding balance of {$420.00} on my credit report. I wrote XXXX on XXXX/XXXX/XXXX offering to settle for {$150.00} but have yet to hear from them on my settlement offer. I battled with my insurer, XXXX of NC, for years to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
I have incorrect information listed on credit report. I have disputed online and via mail with no results. The following accounts are listed incorrectly XXXX XXXX XXXX which is an account that has been deleted and removed for over 7/8 years and also XXXX XXXX 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 2015-10-23
Company: CREDIGY USA CORP.
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I defaulted on an auto loan with XXXX XXXX XX/XX/XXXX, XXXX claimed it was sold to them, then Main Street Acquisition claimed they purchased the debt. In XXXX XXXX, Main Street was compelled to delete its account from my credit report because they could not produce a valid assignment and/or proof they had the right to collect the debt. Immediately after Main Street deleted its account, XXXX XXXX XXXX began reporting the same debt claiming title to the same. 

By certified mail dated XXXX XXXX I demanded verification of ownership and the right to collect the debt. On XXXX XXXX, XXXX XXXX XXXX produced a copy of the original paperwork from XXXX, but no copies of any assignments or any other document substantiating, proving or evidencing their right to collect or report the debt to the collection agency. In addition, they are purposely omitting the last payment date information to the credit agency to make the debt appear recent when in fact the statute of limitation ran out on XX/XX/XXXX I consider the omission to be a fraudulent misrepresentation of the legal status of the debt in violation of the Fair Debt Collection Practices Act 15 USC 1692e ( 2 ) AFinally, XXXX XXXX XXXX 's attempt to brush off the verification of title ownership by merely providing copies of the original contract is clearly unresponsive to my request for verification of their alleged rights to collect or report the debt. If they are not able to produce evidence ( not a self serving statement ), actual documented evidence of an assignment, transfer or sale establishing a chain of title back to the original creditor, I demand deletion of their reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

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 2017-02-16
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today I answered a call from a local telephone number. The man identified himself as XXXX ( without a company name ), and advised me my call could be recorded. He then asked me to verify personal information over the phone in order to discuss a " debt '' which he would not disclose the creditor information. I refused to acknowledge or verify any personal information and asked him to kindly send any pertaining documents to the address he claimed to have on file. He became extremely aggressive and told me that he had my entire social security number in front of him. I politely asked him not to disclose personal information to me since I would not verify I was the person they were calling for. He kept me on the phone for several minutes with a threatening demeanor trying to get me to verify my information, when I continued to decline he indicated that the matter could be settled in court without my cooperation. I asked him the name of his company and he replied " Dynamic Recovery Solutions '', I again asked him to send the information on the supposed debt to the home address on file and he snapped that they already had and I was " ignoring '' them. He asked me for an email address to send the information to and I again refused. He accused me of being " counterproductive ''. I told him I was following the advice of my attorney and not releasing or acknowledging personal facts over the phone and thanked him and told him to have a nice day. I checked my credit report and I do not have a collections account with this company. I believe they were trying to scam me based off an old debt that has either been settled or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020, Sunday at XXXX an intimidating, XXXX man showed up at my door.He had no identification and was wearing plain clothes. He stated he was from XXXX XXXX. ( Not GAT ) I told him through the door to leave the mail in floor in front of my door. I have attached what he left on my door mat. 

Misrepresented Court Documentation Please note : The man left a loose packet of papers. There was no envelope.The paperwork says Summons. There is no summons number. There is no notice to appear report date, time, or location. The packet is missing a page ( s ) as noted by the remnants of a page ( s ) still being attached to the stapler on the left side of the paper. The document is in different fonts and sizes. 
Apparently, this case was filed on XX/XX/XXXX.The response ( see attached ) to my first letter states that I must respond before XX/XX/2020. How could this case be filed in court prior to the required response date? 
Also, it is XX/XX/2020. I have not received a response to my second certified correspondence ( sent in XXXX ) asking to resolve this amount for 15 % of the amount you are asking, due to me being non-renewed at my job. 
I also shared that the original debt bought by your client was due to Hurricane Harvey. My family and I had to relocate and I ended up filing for unemployment. The documentation that you previously provided does not justify the amount that you are stating that I owe. The amount that you are seeking is inflated considerably. I do not have the money you seek. 
I am asking that you cease communication with me or send official Court Correspondence. The packet you sent ( with pages missing ) did not provide me any documentation regarding the court report date or time to appear. It is missing a summons number, which will make it hard for the court to identify the case. If I fail to appear a warrant will be issued for my arrest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Autovest, L.L.C.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when Autovest says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade first financial also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I spoke to a capital one rep that agreed to not report my Credit card payment late due to covid. Sadly they lied. I called them to let them know that it still showed on my credit and I was disappointed by this because I was informed that it wouldnt. I was then told its nothing they can do but I can file a dispute. The account is paid in full as I told them it would be before the next bill was due. I would like for the late payment to be removed because I was told i would not be penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2015-06-08
Company: Creekside Recovery And Capital Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX different occasions a person who identifies himself as " XXXX XXXX '' leaves a very intimidating message for someone ( not me ) that they " had better be at '' and leaves an address to receive paperwork he has. He left the phone number XXXX if I was not going to be available. I contacted this number and spoke to XXXX different individuals, telling them I was not the person they were looking for and wanted my contact information removed from their data base. They refused to do so. XXXX of the phone calls was at XXXX XXXX. I have read on an internet search that this is a very standard practice for this company, please do something about it - Creekside Recovery and Capital Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Calling a household in which I never lived

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm trying to close an account with USAA that I used to share with my wife. Even after removing her from the account things she had on auto draft still continue to try to be taken out of my account causing overdraft fees. I just paid {$280.00} in overdraft fees and I'm trying to close the account because I'm not using the account and it's just accumulating overdraft fees which I think is robbery considering I'm a XXXX veteran on a fixed income and this is supposed to be a bank for military personnel

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Debt Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.

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 2019-02-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my annual re-certification on XX/XX/XXXX. I provided all documents including a paycheck stub from my employer ( XXXX XXXX XXXX XXXX XXXX ) and noticed the payments were recalculated INCORRECTLY ( {$260.00} ). They are not following the LAW and calculating the payments based on line one of my paycheck stub which shows my XXXX XXXX monthly pay. They are not properly deducting my TSP contribution. 

I called on multiple occasions throughout XXXX and XXXX of XXXX and spoke with supervisors who told me I could not speak with the employees who perform the calculations to understand what was wrong. The supervisor called the loan processors and they said that I needed to resubmit my pay stub and identify which items are taxable and which should be deducted. 

I resubmitted my paycheck stub with clear calculations and indications as to what is taxable and what should be deducted. The recalculated my paycheck on XX/XX/XXXX again without performing any deductions. The new payment is {$410.00} which is drastically above what it should be. The company refuses to tell me how they are calculating my payments and in my opinion, are breaking the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago. 
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report. 
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX I had consolidated my debt with major bank companies using XXXX XXXX XXXX. As of XX/XX/XXXX, with only {$4000.00} left out of the initial $ 11,000+ I had in debt, XXXX had to drop me due to my unemployment status. I had worked with other banks on understanding specific information about my employment status and how I have been working on these bills and has reflected when these banks had worked with my by differing these payments and nullifying any compounding interest. Citibank took another approach, and had been exponentially raising their price. I had received a personal check from my father which was not in the window of my claim for unemployment insurance, and had hoped this would help get them specifically off me and lower their insanely high minimal payment due to the late duration. They had agreed verbally, but then I suddenly stopped receiving my unemployment benefits. I had asked my father again to help with a check but the check was held, and still is, until the XXXX. Given no reason as to why, the Citibank minimum payment has compounded and raised to a ridiculous amount and is not plausible to me anymore to make as a payment while still making a payment on my other bank accounts. Citigroup is known to have a plutotomy style driven goal for their future, and they see this horrible pandemic as a gateway to their ultimate purpose. Please understand that I am trying, and I am working closely with IDES and my old employer to get my funds in order and Citigroup has made it nothing but difficult.

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 2016-09-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation