BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: Lendmark Financial Services
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Lendmark Financial Services has repeatedly harassed my family and I. They have violated my rights under the FDCPA rules. The following violations have occurred since I requested validation of this debt : The FDCPA considers repeat calls as harassment. [ 15 USC 1692d ] 806 ( 5 ) o Numerous calls have been placed to my phone ( XXXX ) as well as members of my family. 
Repeatedly call a third party to get your location information. The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [ 15 USC 1692b ] 804 ( 1 ) o A representative went to my mother 's home in a threatening manner and interrogated her about my whereabouts. I have never been out of touch with the office, therefore there was no reason to send a representative to my home. ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 
A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. [ 15 USC 1692g ] 809 ( b ) o I have repeatedly spoke to representatives that simply ignore my request for validation and continuously ask when I am going to make a payment, request me to enter the office repeatedly, and send letters demanding payment. 
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [ 15 USC 1692g ] 809 ( b ) o I have received numerous calls and written communication during the 30 day time frame, but no validation. 
Collectors ca n't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector can not or does not intend to take the action. [ 15 USC 1692e ] 807 ( 5 ) o By repeatedly calling and requesting that I return to the office and showing up at my home, Lendmark has left me feeling threatened and stalked. 

Furthermore, they referred my account to an attorney and filed a Warrant in Debt while failing to provide validation. XXXX Warrants in Debt came to my home in the same 30 day timeframe with different dates, in an attempt to further discredit my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: McNeil & Meyers Asset Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company, McNeil & Meyers Receivables Management Group LLC of XXXX LA alleges I owe a company {$2000.00} for some service that was never rendered to me. They were representing a creditor who I have worked with in the past but due to them not actually performing their obligations to me, stopped paying. The collection company refuses to prove how they actually acquired this debt or how they came up with the number owed. 

Today on XX/XX/2023, I wrote to the company and their managing partner XXXX XXXX as above explaining that I do not owe anything to the creditor they are servicing on until they actually get the documentation proving that I am the signatory on the debt and a clear accounting of the debt. They refuse to give me anything as they said " we are merely a servicer '' which is vague. 

In the last email, the person who I was communicating with, I offered a settlement of {$100.00} even though I owe XXXX to the creditor to get them off my back and they refuse to discuss anything other than they will continue to report erroneous information to the credit bureaus and deliberately harm my reputation. They continue to behave like a child over this matter and I want to speak to a competent functioning adult who will treat me with respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, their representative Shermeta Law Group refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, XXXX XXXX made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
XXXX XXXX refused to acknowledge any issues and upon request, sent inaccurate information in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BAS Receivable Management Inc.
State: CO
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:
I received a debt collection by Bonded Adjusting Service XXXX Co XXXX Local number XXXX for a client XXXX Hospitalists. I have never been in the hospital in XXXX. They are attempting to collect the debt for {$440.00}. There is no record that my health insurance company receive the claim from XXXX Hospitalists. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, I had a balance of XXXX} on Citi card account ending in XXXX. The 0 % interest offer was set to end XXXX XXXX XXXX, 2021, I took out a 0 % XXXX card to transfer the amount which included a three % transfer fee. On XX/XX/XXXX, I was told by XXXX  that the transfer could not occur for 8 to 10 days, which was past the 0 % date for Citi card. I did not want to pay accrued interest on Citi card so I transferred {XXXX} from my HELOC with XXXX XXXX XXXX XXXX XXXX and paid it off on or about XXXX. I contacted XXXX and requested a cancellation of the transfer but they said they couldn't cancel the request and the actual transfer went through on XX/XX/XXXX. I now have a credit balance of {XXXX} with Citi card. I requested on XX/XX/XXXX that this be returned to my bank. I was told it would take 2-3 working days to return the funds. On XXXX first I called Citi card and was told it would take 7 days to return the funds. On XX/XX/XXXX I called Citi card and was told it would take 7-14 days to return the funds. 

The funds have cleared my bank. There is no legitimate reason for Citicard to hold my money. It can be returned to my account with the push of a button. They are getting interest on my XXXX} and I am paying interest on it. Please help expedite the return of my money. 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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX. XXXX XXXX XXXX is paid in full and should be removed /deleted. This account is posted multiple times with XXXX, Transunion and XXXX. 
XXXX. XXXX XXXXXXXX XXXX is reporting multiple times as well on XXXX, Transunion and XXXX XXXX XXXX XXXX is reporting multiple times XXXX, XXXX and Transunion. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My wife had a car loan through Ally Financial an online bank. She passed away in XX/XX/XXXX. The car was repossessed in XXXX at which time to get it back the loan was paid in full. I have never received the title or a release of XXXX to get the car registered to me. I went to the Ohio title bureau in XX/XX/XXXX to request a replacement title. They said it still showed a XXXX on the car. Ive called Ally numerous times since then and they do show the car is paid in full. They have said theyve mailed the title/release, that theyre going to mail it and XXXX get it in a week to XXXX days ( I, havent ). I get transferred to numerous people and departments to no avail. The plates on the car expire soon and XXXX be stuck with a car I cant or shouldnt drive because of their negligence. The car is or should be legally mine but I cant prove that since I dont have the proper papers. The loan was in my XXXX name only, XXXX XXXX XXXX for a XXXX XXXX XXXX. I would tell anyone not to do business with Ally Financial

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX. I was contacted first by someone claiming to be a process server. They stated I was being sued in civil court regarding a Chase credit card, which Ive never had. He gave me a number to call XXXX who stated the same information. Claiming they were going to put a lien against my new vehicle. My concern is they were able to tell me the last 4 digits of my social security number, the make, model and year of my current vehicle, my current address and a previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: FIRST HORIZON BANK
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Around XXXX, I moved into a new apartment. After changing my address, my First Tennessee Bank XXXX Card ( Prepaid debit ) was locked for security reasons. I called in shortly after to unlock my account, and it had to be escalated to a security team. I never heard back from them about this, but my account remained locked. 

In late XXXX, I called back in to try and get this issue settled XXXX and for all. They, once again, escalated my account to the same security team. I was told to call back after 5 business days to see what updates had been made on my account. A week or so later, I called back in and the customer service rep told me to wait a couple more days to see if an update goes through. 

A few days later, I called again, and the rep then said she would escalate my account again because there had been no such update. Five business days later, I call in and the rep says that she does n't see the second escalation, but then does re-escalate my issue. 

I 'm honestly unsure which rep told me this, but I was informed that the issue was that they could not verify my previous address ( but this was n't an issue until I changed my address to my new apartment ). This rep asked for my old address and said that she sent it in with the escalation. 

Five more business days later, I call in again, and the rep is flabbergasted and says that my account has been escalated twice and there is still no update. She said she would notify her superior regarding the issue and to call back today ( XXXX XXXX, 3 business days later ) to see if there is any update. Of course, the rep told me that the escalations can take up to 3-5 days and to call back after a little more time. 

This is unacceptable. I have been unable to access my funds ( & gt ; {$500.00} ) for months now because my account is locked and nothing the reps seem to do makes any progress towards unlocking it. To make matters worse, there 's a XXXX $ monthly fee that might be being charged to me even though I ca n't access my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MO
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:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.

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 2016-12-09
Company: FIRST HORIZON BANK
State: TN
Product: Credit card
Issue: Other fee

Complaint:
I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: FIRST HORIZON BANK
State: MS
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX, 2016 my First Tennessee XXXX XXXX debit card ( XXXX ) was closed without notice or reason. I received an email from the company stating they will hold my money for 30 days, and then issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XX/XX/2023 its reporting a charge off/collections when the lease was paid off to 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/2023 its reporting a charge off/collections when the lease was paid off to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Comerica
State: CO
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Overdraft, savings or rewards features

Complaint:
This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Pinnacle Credit Services, LLC
State: AZ
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 settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/ Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation