BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recently i filled a complain this company that has been harrasing me for years know they responded that debt is valid and also said " XXXX XXXX XXXX has made many nuisance complaints over the years : which only shows what kind of company this is the fcra states that C. Consumer reporting agencies may not report outdated negative information. 
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old which this company is in clear violation of please see attachment please help me stop this company violation of my rights since my last complain # XXXX not only have they not removed there illegal reporting but also reported me again to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased tickets for a trip that was supposed to happen XXXX 2020. XXXX cancelled my tickets due to the pandemic. I request a refund from XXXX but I never received it. I asked my bank to intervene. I opened a claim and sent information several times. They still haven't resolved my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
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 was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

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 2016-02-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Midland Funding LLC XXXX XXXX XXXX XXXX Bank, by their attorneys, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY, sued me in District Court, but never served me with the court paperwork. I later found out that they were reporting a default judgment on my credit report. I never even knew they obtained any judgment against me. I was never provided with notice or given an opportunity to defend myself against this case. I was able to get a copy of the Affidavit of Service from the court, and the information in the Affidavit of Service claims that a person was served at my residence, but it was not me. In addition, the purported person does not even exist. Nobody at my residence fits the description of the person allegedly given the paperwork. Also, the affidavit says that the summons and complaint were mailed to me. This is also not true. Nobody in my household was ever served with the court papers, and the court papers were never mailed to me. In addition, I did not get a copy of the motion papers seeking the default. Nor, did I receive a copy of the judgment. I only found out about this because of they had reported the default judgment to the credit reporting agencies and now there is a serious blemish on my credit report, which is entirely fraudulent. The process serving agency listed on the Affidavit of Service is XXXX XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld Systems Inc. sent me a letter regarding an owed balance of {$300.00} with a request for me to mail payment to " apology letter tenet. '' I attempted to call to inquire about said debt, and the person I spoke to could find no record of my account number provided on my bill. After she requested further personal information, I felt uneasy about continuing the conversation. I am not delinquent on any debt currently, and I 've never been made privy to this amount by any company or medical office. The only notice I 've been given about owing this amount came from Transworld Systems Inc . This company is violating the Fair Debt Collection Practices Act because they are using deceptive practices to obtain money for a debt that they ca n't prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We used a purchase money second in XXXX of {$150000.00} to avoid property mortgage insurance. Both predatory loans originated with XXXX, transferred to XXXX, and then XXXX went to XXXX and XXXX to Specialized Loan Servicing. XXXX modified our XXXX and said they were doing the XXXX. We received a welcome letter from XXXX bank and called XXXX to ask about our modification. XXXX told us to shred welcome letter and that it was a scam. Reassured us that XXXX was in for modification. XXXX said we needed to file a bankruptcy in order to initiate modification of our XXXX. We filed a Chapter XXXX in XXXX, called SLS in XXXX to resolve situation of modification with them. They wanted a lump sum buyout and would n't talk to us due to bankruptcy even though our attorneys sent in an authorization for them to speak directly with us and even though BAC did modification on our XXXX when we already filed bankruptcy. SLS capitalized the interest on the loan to where it 's approximately {$40000.00} above the original {$150000.00} borrowed loan amount. After our discharge on XXXX/XXXX/XXXX, XXXX offered a structured settlement to pay back approximately {$190000.00}, but they have n't put offer in writing. We 've requested a QWR and a forensic audit of the file from date of inception of loan, and XXXX has refused in writing to supply this documentation. Please see lengthy attached paperwork including letters to XXXX Office of the President, Office of Comptroller of the Currency, XXXX XXXX 's office to try and resolve our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: PA
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-14
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, 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 non-monetary relief
Consumer complaint received 2016-10-20
Company: Collection Bureau of the Hudson Valley, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
number, and I had a debt from XXXX recently placed on my credit karma account without being notified by collections company Collection Bureau of Hudson Va.that I owed this debt. I called them and asked them about the debt, and why I was never notified. They said I had been but the address they had was incorrect I than asked if they had a current phone number, and they did. I then asked why I was n't notified by phone and they did n't have an answer. I immediately paid the bill which was the date of XXXX/XXXX/XXXX and the exact amount of {$120.00}. The bill is still in collection on my account and has n't been marked paid, I would like to know how they can mark my account without properly notifying me. If you can contact me my email XXXXXXXXXXXX, thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: IQOR US INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank has charged my business account for QuickBooks service without my permission. I had subscribed to this service on one of my business accounts. I subsequently closed that account. 
Without notice to me or any specific permission from me, Wells Fargo began billing for their QuickBooks services on a separate account. I never asked for this service on that account and they claim that my consenting to the service on one account constituted consent for any other account which I had open.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I had a number of fraudulent hard inquiries on my credit report within the last 2 years. They are likely the result of identity theft. 

They inquiries were from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be more but this is all I can recall.

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 2017-03-17
Company: FIRST HORIZON BANK
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank is withholding funds equal to an amount of altered check. I notified the bank of the altered amount on the day it cleared my account ( XX/XX/2017 ) in accordance with U.C.C. Article 4-406. The bank has told me that the funds are not available to me due to Breach of Warranty but can not tell me what warranty I have breached. The bank will also not give me a date on when the funds will be available to me, and will not even guarantee that I will get the funds back at all. The bank should not have honored the check for more than the legal ( long-hand ) amount and because it was not endorsed by the payee. I believe the bank is in violation of U.C.C. Article 4. I do not see anywhere in Article 4 ( or ECCHO rule 9 ) that gives the bank the authority to withhold, and certainly not, to refuse indefinitely access to my funds since I provided timely notification and the check should not have been honored in the first place. It is unfair that the bank has use of my funds to compensate them for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: LOAN TO LEARN
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Loan to Learn has reported negative information on my credit report that is not true and will not respond to correspondence to remove from my credit bureau reports. I requested a deferment on payments since the student was still in school. We showed proper documentation however they sent our loan into collection with a private group located in California. We have been making payments to this law firm for 2.5 years on time yet Loan to Learn is still showing that we have not made any payments on my credit bureau 's thereby hurting my credit score and impacting my ability to acquire credit and hurting my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online with first Tennessee national bank it required a {$50.00} account balance to open it so I transferred {$50.00} from my financial institution to first Tennessee national bank they process my account they sent me a debit card with all the new account information A little bit of time passed I received a letter in the mail that based on a previous relationship that we have had they were not able to honor my account and they would refund my {$50.00} within 10 days of receiving the letter that was at the end of XXXX I called today XX/XX/XXXX to check on my {$50.00} and they told me that they the recovery department intercepted my {$50.00} for a balance owing that I had when I was a joint account holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
i had a loan at western finance in XXXX texas. they closed and sold my loan to sun loan without notifying me XXXX. i had no idea until i went and the building was empty. do i still owe this loan to the new creditor since i didnt sign papers with them or know they were taking over my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Pinnacle Credit Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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