BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: Financial Management Solutions, LLC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.

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 2015-11-02
Company: Northland Group Inc
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: Credit Protection Association, L.P.
State: FL
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:
I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Credit Protection Association, L.P.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: Credit Protection Association, L.P.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is not mine. Debt is also showing up on my credit report 2x

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have many debts on my report that are my uncles that has the same name as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion has not updated my scores since XX/XX/2021, even though all companies have reported changes and corrections to them. I contacted TransUnion and they stated they have 60 days to update however, it has been 60 days and they still have not updated anything. Theyre noncooperation is hindering me from beginning the home buying process.

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 2016-08-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I got, mistakenly got a credit card from Walmart. I thought that was good. I went to the Walmart store on XXXX XXXX, here in XXXX, and bought a {$100.00} dollars worth of groceries. I have had trouble paying on the bill. To cut it short, on that amount of groceries ; my latest bill in XXXX is {$210.00}. That much for only {$100.00} of food. I feel I am being scammed, and that card was a mistake. I have talked to them. They refused to back down. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$34.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Risecredit, LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old

Company response to consumer: Closed
Consumer complaint received 2015-07-10
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: RentDebt Automated Collections, LLC
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This company has removed and reinserted previously deleted information. For several years, I have been monitoring my report. I noticed that this collection account was removed and told that it was due to problems with the previous managing company of the apartment complex. Several years later, the account was added back to my report. In XXXX XXXX, I did not have any collection accounts on my credit report. In XXXX XXXX, this company decided that after 6 years they would reinsert this alleged debt and substantially ruin my credit rating. I called to inquire about the debt and was told that during the 5 years, there were 2 attempts to call me and both times they did not speak with anyone. The two attempts to contact me was 5 years ago as this debt was opened in XXXX. During the initial conversation, I told the representative that this had been removed and added back to my report. I asked her to tell me the first removal date, and after a short pause, she placed me on a brief hold. After returning to the phone, she insisted that she " did know '' when or why it was removed, but that it was added back in XXXX XXXX as a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Omega RMS, LLC
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:
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Risecredit, LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
this is the third party is call me threatening me if i do n't pay will take me to jail./or they reported to credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief