BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: Valentine and Kebartas, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ProCollect, Inc.
State: NY
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:
I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants This account showed up and I had proved to them I had already paid the account. It is still listed on XXXX as paid in Full, was a Collection. It never was a collection. It has been paid in full.

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 us 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 XXXXhree 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2015-08-07
Company: Wakpamni Lake Community Corporation
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-01-17
Company: KEYCORP
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
CFPB Student loan - complaint reference - Re : Your submission, [ Case number : XXXX ] re submitting to dispute I am very dissatisfied with the response received and no consideration given to my complaints and Financial situation. 

From the response, please can I add that I did not end up doing an internship due to serious family illness since XX/XX/XXXX to XX/XX/XXXX and subject to that, I was very much out of scope to continueand securing further training and subsequent XXXX for many years thereafter. Basically, my mother was XXXX and sadly passed away XX/XX/XXXX. Thereafter my father was ill and had a XXXX around XXXX. I was therefore unable to proceed to further training, membership exams etc, for many years having to work and care for my father, until last year XX/XX/XXXX, he sadly passed away. ( Evidence can be provided upon request ) I managed to find a job just so I could start paying the student loan fees. 

I also contactXXXX University around XX/XX/XXXX to request further information surrounding recognition with the XXXX XXXX XXXX in the XXXX. However, they have totally dismissed my case and have not responded to important questions, even though I called numerous times and also wrote to the Registrar, and Clinical Director, but no responseto questionsthat the XXXX XXXX have asked. 
I just felt very degraded the way they treated me and there was no way of following up on this as they have just completely ignored my requests, and being in the XXXX makes it harder to communicate and get answers. Even to date I have had no response. I really did not know what to do and became very frustrated, on top of being financially stressed. 


I was very irate and disappointed withXXXX University administration and now they have jeopardised my career as a practising physician. 
I have never completed any form of licensing exams due to the fact that XXXX University have been very uncooperative and unsupportive. 
I feel as though they has rendered me of my future career and useless degree, where I am not able to prove it 's recognition to the XXXX XXXX XXXX XXXX has not beencooperative. Having given these loans, through XXXX, I feel that they have not supported me in any way now and that some form of redress and compensation should be made for injury to feeling and financial distress caused over many years. 

Therefore, I am asking for this case to be reviewed by a senior Ombudsman for causing me inconvenience, Financial distress and injury to feeling. That XXXX University have not been reasonably cooperative to my requests and all in all to be compensated for blocking my career. 

I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: ERC
State: IL
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:
After checking my credit report i have found a total of XXXX hits on my credit report. I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately

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 2017-04-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: AZ
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 attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Hillcrest Davidson & Associates
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hillcrest davidson and associates LLC says i owe money for a service i never agreed or or received XXXX XXXX XXXX ). i got a debt collection letter in the mail on XXXX XX/XX/XXXX and the company says i owe {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification to save my home from foreclosure with my servicer Ocwen. The loan is in the name of my late husband 's estate. I am the executor of the estate and the court has already appointment me executor of his estate, the home is in my name and I live in the property. Ocwen states they will not review me for a loan modification without assuming the loan first. I have hired an attorney to help me with the application and they are in contact with Ocwen. However, Ocwen now states my attorney nor myself can talk directly with the assumption department. They said I have to send all inquiries in writing. My attorney faxed a written inquiry to Ocwen 's assumption department on XXXX/XXXX/2016. To date, no one from Ocwen has responded and they still will not allow me to speak with the assumption department. How am I supposed to get an assumption if I can not speak with that department to ask questions regarding the process??? I am hoping this complaint forces them to talk with my attorney. It makes NO sense Ocwen says I have to apply for an assumption, however they REFUSE to allow me or my attorney to speak with the department that handles the assumptions. I have some questions as to what I can do to qualify. My point of contact has ZERO information regarding the subject and every time I try and discuss it with him, he merely tells my attorney that we have to submit it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I made an online transaction to XXXX XXXX. XXXX and the order was cancelled almost immediately by me. I called XXXX XXXX they told me they do not withdraw the funds they only put a 3 to 5 business day hold on it to verify the funds. XXXX XXXX emailed me a confirmation that the order was cancelled and that they did not withdraw any funds. I called Rushcard Prepaid card and they called XXXX to verify the transaction was cancelled, XXXX XXXX told Rush card representative they did not withdraw any funds. RUSHCARD REP. told me your funds should be in your account by XXXX XXXX or XX/XX/2015. My funds do not show up on my account with Rush card. I call and email them and no one can help me I am told the computer is loading, they put me on hold and hang up on me. The transaction shows as pending. The amount is {$940.00}. When I log in to see my balance it shows a balance of {$11.00} and it shows pending {$940.00} when I download a summary statement it shows balance {$940.00}, but Rushcard tells me they do n't see no transaction, but when I call They tell me different stories. The transaction was made and cancelled on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Paramount GR Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I live in Georgia and signed up with XXXX XXXX to install solar panels on my house in XXXX of 2022. On XXXX, XXXX XXXX sent a crew to install the system, and they said they be back to finish the installation as well as send the request for inspection and permission to operate. On XXXX, XXXX XXXX closed their doors and then filed for bankruptcy. Numerous attwmpts to contact them failed. 

I have contacted Goodleap about this several times, because XXXX XXXX triggered the loan payments to start even tho it wasnt even finished installing, and Goodleap has told me that yes, i owe the monthly payments. 

Ive contacted XXXX XXXX the manufacturer of the system, and they told me that i had to find an authorized company in my area to assume the work. There are none listed on their website as authorized dealers so i was told to XXXX solar companies. 

Ive contacted every solar company in my area, and none of them want any part of the system since its half installed and would need to be finished, inspected etc. 

So Goodleap wants me to pay {$34000.00} for a paperweight on my roof right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX. XXXX held XXXX student loans of mine, XXXX part with the Dept of Ed and the other part commercial loans. I consolidated my loans with a new plan offered by Citizens Bank, and managed by XXXX XXXX, XXXX. 

Despite me giving Citizens Bank the proper XXXX addresses to send payoff checks to XXXX, they sent all the funds to the Department of Education, an error they have acknowledged. The time to correct this issue was lengthy, roughly 4 weeks. My first payment was due to XXXX XXXX on XXXX. However, Citizens Bank had not completed the corrective action to receive excess funds from Dept of Ed, and write new check to XXXX commercial side. 

XXXX put my loan in an administrative forbearance to allow more time to finish the payoff process with XXXX. However, I asked them to assist me with the interest accruing on my new loan, and they refused! In spite of their acknowledged error, and the fact that I was still making payment to XXXX. My customer service rep at Citizens Bank, XXXX XXXX, remarked to me on the phone that he believed I should n't have to pay the accrued interest, as did the customer service rep from XXXX XXXX that we had a conference call with. 

The new loan amount is {$45000.00}, when the note was for {$44000.00}, a difference of {$330.00}. This is unfair and I think the DoE should be aware of this given this is a new consolidation product being offered and not only are they making mistakes with large amounts of money, but they are now abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Paypal Holdings, Inc
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to access my Pay Pal account to verify the last statement and to order a transfer to another person with funds from my XXXX account that is linked to PayPal. The XXXX account is now about XXXX XXXX XXXX still with the original account number. 

I signed in with user name and password and was presented with a page asking for my mobile number. There were no options available on this page and backing out or retrying always returned to this page.I AM IN AN AREA WITH NO CELL SERVICE. I have no mobile phone. 

I called Pay Pal several times, was rerouted to different agents, requested assistance from a supervisor then askrequested that I change my password. I did and it made no difference. The final result was offered was that I go and buy a mobile phone. Again I requested a manager and was told I would receive a call on XXXX XXXX. 

This is where it stands. No call was returned from Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: First Associates Loan Servicing LLC
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them. 
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated. 
The loan was through 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