BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to obtain a deletion letter from Allied Collections, because I am trying to buy a home. When I made the payment, the person I spoke to, said they will provide me with a letter stating I no longer owe them the debt. I spoke to my Lender, and she said, she has received a deletion letter from Allied Collections about 3 days ago. I 've called several times Allied Collections in the last three days, and they refuse to provide me with the deletion letter. I do n't understand why they refuse to provide me with that letter if the debt has already been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Credit Central Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: American Financial Resources, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.

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 2015-07-10
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a debt that was issued by the Ohio Attorney General 's office for a school debt. This debt was handed over to the Law Officed XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX Ohio. 

I was contacted XX/XX/XXXX about the debt and immediately arranged payment arrangements. 

I 've been making payments as agreed on time since XX/XX/XXXX on the balance owed. Repeatedly during that 1 year time frame I receive calls at least once a month despite " making my payments like clockwork ''. 

In XX/XX/XXXX the USPS lost a priority mail payment and i did my due diligence and contacted the debt collector inquiring about the lack of received payment and gave them a payment over the phone. I also instructed them to NOT cash my first check if it finally showed up. They proceeded to cash the check when it arrived 10 days later anyways but my bank resolved that. 

Today, in XXXX, i received a call at my job from a different rep demanding I double my monthly payments or be sued and have my wages/taxes garnished. 

The threats continued thru this conversation despite the rep, XXXX XXXX, agreeing that i 've made " all my payments like clockwork '' in accordance with my payment arrangement. Some of the threats made by the rep, were in her words, on behalf of the Ohio Attorney General. 

I do n't know what is legal in this regard but if I 'm adhering to my payment arrangement then I should n't be receiving calls at my place of employment demanding I double my payment or face a lawsuit and wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am refinancing my mortgage with a new lender. The current mortgage company ( Freedom Mortgage ) has refused to provide a payoff. The closing company has requested it ( XX/XX/XXXX - using the documents I signed as part of the process ), and I have personally requested it twice ( XX/XX/XXXX & XX/XX/XXXX ). They are now holding up my mortgage process and I am at risk of losing my preferential new rate. I believe they are holding up because they do not want to lose a {$380000.00} loan at 4 %, when new rates are much lower ( my new rate is quoted at 2.64 % APR ).

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 2015-08-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.

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 2017-05-26
Company: EQUIFAX, INC.
State: VA
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:
I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXXXXXX account # XXXX # 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 a 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 explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to 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 explanation
Consumer complaint received 2019-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
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:
On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that Select Portfolio Service and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted disputed to equifax over unauthorized inquiries. These inquires were for XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. This dispute was handled they received it onXX/XX/XXXX and they sent letter that they investigated dispute on XX/XX/XXXX.I received another letter from agency dated XX/XX/XXXX for inquiries I never disputed. I will attached letter, equifax also updated negative info on my credit that has not been verified by them as a retaliation for my dispute. I know I cant dispute inquiries that are from soft pulls to credit, I never disputed inquiries from there letter dated XX/XX/XXXX. I have been a past victim of identity theft and this is very concerning that they are not handling these matters in a professional way. Someone from there office is either manipulating mail because I sent other dispute as i am noticing info that is not correct with my file. This was received by certified mail by them. This second dispute involved a creditor not inquiries.Can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: ORG GC GP Buyer, LLC
State: WI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from GC Services Limited Partnership stating that they had been retained by the Dept. of Education to collect on a defaulted student loan. As I have not been in school since XXXX and never taken out a student load, you can imagine my surprise in receiving such a letter. I have been in contact with the Dept. of Education and their Ombudsman and they both indicate that I have never taken out a student loan. I have been in contact with the Company and have reason to believe that they maybe fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: National Enterprise Systems, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: State Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter to State Collection Service Inc. at the beginning of XXXX in response to a collection letter they sent me. The letter they sent was the first one they sent. Days later the debt collection was on my credit report before even trying to resolve the matter. If giving a chance, then I could have provided them with my insurance providers information. I also contacted my insurance provider XXXX XXXX XXXX to make sure they would take care of the bill being that I didnt have my card at the visit. So I sent a letter asking for validation not verification. They responded with a doctor bill for XXXX from XXXX XXXX XXXX XXXX of XXXX XXXX la. I sent back a copy of my insurance card an a letter asking them to remove their inaccurate information from all my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 

2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 

3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. 

I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-03
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: ORG GC GP Buyer, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? 
It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am having an issue obtaining my credit report with  XXXX ,  XXXX  and Transunion. I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other perso ns ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.

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