BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: American Credit Financial
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I currently have an active case being reported on my background check for which is not indicative of all the actual facts pertaining to the case. This case has now caused a potential employer XXXX XXXX XXXX ) to issue a pre-adverse action letter on XX/XX/2022 which I believe is unjust considering the all the pertinent facts have not been included in the report. Pending an approaching trial date on XX/XX/2022 the case will be fully dismissed and subsequently expunged from my record. I have attached a sworn statement from my attorney whom is representing me in the case that will confirm this. Furthermore, there was no fault found in the case and no admission of guilt.

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 2022-11-22
Company: TD BANK US HOLDING COMPANY
State: PA
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:
This account was on my credit, which the original amount reported was incorrect. I disputed with Nordstrom and XXXX later. I will not pay incorrect amounts. So I let it sit the required time to automatically be removed. It's now past exact XXXX ( XXXX ) and should come off my report and hasn't. Cant get to anyone at either company to request removal. Please have it removed from any report based on XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601. 
Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.

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 2016-10-18
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Other fee

Complaint:
Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While recently checking my credit report it is showing that I was late with my mortgage payments in the years XX/XX/XXXX and XX/XX/XXXX. I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed this account with XXXX  three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and Experian and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Privacy

Complaint:
Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS COMPANY HAS REPORTED ME TO ALL 3 CREDIT BUREAUS A COLLECTION ACCOUNT I KNOW NOTHING ABOUT & WAS NOT NOTIFIED. THERE LAST RESPONSE STATED MY ADDRESS DID NOT MATCH, HOWEVER THIS COLLECTION ACCOUNT IS STILL REPORTING AS A NEGATIVE ACCOUNT THAT IS HURTING MY CREDIT. THIS ACCOUNT WAS NOT VALIDATED AND WANT IT OFF MY CREDIT REPORTS UNTIL THIS ACCOUNT CAN BE VALIDATED BY LAW G C SERVICES XXXX XXXX  {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: The Receivable Management Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Military Deployment XXXX XXXX XXXX My wife was deployed with the XXXX XXXX to another country. During this deployment, our pharmacy XXXX Pharmacy billed all prescriptions through XXXX, which XXXX accepted. Upon return from deployment, XXXX claims that XXXX should have been the insurer and sent the bill back to XXXX Pharmacy. XXXX Pharmacy attempts to collect from us, so we manually bill XXXX. XXXX claims not to have a contract with XXXX during the time period above and refuses to pay the bills from the pharmacy. 

The bill is for XXXX, which is now handled by " Receivable Management Services LLC '' as the debt collector. I have contact all XXXX parties ( XXXX, XXXX, XXXX ) and explained the timeline, but they have all refused to assist.

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 2022-11-22
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I tried to use my debit card and found that my account has been garnished. I collect XXXX XXXX and have been since XXXX. On XXXX XXXX the attorney for the debitor ( XXXX ) filed a release of funds with the court and XXXX XXXX XXXX. Today ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX said there is still a garnishment from the courts. XXXX XXXX  XXXX is charging me {$120.00} in legal fees and sending the attorney {$100.00}. XXXX XXXXXXXX XXXX should have protected my funds hence I shouldn't have to pay their legal fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By law I have a right to the identity of the verifying entity as the Bankruptcy Court has confirmed that they did not verify by documentation. The credit agencies have stated that the information is " VERIFIED '' is verified by the origin. THE ORIGIN IS THE BK COURT. The attached document confirms that the information stated by the agency is FALSE!!! The credit reporting agency says I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Cashco Financial Services, Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I noticed a {$380.00} deduction on my paystub. I had no idea what this deduction was for and inquired with my HR department. They immediately mailed me paperwork regarding this garnishment, and then XX/XX/XXXX, I received paperwork in the mail from XXXX XXXX representing Cashco regarding a garnishment from them. this paperwork was dated XX/XX/XXXX. Almost 3 weeks is a very long time for them to wait to send me. I feel that they were waiting until they received the garnished money before they mailed. However, this is not my major complaint. 
My major complaint is that I had no idea what this garnishment was for. The court paperwork stated that it was an original debt amount of {$1500.00} that was entered against me on XX/XX/XXXX. 15 years ago. And that the current amount due was {$10000.00} due to continually accruing interest. I mailed paperwork to the courthouse ( that is in a different state than I live in ) and received no response. Finally, I called Cashco and explained to them that I had no idea what this was for and wondered why I had never been notified before when I had the same address for many years and always worked a tax paying job all of these years. They mailed me a piece of paper that showed a {$990.00} amount financed that the guy I spoke with at Cashco said was in the form of a check to fix my transmission. I have gone back on every record, memory, asked friends, etc to recall what this may have been for 15 years ago. I can not. 
The main point of my dispute is that this was 15 years ago. As I said, I had the same address for many years and have worked tax paying job all of these years. I do not feel that this exorbitant amount of interest should be legal. In the past 4 months, they have garnished over {$4000.00} already. It does not seem right that they can neglect to inform someone of a debt that they feel you owe and then just let it sit and incur interest charges for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: FL
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 has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-22
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX, my credit score dropped XXXX points. The ONLY change was a minor increase to the balance on my XXXX secure card. I have never been late and generally pay it off every month. It's only a {$100.00} limit. 

On XX/XX/XXXX, there were 6 changes to my report, mostly decreased credit balances, XXXX of them shows my XXXX card balance down to owing XXXX XXXX Yet, my score only went up by XXXX points! 

This is unfair and inaccurate! I have worked really hard to improve my score and in one swoop, XXXX balance increase completely stripped me of all my hard work. 

Attached are screenshots from XXXX XXXX, the score matches my current score that is on Equifax. Please note, XXXX shows my current score at more than XXXX pts above and before the " dispute resolution '' was not than XXXX above Equifax XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX, XXXX I discovered that incorrect credit Information was reported to Equifax by XXXX XXXX XXXX The information indicated I failed to pay part of a bill and, or missed a payment in XXXX or XXXX in the amount of $ XXXX.The bill is listed as a collection write off on the report. XXXX XXXX was not my provider of telephone service during the time frame that the unpaid bill was from. 
I contacted XXXX XXXX about this, and they said the bill was from when XXXX was my provider of service. I contacted XXXX, and the representative said my account was always in good standing with XXXX and I did not owe them any money. 
Again, I contacted XXXX, and this time they said that the bill was from XXXX, and they will not remove the incorrect information from my credit report. 
On XXXX, XXXX my Equifax credit report was changed to indicate the unpaid bill was from XXXX instead of XXXX or XXXX. I contacted XXXX, and asked for a copy of the bill, I received the attached documents via e-mail. 
I contacted XXXX again and asked for a copy of the bill to be mailed to me. The bill they sent is not like a standard bill that I normally receive. The bill they mailed appears to be a typed up word document like the copy sent to me via e-mail. 
I suspect that my issue has arisen due to problems I had in the past with their telephone service. There were frequent occasions when my telephone would not work for days, and even weeks at a time. I can only speculate that I may have lost my temper while on the phone with a female supervisor who is now seeking vengeance. 
I filed a complaint with Equifax , and Equifax only said that the person in question is me. 
I will be most grateful for any assistance you may offer in getting this untrue information off of my credit report. 
Thanks Again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is a XXXX account opened on my report that I paid the remaining balance on when I closed the account almost 8 years ago that is showing opened as of XXXX 2013 which I in no way opened or reopened that account I have been a XXXX customer for three years. I do n't know if this is attempt to recollect money or what.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   )  for {$230.00} was disputed and removed off my  XXXX  credit report on  XXXX / XXXX /   2017  however the credits bureaus has not removed the collection off my report like it 's suppose to be

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 2016-07-29
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After repeated attempts by myself and my attorney to negotiate a monthly payment plan, I was told they wanted the full amount and nothing less. In my situation, of being XXXX and retired, I am on a fixed income and could not afford what they were asking. I am very familiar with their practices by being a formal law enforcement officer. I will not go into further detail on that subject. To conclude, I was always willing to pay this debt, but was told time and time again that a monthly payment plan was out of the question.

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