BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 2015-07-22
Company: Receivable Solutions Specialist, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CAVALRY INVESTMENTS, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY
Product: Credit card
Issue: Other

Complaint:
Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.

Company response to consumer: Closed
Consumer complaint received 2015-04-23
Company: Pinnacle Asset Management, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called my mother saying they are a deputy, I am under investigation, as well as disclosing this to a co-worker of mine. My co -worker informed me someone named " XXXX XXXX XXXX called and said he must speak to me because I am under investigation. No legal, unprofessional and threatening. Calling my employer daily which needs to stop and I told them this also.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My daughter goes to school at XXXX in XXXX, HI ; she is XXXX years old. She wanted to buy a car so I told her I would co-sign on a loan for her. I received and filed out a credit application form from Pentagon Federal Credit Union ( PENFED ). Some time later I learned from her that she had gone in to the dealer and signed the load papers and left with the car. They had not sent the promissory note to me to sign. I was, in fact, not going to sign the load until we negotiated the price down. I believe she paid about {$1500.00} to much for the car. I talked to one XXXX XXXX ( spelling? ) XXXX XXXX XXXX at PENFED and he told me he found the promissory note and he could see my daughters signature and where I was supposed to sign it was blank. I then contacted XXXX and their records indicate that I am on the loan with PENFED as sole owner of the loan. I also filled a dispute with them. Basically it seems to me that I am an owner of a loan that I did not sign for. This seems like fraud 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 non-monetary relief
Consumer complaint received 2017-02-08
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I sent a subpoena to Morgan Stanley to get all records about a house that I purchased on XX/XX/XXXX. I received nothing yet.

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 2016-12-26
Company: Civic Financial Services, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Green Trust Cash, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i was issued a payday load through Green Trust Cash. I recently had death of my mother, lost time from work and unable to make payments. Company was notified and then they turned me over to collections, company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Chase is continuing to report a mortgage that was opened in my name without my consent. I have disputed the debt with the credit bureaus and have submitted an official police report. the entry is effecting my debt to income ratio and I 'm suffering damages because I ca n't get approved for what I need. Please make not of this complaint and help me to resolve it quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I applied for Loss Mitigation Assistance through my Servicer Chase which is supposed to be provided to me under the terms of the numerous Settlement Agreements Chase has made with the United States government over their wrong doing in the XX/XX/XXXX financial collapse.I also know that I am qualified under the terms the government set forth for Chase. For a year now I have been told I am qualified for assistance but have been delayed by Chase without any written or verbal reason. I have been asked to submit numerous documents several times, duplicate, triplicate and more. On this final attempt to settle my account after Chase approved loss mitigation for my account Chase does n't seem to know how to receive or may contact with the investor on my mortgage which is absurd. I have been waiting for 10 days to close this file out with Chase and they ca n't or wo n't make a decision. As the servicer they must have the authority to make final decisions on my loan in a time specific manner as they agreed to this in their court settlements with the government

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received 10-15 robo calls from XXXX at all hours of the day. They leave a recorded message stating to call United Collections Bureau at XXXX regarding a debt. I do not owe any money to any entity -- and know this because I check my credit reports regularly and my credit score is outstanding. I believe this is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Innovative Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Innovative Collections has several paid collections listed on my credit report. They have illegally re-aged the date resulting in a false date of first delinquency and causing this to be left on my credit report longer than it should be. In addition, they have the payment amounts and dates incorrect. There are several things wrong with their reporting which are negatively impacting my credit rating and ability to obtain new credit, including a mortgage. My wife is XXXX, we have a XXXX, and we are looking to purchase our first home.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Sallie Mae took out money from my bank account when not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by FORD MOTOR CREDIT COMPANY LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : The charge-off was a lease turn in, the dealer where I turned in the vehicle told me there were no charges due. 

Ford claims they sent me a statement for mileage overage, which I never got, then he got letter from a law firm asking for {$2700.00}, which I paid immediately. I was never mailed the lease end papers and telling me about mileage overage. I am requesting deletion the charge off from my account. 

Account information : FMC-OMAHA SERVICE CT Opened date : XXXX. XXXX, XXXX. 
Balance : {$0.00} Type : Auto Lease Remarks : Paid charge off Also, I have XXXX other accounts with Ford Motor Credit Company LLC. I am requesting that the company deletes all late payments from my accounts : FMC-OMAHA SERVICE CT. 
Opened : XXXX. XXXX, XXXX. 
Balance : {$0.00}. 
Paid and Closed FMC-OMAHA SERVICE CT XXXX 
Opened XXXX XXXX, XXXX Balance : {$0.00}. 
Remarks : Closed. 

I have worked with the company for over XXXX  years and I think we can continue to have good relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been reaching out to Exeter Finance for a few weeks, i called 5 times last week XXXX XXXX XXXX regarding information on my loan with them. They have been giving me the run around, and keep failing to send the requested information. After all the phone calls they sent a link that isnt accessible. I have tried multiple times to logon, but has not been successful. Even requested it to be resent. They stated that it takes 24-48 for me to receive a email. I have not received any of the emails/ information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
My card was missing and I reported my card lost on XX/XX/XXXX. The representative that I spoke with told me that they were sending me a new card and a dispute form to fill out, because they were unauthorized charges on my card. Two weeks later, I have yet to receive both items. I called Rushcard again and was told that they did send it, even though I have yet to receive it. After arguing with a supervisor, they sent my dispute form In two hours. They also told me that during the process, then I will be receiving a provisional credit onto my account while the investigation is takin place. I turned my dispute forms in on XX/XX/XXXX, and on XX/XX/XXXX, they informed me that there was nothing wrong with my account! They then tell me that I can file a rebuttal letter against them in order for them to re-open my case. I sent in the rebuttal letter three times and they told me various excuses as to why the fraud department could n't look at it. One representative even told me on XX/XX/XXXX that if I turn in my rebuttal letter, then I would have a provisional credit placed on my account. Throughout this time period, I still have n't received my new card. They said they sent it on XX/XX/XXXX and it is now XX/XX/XXXX. According to them, my card should have been here from 5-7 business days. Not only do I have a card, but I have also endured a loss of money because they failed to investigate the disputed amount that I inquired about. Because they failed to comply, I am filing this complaint, a complaint with the Better Business Bureau and I will also contact an attorney to sue, because of the loss that I had endured while dealing with Rushcard and their representatives and the damages they have caused. I am missing almost {$900.00} out of my account and they failed to investigate that and to give my money back. Because of that, I am at risk of falling behind on expenses that is needed to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Paramount GR Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender is collecting double the amount needed for my property taxes. I made this very clear before the purchase transaction was complete. They said they would collect double the amount necessary until the 2018 assessment was released and do an analysis of the account in XXXX. The loan has been active for 6 months and and they have disbursed the the 1st half of the taxes that the county requires but still double bills me. I have received an escrow analysis after the disbursement was made of {$660.00} to the county. The lenders escrow analysis states my obligation is {$1400.00} per installment. But they only disbursed {$660.00} to the county for the installment. They are paying the correct amount to the county however billing me double. They do not return phone calls or emails. I can document multiple attempts to have the issue resolved. 

They have unfair business practices and poor communication. I am being billed double for my property taxes.

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 2016-03-29
Company: PMAB,LLC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I DO NOT KNOW?, I live in XXXX, and after signing up on XXXX, XXXX 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to XXXX companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reopened a dispute with Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the dispute was open, I called Chase on XXXX and spoke with disputes and they told me that the merchant has 30 days to respond. As of XX/XX/XXXX I still have not received a response from Chase. I called them at XXXX on XX/XX/XXXX and they are telling me that the dispute was closed and that they did not receive my additional info. I know that that is false because on XX/XX/XXXX I received a letter from Chase claiming they are still working on it. So I am getting conflicting responses. I have fax confirmations that the info was sent on XX/XX/XXXX I have a letter from Chase on XX/XX/XXXX but now they are saying its closed and can not tell me why

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: Cooper Hoffman Klein Associates
State: KY
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 am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.

Company response to consumer: Untimely response