BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: Cascade Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I am currently going through an appeal. In the midst of my case, I feel my privacy rights are being violated. The lawyer XXXX XXXX XXXX, that is representing the Plaintiff ( Cascade Collections ) in this case. ( Case # XXXX ), has not only mailed but faxed paperwork regarding my case to my place of employment. The Federal Debt Collections Practices Act was created to protect us as the consumer, so that we may be able to work with out feeling harassed or feeling anguish in our place of employment. He has had phone conversations with my boss, who should n't have even known about my case situation other than just the garnishment and to solely garnish my wages as requested until the appeal case is resolved. Nothing more. 
The fax machine that the attorney XXXX. XXXX XXXX faxed information to, regarding myself. Is a fax machine that everyone uses at the office for medical reasons. Not for personal cases regarding employees. He did n't have permission by myself or my employer that he could do so. He also mailed a copy of my case to my place of employment. Now everyone in my clinic knows that I have a collections debt in court and that I am being garnished unfairly. 
I am in jeopardy of losing my job and now have no money to even pay for the debt he is coming for. Because this has caused me such anguish and embarrassment. The attorney has abused his power and I have proof that Cascade Collections knowingly produced a false collection letter that was never sent to my home. 
I am in such a hard place, in the fact that I am just an average person earning just enough to pay my student loans and other regular bills deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Bread Financial Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Last year I opened an account with XXXX XXXX and they use comenity bank I bought one item and I made my payments and they XXXX XXXX the last money order I sent out to them and charged me late fees and my credit took a XXXX point nosedive. 
They never fixed it and I paid whatever they asked just to make it stop because it was like digging at concrete with a plastic spoon. I got all that situated MONTHS ago Now suddenly they want to charge me XXXX, for a misposted payment that was a XXXX on their end. I never bought anything from them and now they're trying to steal my money. Now my credit will suffer yet again because of it being at XXXX until this point. The lady on the phone was just talking in circles and kept repeating the same thing and would not help me at all. She then proceeded to just end the conversation and hang up as I was talking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX Balance : {$0.00}

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 2016-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs 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 2016-08-30
Company: VW Credit
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a new VW car through VW Credit in XXXX. The contract allowed extra monies paid over the payment amount to be applied toward the principle. VW Credit changed the contract without notifying me and began to apply the extra monies paid over the payment amount toward future payments instead of toward the principle, allowing them to continue to accrue interest even though more money was paid down. I only learned of this after not receiving a monthly bill. I phoned on XXXX/XXXX/XXXX to inform VW of the missing bill, which is when the representative informed me of the change in policy. The representative informed me that the only way to have the excess money applied toward the principle from now on was to phone VW Credit each and every time a payment is made and inform them to apply that month 's excess amount toward principle. The average wait time to talk with a representative has been twenty minutes in my experience, plus the actual phone conversation time. With this representative, I requested that the two payments I made have the excess money applied toward the principle, as per the " new '' VW policy, and requested that he make a complaint about their new policy on my behalf. The representative said he would. I checked my account on XXXX/XXXX/XXXX and found that no adjustment to the principle was made and that it shows my next payment due in XXXX of XXXX, which means that VW Credit is still applying all extra monies toward future payments, against all my wishes, and still charging me interest on the full loan amount. I sent in a written complaint to VW Credit through their website about these deceptive practices. So far I have gotten no response, nor have I received any written notification of any policy or contract change. First VW cheats on its environmental requirements with its TDI diesels, now it cheats on its financial dealings with customers. This is a breach of contract, and VW Credit should not be allowed this offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
company was sent a cease and desist letter. Company responded with deceptive and false communication. I do not have a contract with this company. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
During XXXX, 2015, I placed a fraudulent alert on my credit report against my Social Security Number. After three four months I requested Experian and XXXX to please remove Fraud alert against my SSN so that I may get credit card, mortgage loan and some other financial products but these credit bureaus are not responding to my request and turning a deaf ear to my question. I also submitted them my written request for removing fraud alert my my effort remains futile. Now I hereby request you to please persuade all XXXX credit bureaus for removing fraud alert against my SSN on my credit report and kindly keep me informed in this regard as I have to raise my kids, and want to take care of their financial needs. Matter may be considered on urgent basis please. If you want postal authorities receipts of my mail that can be provided on demand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hello, I set up a credit freeze with Experian about 6 years ago. I misplaced my PIN number to get the freeze lifted, and so filled out the form online to prove my identity. The website did not accept my information for some reason, so I mailed Experian documentation to prove my identity. I did this over a year ago, and received a response that my request to lift the freeze was rejected. Experian did not state why and what else I needed to submit, even though I followed the instructions exactly. I then tried recently ( XX/XX/2016 ) to submit my documents online, but they were rejected by the system, even though I followed the instructions to a tee and provided all the required documents. I then went to my local Experian office to get help and was told that it was just a call center and nobody could help me ( even though this is the address where the documentation to lift the freeze is processed ). In addition, I made multiple phone calls to try to talk to a representative but could never get a person on the line because they do not provide the option to speak with anyone. I have been trying to rent an apartment and can not because of this freeze. I have spent many hours trying to get the freeze lifted with no luck. I am very sick and in a XXXX situation due to XXXX in my home and need to move immediately but my plans are being held up because of this credit reporting company. Please help! I can not get in touch with a human being so this has been impossible to resolve. Thank you so much!

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 2015-06-27
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Filed for a loan modification on XXXX XXXX, 2015. I called yesterday, XXXX/XXXX/2015 and explained we have n't received anything from Greentree. They stated they sent it to the lawyer that answered their complaint because it was the law. I needed to send them a letter stating I need them to send it to our mailing address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. 
Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was sold to Greentree Servicing in the last three years from XXXX. It has been a nightmare from then on. We have struggled with our mortgage because of employment issues with my husband and myself, but have never been more than 30 days late. They have threatened to foreclose many many times, been rude, told us we should just walk away from our house, been absolutely awful. I am not sure how they are able to stay in business as there are hundreds of complaints on line about them. I am considering contacting an attorney as I feel they must be stopped. I ca n't believe they can continue their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: NATIONS LENDING CORPORATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a section XXXX voucher and applied for a mortgage loan with nations lending. They had me go through full underwriting before they would attempt a preapproval, even though my credit was good. They ( XXXX XXXX ) finally ( after 4 weeks ) pre-approved me for a USDA guaranteed loan for {$130000.00}. I ran the numbers myself according to the XXXX technical handbook ( I used to work XXXX ) and got close to {$200000.00} for a proper loan amount. I questioned them on this, even sending them the links to the USDA handbook, and they ( XXXX XXXX, XXXX 's manager ) DROPPED my pre-approval to {$110000.00}! I think they are doing this because I am a low-income, XXXX borrower using government assistance, and that I have a large family of XXXX. XXXX mentioned that the amount lowered " after running it through automated underwriting '' but the XXXX handbook says specifically, in our situation ( where the XXXX voucher is paid directly to the lender and does not pass through the hands of the borrower ), that underwriting must be done by hand, so I KNOW he 's lying because I already sent them the instructions they were supposed to follow. I do have emails that outline all of this that I can forward to any investigator. I do n't believe it was appropriate to make me go through the full processing and underwriting before they " pre-approved '' me ( I 'm sure they do n't do that for OTHER borrowers ), I know they are n't processing my loan correctly, and I know they are n't following very clearly spelled-out rules the XXXX has for this loan. I do believe they are either trying to get me to NOT buy a home at all ( it would be exceedingly difficult in this area to buy a home large enough for XXXX people on {$110000.00} loan ) or trying to mitigate their own lending risk ( which would be illegal to give me different rules governing my loan application that they do not apply to others. ) If anything, with the good credit I have, limited obligations, and a very stable income ( XXXX ), plus the Section XXXX voucher to help me pay the mortgage, I should be a BETTER candidate for a good mortgage!

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 2016-09-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have have a house in XXXX and my morgage company is ditech.ditech claims i did not pay the XX/XX/XXXX mortage payment of XXXX i sent them several times proof that i did a ) email attachment my back account with date,XX/XX/2016, who withdrew the chech, ditch. 
b ) faxed the same as above, thru wells fargo representative : bank statement and check and who cashed the check : ditech. 
they response : supervisor reviewing issue.but not actually doing anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Midwest Recovery Systems
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have an unverified account from MIDWEST RECOVERY SYSTEMS. I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ORG GC GP Buyer, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. 
The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14
Company: Allied Collection Services, Inc. (Nevada)
State: ID
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:
XXXX continues to call daily. In XXXX of this year I was offered a settlement by said company to pay off a closed XXXX account. I took it and paid {$170.00}. This month they began calling stating that XXXX refused the settlement and I still owed the remaining balance. I stated to them that they need to refund what I paid and I will be happy to continue with the payment plan I was current on. Because by accepting payment and sending me a paid in full receipt debt was paid. Calls continue.

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 2016-12-08
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV FUNDING LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: CA
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 called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} will be corrected and updated.

Company response to consumer: Closed with explanation