BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: GREAT LAKES
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Great Lakes to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: National Credit Systems,Inc.
State: AZ
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:
Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,

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 2015-05-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I resided at an Apartment unit for 2 years with no late payments nor issues. I was not present for the move out inspections and now the apartment sent the calm stating that there were stains on the carpet. I was then notified by National Credit Systems , Inc. by phone calls and letters stating that if I do not pay {$800.00} for the carpet stains that they will Garnish my wages or Seize and Auction my personal property. 
I requested proof and I was sent Black and White pictures that I ca n't see any stains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found this on my credit report without me even knowing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SD
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. 

However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.

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 2017-07-19
Company: John C. Heath, Attorney at Law, PLLC
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:
I have been receiving emails and phone calls from Lexington Law Firm for someone who has a similar, but different name. I have responded to the email and attempted to call Lexington Law Firm to inform them that they have the wrong person. I continue to receive emails and phone calls for the wrong person. I am going to check my credit report to make sure that all of the information on them is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called   XXXX   XXXX   to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Nationstar Mortgage bought my home loan and then hounded me to refinance at an lower rate for a modest loan fee, until I agreed to start the process. Over the next XXXX months, they raised the rate after it was locked in many times, until it was no longer attractive, when they simply stopped contacting me. I have a huge number of documents about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
When Collection Center Inc. was trying to collect this debt for   XXXX   XXXX   XXXX   bills. They called me in  XXXX  of 2017 and asked me where best to serve me. I told them I lived at   XXXX   XXXX   XXXX   XXXX     XXXX , Wyoming  XXXX  but I would be moving shortly after graduation. I moved out of my residence on  XXXX   XXXX  2017. They served papers to my former roommate   XXXX   XXXX   on  XXXX   XXXX  2017. He did not inform nor was he required to. I would not be made aware of this until I received a forwarded letter from   XXXX   XXXX   XXXX  , Circuit Court saying that Collection Center Inc. had won a judgement against me because I failed to appear. I was n't afforded my right to defend myself because I was n't served papers in the county where I resided. This is a illegal judgement because federal law requires that they inform me they are attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of transunion 's inquiry issue ''. i called them XXXX / XXXX /2017 to make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports. TransUnion failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

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 2022-10-02
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: Account status incorrect

Complaint:
I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Professional Debt Mediation, Inc.
State: MS
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:
My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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:
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

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 2016-05-25
Company: National Credit Systems,Inc.
State: NC
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:
Debt was paid multiple times due to collection agency stating they never received payment and refuse to remove it from credit bureaus. National credit systems owes me money!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am rewriting my XXXX mortgage. In so doing, I need a subordination agreement from Springleaf Financial. They will not do the agreement until I bring the loan payments current. When I asked when I missed a payment, they were unable to tell me. My bank records show I am current on my payments. They tell me I missed one payment in XX/XX/2013 for {$280.00} yet they tell me I have to pay over {$800.00} to get current. 
Holding up my loan closing to attempt to collect money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was called by the One Main Financial store in XXXX KY. ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information is incorrect

Complaint:
ON XX/XX/XXXX, MY CONSUMER REPORTED SECURITY FREEZE WAS PERMANENT REMOVE BY XXXX BY XXXX STILL SHOWS ITS ACTIVE WHICH IS INCORRECT XXXX REFUSED TO REMOVE THE SECURITY FREEZE!

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 2023-08-03
Company: Atlanticus Services Corporation
State: CA
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:
XXXXFORTIVA Original creditor : I have no idea how this company got my information. I never agreed to any services or products with this company. I tried disputing this with credit bureau, but corrections never made. After several harassing calls to my phone during unlawful hours and on holidays I repeatedly asked them to stop calling me if they were unwilling to send me proof of any agreement for services with them. They refused to send me any account information or signed agreements. The refuse getting supervisor on the line and refuse to transfer to an American call center. As a result this has caused continued harm to my credit reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On   XXXX   XXXX   I applied for a payday loan, and they only gave me the option to pay it on the  XXXX  which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called   XXXX   XXXX   and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike  XXXX  or   XXXX   where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My wages are been garnished for a car o purchased 20 plus years ago i was not notified of the garnishment from either payroll department or from the creditors

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 2016-11-04
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for Citibank cashback card. First they approve it, then they made me send a bunch of documents to verify my account. It has been almost 3 months and I am stuck with a card on my file, which I can not use. When I call back to cancel the account, they say it can not be done because it is still under " review ''. Here is the kicker, when I ask for a manager, I am put on hold for 30 minutes, and then told that he is not available. i give a callback number, which of course never comes back. Apparently, that 's Citi 's way of dealing with unsatisfied customers.

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 2017-01-07
Company: AVANTE
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Actually it 's not continued attempts! I received an alert today XX/XX/XXXX of something being added to my credit report so I look and it shows Avante USA and that the account was opened XX/XX/XXXX and already placed in collection a month later. I have not opened any account in a good while, I have been paying things on time so my to improve my score. I looked online and I see where this company has complaints about a lot of things. I called the number and left a message because this is so not right

Company response to consumer: Closed with explanation