BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The name of the company is Consumer Portfolio Services ( CPS ) and I had a car loan with them that opened on XX/XX/XXXX. Unfortunately a few months after the purchasing the vehicle it started requiring thousands of dollars of repairs and I could not afford to fix it and pay the monthly payment of XXXX dollars. At the time my payments started becoming late and CPS started calling my friends, family and work telling them that I owed money on a loan and trying to shame me into paying. Also they started adding on fees on top of other fees and so forth. 

Finally because I could n't handle the stress of the car loan and the harassment from their collections department I told them to take it. The harassment continued after that so I started to threaten legal action. I believe the person I spoke with was named XXXX XXXX. She told me they would stop calling and remove the information from my credit report. 

To my surprise I went to get a new car loan, after waiting six years because of the trauma of dealing with CPS, they were still reporting the account negatively XXXX my credit. I then put in a dispute with XXXX and XXXX, citing the previous promise from one of their employees, but the dispute was rejected by them. 

I just want this awful company out of my life, I spent six years avoiding credit and financing because of their horrible practices and still they are affecting my life. 

Unfortunately I do not have the documentation for the loan it was lost during a move from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: STERLING JEWELERS, INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Investigation took more than 30 days

Complaint:
For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.

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 2015-04-10
Company: Resurgent Capital Services L.P.
State: TX
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 SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being contacted at my place of employment after I have asked not to be. I offered a payment arrangement that was suitable to me and was laughed at and told " absolutely not ''. I was told that I needed to get a co singer to get a loan or sell something or take money from my XXXX to pay them. The representative kept using my occupation against me " you 're a supervisor then you should know this is irresponsible ''. After stating that I needed to get off the phone because I was at work I was told " you have to call me back today before XXXX, I know you get a break and a lunch ''. I replied that I had to run errands on my lunch and their reply was " they 're not more important than this matter '' an I said actually I have to pay bills on my lunch so yes they are, the reply I received was " I do n't care about your other bills ''. I was also told that there was an attorney present in their office numerous times which I 'm not sure what this had to do with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-11-27
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
When I called Columbia Collection Services, I asked to be transferred to their legal department to discuss the lawsuit they had served on me. They transferred me to XXXX XXXX. Later, while speaking to him, I asked him to transfer me to the legal department and he said, " I 'm it. '' I checked the Oregon State Bar 's member directory - no one of that name is licensed in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Harris & Harris, Ltd.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I was wanting to get money from the equality in my house. On a Sunday I received a call from Amerisave informing me that they were wanting to work with me. XXXX was the Amerisave representative. I followed their process and submitted the required documents, some several times saying that the underwriters were requiring the documentation. My house was appraised by XXXX, charged to my credit card. I paid {$450.00} for an appraisal that can only be used by Amerisave Mortgage Corp. I would like {$450.00} charges refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-02
Company: Aargon Agency, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contact the hospital like I asked them but they refused to see I do n't owe any money never did the hospital bill was paid but they switched payment systems so they put my money in the new system which it should have applied to old system. Remove this from my report immediately l

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 2016-04-23
Company: Asset Management Outsourcing, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Saw collection item on my XXXX report only. Called Transworld Systems , Inc and was told that is n't me, they would remove. They did n't. today when I called again they said I should fax the page from my XXXX report with name, SSN, Address, copy of military ID and phone number, with dispute reason. I have tried 10 or more times and fax number they gave me does not go through. Now phone number I used previously does n't go through either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently completed a year of service with  XXXX  and thus was awarded the {$5700.00 } Education Awar d. I used this money to pay toward s my Federal Student Loans through Navient. I s ubmitted the payment request, as instructed by  XXXX , through the " My  XXXX  '' portal. I made the following payment requests between  XXXX   XXXX   XXXX   XXXX ,   XXXX   : {$950.00} to be paid towards loan number  XXXX  {$2200.00} to be paid towards loan number  XXXX  {$190.00} to be paid towards loan number  XXXX  {$2300.00} to be paid towards loan number  XXXX  I made the payments in the way so that loans  XXXX  and  XXXX  would be paid in full. Both of these loans had interest rates of 6.55 % while the other  4 loan s throug h Navient had interest rates between 3.15 % -4.41 %.   By paying loan  XXXX  and  XXXX  I would have lowered my monthly payment and lowered the amount of interest accrued on my loans. This would have allowed me to pay less interested and pay off my loans in a shorter time frame.     Howev er, Navient did not follow my instructions and rather evenly split the {$5700.00} between the 6 loans. This means that none of the loans were fully paid off and I am therefore still accruing interest across all 6. I submitted a complaint with Navient o n  XXXX   XXXX ,   XXXX   and again on  XXXX   XXXX ,   XXXX  . Between this time I have also tried to call customer service multiple times. I have never received a response and when I have tried to call I was transferred to multiple customer service representatives and ultimately placed on hold for hours without ever receiving any actual assistance or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
This collection was settled with the company by return of the equipment. Another collection agency removed the debt. This company did not give me the 30 day notice to dispute debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: LTD Financial Services, L.P.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was satisfied ( paid ) in XX/XX/XXXX, in full. Yet, the debt collector, Asset Acceptance LLC, keeps reporting it to the XXXX credit bureau that it was satisfied XXXX paid ) XX/XX/XXXX 

This is simply not true. XXXX refuses to contact Asset Acceptanceto get the date correct, and Asset Acceptance refuses to contactXXXX to make sure the correct date of satisfaction is listed asXX/XX/XXXX on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they have been calling me at least XXXX times a day. They were deliberately disguising their business name as " XXXX '', which is a wireless phone company, in order to try and dupe me into picking up. I only found out today cause I picked up thinking it was basic talk trying to sell me something, only to be told it was midland funding , LLC calling about my debt. This is extremely underhanded and I would like this company to know that if they keep calling me several times a day and continue to mask their name I will take them to court for harassment and underhanded tactics. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. XXXX they issued a garnishment against me and they did not call me to try and settle and XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had XXXX and I was in XXXX for several months and my daughter also had a baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Midland Funding filed with attorneys XXXX XXXX XXXX XXXX XXXX for collection with court when already set up with Credit agency and was accepting $ 100 monthly paymentt from XXXX XXXX / 2015 from XXXX my acct XXXX .Payments made are in the amount {$100.00} on the XXXX of the month with no payments missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Transworld Systems Inc. sent me a collection letter advising me of a debt they claim is mine in the amount of {$510.00}. 

I have been a victim of identity theft and this debt is not mine nor do I know who " XXXX '' is. I 've enclosed copies of my police report of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to lower my payments since 2014 with Navient. I have always sent the right information and filled out all forms while on the phone with a Navient representative. Each person I talk to says my information was never received and I get a completely different pay back amount each time. I can not afford {$1300.00} a month to repay these loans. I have tried to explain what I can afford but no one seems to want to help. So instead they always put my loans in deferment. I am now having to pay back loans that originally where {$80000.00} and now are almost {$90000.00}. You can never speak to someone who is willing to help they just simply say you either pay or they will come after you.

Company response to consumer: Closed with explanation