BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Good Morning, I filled a dispute on a XXXX transactions to XXXX bank on my Debit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX Transmission and got One year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX Transmission and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 

Attached is the e mail I send out to XXXX bank and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX transmission to cover the cost and they are investigating. 

Attached is the letter I send to XXXX bank. 
To Account : XXXX bank Date : XX/XX/2016 Account Number : Checking XXXX Subject : All Other Reference : XXXX Hello I called few days ago regarding XXXX transactions from XXXX Transmission from XXXX 2016. 

XXXX for {$500.00} and other for {$1300.00}. 

XXXX transmission did repair on my Car and promised me warranty for one year and also put new Valve Body in the transmission. 

Transmission completely failed few days ago and I was stuck in the road on my way back home. 

I tried calling XXXX Transmission couple of times no answer and I tried called Manager XXXX XXXX who dealt with me he also does n't answer. 

I went to the XXXX Transmission in person. Business is no longer available and as per new owner they were evicted and business has changed Name. 

I have all proofs and took pictures of the new firm occupying the place. 

I would like to have full refund of my money because I have to pay again for the repair of the Transmission to a new company. 

Hope to hear for you soon and I would need extreme help for XXXX bank on this. This is totally unacceptable of XXXX Transmission. 

a ) I have proof of the warranty paper for one year for the repair. 
b ) Proof of the new repair fro new company that Transmission is not working and I have to pay all over again. even tho for Valve Body that XXXX Transmission replaced in new. 
c ) Picture of that there is new company under the same address. 

I am ready to provide any documentation or proof to prove my case. 

Best Regards,, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Williams & Fudge, Inc
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I with thru enrollment at XXXX  XXXX University-XXXX  XXXX and was sent the below via email. 

However, after returning from a work trip to XXXX, TX I became XXXX  and went to the ER with a XXXX XXXX XXXX over XXXX and was diagnosed with XXXX XXXX XXXX and spent 5 days in XXXX. After being released I took several weeks off from work to recover and change my lifestyle and was unable to attend class. I never started nor attended any class at XXXX and now I have a collections on my credit report for {$1500.00} from WILLIAMS AND FUDGE INC for Original creditor : XXXX XXXX UNIVERSITY. 

I informed XXXX  of what happened and that I would not be attending XXXX and 4 years later this show up. 

I would like this removed and for XXXX to correct this as I never attended the school. 


Hi XXXX, Congratulations on your admission and welcome to Colorado XXXX University-XXXX  XXXX! We are thrilled to have you as a student. 

You have been officially registered for the following classes : Start Date Trimester Term Class -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- XX/XX/16 Fall XXXX  Orientation XX/XX/16 Fall XXXX XXXX XXXX Before starting class, you will now need to work with your Tuition Planning Specialist. This specialist will help you finalize your financing options, submit all remaining required documents, and answer any questions you have about the tuition planning process and paying for school. 



Once you have completed the Enrollment Portal you will receive a notification to log into the Student Portal. At this time please complete your Schoology Orientation in the Student Portal. This will help you become familiar with our online learning environment, learn how to post discussion questions and submit assignments, and see what your first week will be like before class starts. After completing orientation you will be directed to complete the orientation self-assessment, which you will need to complete prior to starting classes. 



Information on finding and ordering your textbook is also available within orientation. We suggest you order your textbook from your vendor of choice as soon as possible to be sure that it arrives before the first day of class. 



Finally, you will need to verify your attendance in each of your courses by posting your introduction to the discussion board. Please post your introduction on the first day of class to ensure your attendance is verified. You will be dropped from your course at the end of your first week if there is no activity or posting in the discussion board. 



Please dont hesitate to contact me with any questions or concerns that you may have. Best of luck in your classes! 



Sincerely, XXXX XXXX Enrollment Counselor XXXX XXXX University-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have set up payment arrangements with the company. I have been making payments as promised. They continue to call wanting more money than we agreed on. Even though I make payments on time they call and call constantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have made multiple attempts to have this account taken off my report their is a Breach JJ Marshall sent me a letter that violated Hippa Law The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for your actions Please note that the these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX

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 2021-09-26
Company: EQUIFAX, INC.
State: NY
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 recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous XXXX correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers. 
Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Commonwealth Financial Systems, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: First Data Corporation
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is arbitrarily declining my checks at XXXX XXXX XXXX. This is the XXXX occurrence since XXXX XX/XX/XXXX They declined a check submitted on XXXX/XXXX/XX/XX/XXXX and ironically sent a letter demanding I send them a check for {$170.00} the XXXX of XXXX. We were on vacation and actually received it on XXXX. After calling them to clarify, I was threatened with XXXX denying all my checks to all of their customers until I submit another check. The same problem was experienced in XXXX and after XXXX hours with a supervisor I was advised their problem had been corrected and I would have no further problems with them as they had no negative transaction with our check cashing or funds. I spoke with Svc. Rep. XXXX and Supv. XXXX today, both were rude and insistent upon me clearing up the problem. They admitted the problem was either with the machine or the clerk 's input of the check but declared they had no responsibility for that. At no time have I had insufficient funds and my bank would not decline a {$170.00} check if I did. Manager, XXXX, at XXXX XXXX advises us that the check has been paid. I do not like threats, especially unwarranted ones and I do not like my credit and reputation besmirched by a business that has no concern for consumers. XXXX was fined millions of dollars in XXXX XX/XX/XXXX for unfair consumer business practices. This has the smell of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Liberty Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Ohio statute of limitations states I can not be sued on a debt that I fell delinquent on or made last payment on that is more than 6 years. Case # XXXX account number XXXX is for an old cell phone that the original case was from 2008 which means fell delinquent more than 8 years ago and no payments were made in 8 years which falls under statute of limitations and Liberty Credit is wrongfully attempting to garnish my wages and bank accounts. My name is XXXX and I can be contacted at XXXX or via email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am being contacted repeatedly, like every single day, by XXXX XXXX XXXX of NCB Management Services in XXXX. His phone number is XXXX Ext XXXX. They say they are trying to collect a debt from my son, XXXX XXXX. My son has a XXXX XXXX XXXX and I hold a power of attorney for him. I pay all of his bills and am unaware of any that are not paid. I have asked XXXX XXXX for this information, but he refuses. He insists that I send him the POA before he will even tell me what the debt is for. If my son owes money to anyone, I will pay it. But I have not received any bills for anything. I just keep getting these harrassing phone calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Acceptance Solutions Group, INC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX, I needed additional cash, so I applied online at XXXX or ASG. Everything was fine initially with the installment loan. I received an offer to obtain another loan so I took advantage of it. That is when the nightmare began. they began taking out double payments from my account. I had to end up closing the account. There is a person there named XXXX who is the most disrespectful and unprofessional person I have ever spoken to, they have taken money out of my account so many times now its unreal. This is horrible, wish I had never taken the loan. XXXX claims to be a supervisor, whoever he yells at me and is so condescending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: OR
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

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 2022-11-19
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent affirm my police report number, a copy of my identity theft report to the ftc, as well as a letter requesting they remove the debt resulting from identity theft. I have requested 8 times in writing that affirm remove this unauthorized debt and report it as such to the credit bureau but they have refused to cooperate with me. XXXX has also refused to blame ck this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of 5 calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at Ability Recovery Services who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of XXXXXXXX XXXX  I advised her that I had no idea who XXXX or XXXX company was and that I needed a report of the charges from the original creditor to verify. 

I can be reached at XXXX XXXX or by email at XXXX XXXX

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 2015-11-30
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I lost my job due to lack of work. Its taken everything I got to feed my kids and keep the lights on. I 'm only 15days late on my mortgage with 21st mortgage corporation. I tried calling and talking to my financial counselor XXXX XXXX to see if he could give me until XXXX/XXXX/2015 to make payment in full. I began to tell him my situation he replied " so your going to risk the roof over your children 's head by not making this payment today in full. '' I was spoken to very rudely then hung up on. I tried to call directly back XXXX times never got him back on the phone I had to speak to someone else which only told me to sell whatever I could to make this payment or did I know a few people to borrow money from. because they will give me no other option other than pay it in full or its out of there hands after today. I offered to pay {$250.00} today and the rest on the XXXX but they refused to accept it. and told me if I did n't pay it in full by XXXX eastern time today that they would move forward with foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Speedy cash has continuously popped up when I apply for business line of credit and was redirected to another lender site it was always speedy cash. They call me and ask me if I want a loan and I give them updated information not knowing it was speedy cash. I have disputed error after error with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$1200.00} debt transferred from XXXX to commonwealth financial. Debt cut in half and paid from XXXX XXXX XXXX to XXXX XXXX XXXX totalling {$600.00} No communication until XXXX XXXX XXXX when they arranged a 1 time payment of {$38.00} No communication so I figured the debt was paid. Now trying to apply for loans for school and cars, but XXXX says I still owe the full {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Servis One, Inc., Titusville, PA Branch
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Mortgage and BSI Financial , Inc., both mortgage servicers - failed to credit my mortgage account for HAMP payments. I had to sue them in small claims court in order to force them to comply with the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation