BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
WHEN I CALLED TO XXXX TO ( XXXX XXXX XXXX)  A  NUMBER THAT I WAS GIVING FROM COLLECTION AGENCY (CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX) I TRYED TO GET INFORMATION REGARDING THIS ACCOUNT IN COLLECTION, THEY COULD NOT FIND ANYTHING UNDER MY NAME, OR SOCIAL SECURITY NUMBER . ALSO WHEN I DID REQUEST STATEMENT BILLS FROM AT LEAST 3 TO 5 MONTHS OF SERVICE WITH DETAIL FOR EACH MONTH FROM : 
(CREDIT COLLECTION SERVICES
XXXX XXXX XXXX XXXX XXXX, MA XXXX ), I WAS NEVER GIVING THOSE DOCUMENTS, THEY JUST SENT ME A DOCUMENT WITH SUMMARY OF AMOUNT OF MONEY, AND COMPANY NAME ON IT THAT   WAS PUTING ME  IN COLLECTION.  I DO NOT KNOW HOW LEGAL IT IS THAT COLLECTION AGENCY KEEP INCREASING AMOUNT OF MONEY IN  ACCOUNT EVERY MONTH.  THE ORIGINAL AMOUNT OF MONEY FROM COLLECTION  AGENCY SENT TO ME FROM FIRST LETTER WAS (XXXX XXXX) , IS NOT THE SAME  AMOUNT  FROM XXXX XXXX  ORIGINAL AMOUNT( XXXX) .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Costco Anywhere Visa Card only allows redemptions of cash back rewards in store. This is very difficult during the COVID pandemic. They should allow an option to have the rewards credited to the account or to provide a gift card to Costco, for example. It should not be a requirement to physically go to a Costco to redeem, this puts peoples ' lives in danger in the current environment.

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 2021-03-29
Company: Concord Servicing Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX we consented to the XXXX XXXX XXXX XXXX XXXX Direct Install program. A letter was finally emailed to us on XX/XX/XXXX notifying us that the first payment was due back on XX/XX/XXXX and to a company by the name of Concord Servicing Corporation. The letter did not have our correct mailing address. We mailed the XXXX letter with corrections and included a check for {$1100.00} ( six months of payment ) to Concord Servicing Corporation. We received a letter from Concord Servicing Corporation in XX/XX/XXXX for a second loan ( Smart Start Program ). We called the company and asked them what is the status of the first loan ( Direct Install ). Come to find out, XXXX still had not updated their records to the correct mailing address. To date, we called them several times, emailed them, and sent them a certified return letter. They have credited us back {$35.00} in late fees ; however, we found out today that when the first check was received, they applied the payment towards the late fee leaving a balance of {$170.00} ( {$20.00} in late fees ) They should had back dated the credit for the late fees ( {$35.00} ). To this date, Concord Servicing Corporation has never applied the {$170.00} and the Customer Service Representative does not know what happen to the {$170.00} and the company continues to charge us a late fee every month. We have made every monthly payment due by the required due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.

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 2021-08-22
Company: Experian Information Solutions Inc.
State: CA
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:
Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.

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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and XXXX continue to post 90 day lates each month from the company. In addition, the close date is only shown on Transunion and not XXXX or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX and XX/XX/XXXX is shown on Transunion. XXXX  doesnt show anything. XXXX and XXXX do not show a high balance but Transunion does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

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 2022-05-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.

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 2018-05-04
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.

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 2018-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off a credit card with Bank of America and then they took a scheduled payment of {$100.00} that was not owed. I requested a refund of the {$100.00}. Bank of America mailed me a check for the {$100.00} which I cashed at my bank. Then I found Bank of America had stopped payment on the check. When I called and asked them about the stop payment they initially said I didn't cash it fast enough and it had expired. I cashed it the day it arrived. Then they said they had chosen to refund the {$100.00} back through my checking account instead of the check which is why they cancelled the check. There was no communication with me that the check was cancelled. As a result of my taking it to my bank I received a chargeback of {$8.00}. Bank of America should refund this chargeback as it was entirely their fault. 

XXXX XXXX XXXX at XXXX XXXX where I received the chargeback says they will only reimburse me for the {$8.00} if Bank of America will write a letter verifying they cancelled the check and sent the funds digitally instead. So XXXX and Bank of America are both terrible banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have an issue with reviewing my credit information on my report since I am member. 
Attempt to call and no resolution getting a live person

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by 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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.

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 2023-06-29
Company: Waypoint Resource Group, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call on XX/XX/29 about a debt. I tried to make a payment arrangement but was told it would still be reported to the credit bureau. The company told me they sent a debt validation letter to the address they had on file. I explained that I do not receive mail at that address because mail is not delivered on my street. I asked them to send a debt validation letter to my XXXX XXXX and they said they already send the letter and I explained again that I don't receive mail at my physical address and then they hung up on me. This company is receivable performance management and I spoke with 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 2023-09-08
Company: Robert L. Tankel, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX Tankel of Tankel Law Group indicating an outstanding amount of {$1000.00} for HOA dues, with a lien date set for XX/XX/2023. 
In response, I dispatched a money order amounting to {$400.00} via certified mail. Concurrently, I notified XXXX Tankel through email about the dispute over the account and my disagreement with the cited charges. 
Following this, I approached our HOA 's property management company and on XX/XX/2023, was provided with copies of available contracts. The property manager, XXXX XXXX XXXX, confirmed that our HOA has no existing contract with Tankel Law Group. Contradictorily, XXXX Tankel claims a contractual relationship and I have yet to see evidence of this alleged agreement. 
Beyond the initial sum, I have been presented with an additional {$600.00} in legal fees, segmented into {$250.00} and {$350.00}. XXXX Tankels justification for these was the drafting of two distinct letters on the same day, both a DEMAND LETTER and a RENT DEMAND LETTER. The reasoning for sending both, especially the RENT DEMAND LETTER, seems superfluous given that one of the property owners ( my sister ) resides at the given address. The subsequent explanation regarding our mailing address listed a XXXX XXXX further muddles the situation as why we received a Rent Demand Notice when there's not an existing tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

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 2020-06-09
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In correspondence dated XX/XX/XXXX, a third-party debt collector calling themselves the MEDICAL REVENUE SERVICE contacted me about an unspecified charge of XX/XX/XXXX. My wife called to determine the subject -- a ten minute XXXX visit XXXX years ago. I have received no outstanding balance statements from the provider since. I previously paid a XXXX 's co-pay amount determined by the front desk staff before even seeing the provider and for which XXXX XXXX was already paid by my insurer XXXX XXXX. This erroneous collection effort is harassing and unfounded. Please refrain from further contact falsely representing the status and amount of this alleged debt.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX  XXXX XXXX, XXXX, $ XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief