BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Ad Astra Recovery Services Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This collection is from XX/XX/2012 From Ad Astra rec collection / charger off in the amount of XXXX XXXX they very unpleasant this company should not be allowed to be involved with anything they yelled at me called me a lier and treated to have me put in jail and I would really like to see if this can get removed from my credit account because it's 7 years old and I have had to change my number just to avoid there very rude and unpleasant phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: LA
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:
There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a full-time graduate program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled full-time from XX/XX/XXXX until XX/XX/XXXX. Before graduate school, I had never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
The complaint is against the company Comenity Bank/ Breadfinacal Overstock store credit card. I received an email that the account was past due. I tried to look up the history of auditing the Overstock account but was unsuccessful in gaining internet access and customer service to help gain information. I paid the card off. I was unable to gain online access and can not access the account to view the problem and resolve the issue. I do not believe I owe Overstock. I returned a light, but the return was never credited to the credit account but transverse to an in-store gift card to use on purchases that I did not authorize. The merchandise return should have been credited to the credit account, so now I am stuck with a card I do not need, XXXX, nor authorized. I paid Overstock on XX/XX/2023 not to acquire if I own interest. I paid XXXX, but I spoke to customer service. I will not pay another dime until I can audit and match transactions charged to the account. I request online access, a billing statement, and a re-issuance of the card to obtain the account number for online access. Problem : I need an account number to access the account and forgot the password. I have a username, but the system does not recognize to gain internet access using the reset password.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hunter Warfield was purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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:
On XX/XX/2020, I submitted a complaint against the credit bureaus for allowing XXXX XXXX to report a trade line on my credit reports without providing full validation. The results of the dispute came back as 'verified and accurate '. Thus, I called XXXX and asked them to provide me the documents used to validate this debt. I was told that my records didn't exist and that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. Thus, on XX/XX/2020, I submitted a CFPB complaint against XXXX XXXX XXXX XXXX XXXX ( Company 's response attached. ) Furthermore, another company, XXXX, XXXX, has also contacted me about collection of this debt. In sum, XXXX is using it's in house collection company, XXXX XXXX XXXX, to report the debt on my credit reports, however, they are using several other companies to collect the debt. Neither of the companies have been able to provide me with full accounting and proof of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Self Financial Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I asked self to send me something stating my account has been closed. And also paid off and they did and I asked the credit bureaus all 3 XXXX XXXX, and XXXX to remove late payment off my credit and they have failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: AL
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:
The account with XXXX on my credit report was paid in XXXX. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX Account:XXXX Amount Collect : {$400.00} from Creditor : MIDLAND CREDIT MANAGEM, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sending this letter because I am very concerned. There is one late payment reported on my account on XX/XX/XXXX. This is affecting my credit score and now I am not able to get a home. 

I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payment was on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Capital One National Association to correct the late payment reported on XX/XX/XXXX. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 7 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 


Account information : Account number : XXXX Opened date : XX/XX/XXXX Highest balance : $ {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has violated my consumer rights by placing a collection on my consumer report without validating the debt with me first as I did not endorse a contract with AMSHER. This has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. Additionally this is a notice to cease all communications as stated in the FDCPA which states a debt collector can not communicate with a consumer directly or indirectly on any medium. Of course that includes credit reporting since that is an indirect medium. The following is an additional federal law that they broke. XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on XX/XX/XXXXXXXX  to pay a debt for an ambulance ride in a city I don't live in on XX/XX/XXXX. They asked for my birth date to validate my identity. I asked what the call was regarding before I provide personal information. They said they could not answer until I had verified my identity. I gave them my birth date and they identified themselves as Phoenix Financial Services. They also said my birth date was one date off, they had the XXXX. I said well there you go it's not me. They said until I prove it wasn't me I'm responsible for a bill of more than {$2000.00}. I hung up and called the hospital they told me, XXXX XXXX in XXXX XXXX, once again, not where I live. They have a record of someone with my name, but incorrect middle initial, different parents names, different social security, and incorrect birth date as well. As the details diverged more, the hospital stopped being able to tell me more. I am not a patient in their system either so they could not help me further or send documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am on a fixed income. I get Social Security monthly. I live in XXXX Missouri in an apartment at XXXX XXXX - XXXX XXXX my rent is XXXX dollars a month. I have had it taken out of my checking account with an auto pay app that is XXXX online portal, which charges XXXX dollars all together comes to XXXX dollars. I began having problems with the app in XX/XX/XXXX. I was being charged twice. I call my bank which is Wells Fargo to let them know and all so-called XXXX XXXX to let them know XXXX XXXX Gave me the money back in a form of a check. So, I call the bank back to cancel my claim. Bank told me they had to do a XXXX XXXX XXXX XXXX. on the XXXX. I was told that is money would be sent to XXXX XXXX in 30 to 45 days. Date was XX/XX/XXXX. I waited, In XX/XX/XXXX I was told by Wells Fargo they sent the money to XXXX XXXX. I call XXXX XXXX they tell me they never received the money. so I called the bank back to get information on who, what, how and where this money went to. and needed a written letter of proof that it was sent. all I got was a Claim number, and a bunch of numbers that was an ID number. I just do not know who has this money Wells Fargo or XXXX XXXX. i XXXX cant throw XXXX out the window. Can you help me to find the money? thank you 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 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX  for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}. 
When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing. 
When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund. 
I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days. 
On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX. 
I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also. 
Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.

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 2023-10-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are XXXX there is nothing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding LLC continue to be persistent in trying to obtain financing from me for a debt they bought and is unable to verify per the requirements of the FDCRA. I have written LVNV Funding LLC to cease and desist all communication and they refuse to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: AES/PHEAA
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:
My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play onXX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief