BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter dated XX/XX/XXXX demanding payment of {$3500.00} for a fraudulent debt. Claimed we owed for XX/XX/XXXX rent when we were moved out by end of XX/XX/XXXX. 

Timeline of our communications XX/XX/XXXX I asked for proof of debt XX/XX/XXXX I spoke to someone who tried to explain verbally but he didn't understand what the charge was for either. Said he would get back to me XX/XX/XXXX I spoke by phone again but they still couldn't explain the charge XX/XX/XXXX spoke again. Finally told it was for XX/XX/XXXX rent but couldn't explain why being charged XX/XX/XXXX spoke again and was told we didn't give enough notice. Emailed collector proof of proper move-out notice XX/XX/XXXX spoke again and now told it was because we didn't return the keys in time XX/XX/XXXX I demanded further documentation : explanation of charge and why reason was changed, where in the contract does it say we're charged for late return of key and proof we returned the key late XX/XX/XXXX collector said they would not email proof and would only speak on the phone. Transferred me to manager who then hung up on me. Called back, transferred again, hung up again XX/XX/XXXX called someone else at the collector. Again asked for written proof, put on hold for 10 minutes, informed it was for late notice, refused to provide any further information, hung up on me XX/XX/XXXX emailed again demanding proof of the debt. Collector responded with the invoice and a copy of the contract. No indication of which clause was broken or documentation that the clause was broken XX/XX/XXXX collector advised me to call a different manager. Left several messages XX/XX/XXXX collector called, I said I was not paying the debt, their client did not provide any documentation supporting the invoice. They responded my account was now " eligible '' to be reported to the credit bureaus

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX ( XXXX ), XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX, contacted me on XXXX stating I owed credit card debt from approximately XXXX. They said to stop pending legal action I must pay a small amount now then the entire balance. I paid {$200.00} and provided a credit card number. Since this call I found out, that Household Bank XXXX balance of {$1000.00} was charged off by Household Bank now XXXX XXXX on XXXX and the file did not indicate the debt was not sold to any third party collection agency. My understanding is that the statute of limitations is XXXX  years for XXXX? If so, since the account was charged off in XXXX, XXXX years ago, how can XXXX threaten legal action some 20 years later. XXXX mentioned I made a payment in XXXX, but could not provide the information, nor the original balance due and fees added to total {$2300.00}. Household bank also stated they didnt have any file for me and owe nothing. Im very concerned, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Was not notified of investigation status or results

Complaint:
I have numerous of unauthorized inquiries on my TransUnion credit report. I sent letters to Transunion dated, XXXX XXXX XX/XX/2021, and XX/XX/2021. I NEVER received a reply to any of the letters. I contacted TransUnion on XX/XX/2021 and spoke with XXXX XXXX, Supervisor in special handling, who advised she does not see any of my letters. I confirmed the addresses I mailed them to, she advised the address was not the issue. She advised if they feel a letter is from a credit repair agency they will not process them. Well, I explained to her I AM NOT a credit repair agency I am my self and I have unauthorized inquiries on my credit report and they are refusing to reply to me. She advised there is nothing she can do because they deem they don't have to. I truly think that's against my consumer rights. How can you just choose not to process my request. From my understanding accourding to consumer laws they have 30-45 days to respond to me and they have yet to respond

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 2023-04-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Navy Federal. I am not sure about this account was for car loan or credit card either I believe no late payments was made. The FCRA law allows any collection after two years be removed from my credit report. I respectful request that this be removed.

I have made several attempts to have Navy Federal. correct this error with no success. I submitted requests for adjustment in XX/XX/2021. 

I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-01
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I only knew about this debt because of XXXX XXXX. I received no notice and have been trying to contact them for details. I am not sure what account this is regarding, as I have taken care of my hospital visits already. My recent hospital visit was not charged on the grounds of charity. I have already contacted the hospital to confirm that it was in fact absolved. If this isnt a charge from the hospital I am not sure what is it, and have been trying to gain contact to find out where it is from. It has been on my report since XXXX, which also dont make sense, as I have not visited the hospital at all this year. If it is older, I do not know why I havent gotten any information regarding the charge and it being sold to collections. I graduated college in XX/XX/2023, and working on repaying student loans. for this reason I can not afford this expense and need the opportunity to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,

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 2018-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX IN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-07-28
Company: RS Clark and Associates, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... RS CLARK ASC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MD
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 have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I own an American Express Blue cash preferred card. 

I enrolled into an offer which states that - " Get a one-time {$60.00} statement credit by using your enrolled eligible Card to spend a minimum of {$300.00} USD in one or more purchases on room rate and room charges at participating XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... '' I booked through the website as it was mentioned in the offer - XXXX 
The property is also NOT in the excluded list. 

But, even then Amex is denying to process the {$60.00} credit. 

My claim is here that Amex lure customer with these fraudulent offers and then do not honor them. I have reached out to them several times through online chat service as well as phones calls, but their representative keeps denying the claim with no substantial reasons or false claims. 

I have all the written confirmation email for the booking at at one of the properties of XXXX XXXX  at XXXX, North Carolina between XX/XX/2023 - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: C & M Associates Group, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
repeated phone calls weekdays and weekends, early morning, late evenings sometimes after XXXX, calls received on cell phone and job phone. Threats regarding, bench warrant for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX, Experian, XXXX XXXX all of them keep telling me they cant take these unauthorized accounts and inquiries off my credit report I sent In police reports ftc reports and I even sent over documentation to prove that my identity was stolen and unauthorized Good and service was open without my consent to do so and they wont do any about it they told me they was going to investigate I havent her anything back or when I call them they hang up

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 2021-07-28
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Reference # XXXX I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-07-21
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans does not offer a way to speak to a human being. They have an automated attendant that loops customers around only people wanting to begin a new loan have the ability to speak to a person. I believe customers are legally entitled to a number where they can speak to a person about their current loan. A very suspect company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company, First Merchants Bank, has been overcharging me for my escrow withholding significantly this year. After I got my first property tax bill this year, I called them on XX/XX/23 and told them they overestimated the taxes and needed to recalculate based on this year 's actual bill. They sent back paperwork XXXX weeks later with my existing escrow schedule and did not re-run anything. I have not heard anything from them since. I can not keep making these inflated payments.

Company response to consumer: Closed with explanation