BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-01-31
Company: Eagle Recovery Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted XXXX and CITI bank who confirmed that first date of default on these accounts were XX/XX/XXXX ... XXXX sold this charged off account to XXXX and Citi bank sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
XXXX charged me late fees back in XX/XX/XXXX / XX/XX/XXXX for XXXX I HAVE NEVER BEEN LATE ON ANY OF MY BILLS OR BALANCES I WAS OUT OF THE COUNTRY WHEN I BELIEVED I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND CANT BELIEVE IN ALL YEARS I HAVE HAD THIS ACCOUNT NOW THEY HAVE AFFECTED MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I can not get ahold of a Mohela representative. There is no way to submit a complaint except by calling. I have called 5 times with hold times over 1 hour every time and unable to reach a representative. I have a job to maintain and can not keep this up. I am calling MOHELA to complain about the 90 day turn around time for the SAVE plan. Initially after applying I was given the timeline of 30 days for review. Three weeks later I received a notice of a turn around time of 90 days. I am being cheated out of Biden 's new SAVE Plan benefits meanwhile Mohela is reaping the benefits and I am forced to pay more than I should have. This is incredibly disorganized and chaotic. In the meantime, my interest is accruing and have already accrued over {$2000.00} since my application was submitted. Mohela is committing a crime. This means it will likely accrue to {$6000.00} of interest by the time Mohela gets around to processing my application, and that is {$6000.00} more that I should not have had to pay under Biden 's new plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Resurgent Capital Services L.P.
State: OR
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:
Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in 2011. I suffered economic loss from XXXX forward to XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
AmEx had an offer of 0 % on new purchases for approximately a year. During that year the annual fee of {$75.00} was charged. Despite more than minimum payments made on the account, which covered the annual fee, AmEx assessed interest on the annual fee prior to the 0 % offer expiration. The justification is that the 0 % APR applies to purchases only, not fees, but they used the outstanding purchases balance as the basis for applying interest on the annual fee. This is incredibly deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: Ceannate
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}

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 2022-04-14
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
principal payments not applied to principal

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 2021-08-13
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX LIST OF INQUIRIES XXXX XXXX Inquiry : XX/XX/2020 I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has retaliated against me for past complaints to the CFPB and other oversight entities, by continuing to engage in their pattern of abuse ; fraud and unfair banking practices. Recently, I was charged XXXX ( XXXX ) {$35.00} overdraft fees unjustly and on the XXXX XXXX, they placed a CASH IN BRANCH DEPOSIT ON HOLD UNTIL XXXX XXXX, claiming that I have had excessive NSF on the related account yet, it was their proven PATTERN OF FRAUD that accounted for any alleged NSF 's. As it stands now, WELLS FARGO IS HOLDING A CASH IN PERSON DEPOSIT UNTIL XXXX XXXX for no legitimate reason and INTENTIONALLY MAKING SAID ACCOUNT REMAIN IN A NEGATIVE BALANCE SO THAT THEY CAN FRAUDULENTLY COLLECT MORE NSF FEES. Wells Fargo contuinues to act corruptly in violation of State and Federal banking laws.

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 2017-04-07
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.

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 2018-02-06
Company: Midwest Recovery Systems
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency, Midwest Recovery Systems, was added to my credit report on XX/XX/2018. The debt or the account with the original creditor isnt mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: PNC Bank N.A.
State: PA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On today I called PNCs Customer Service # @ XXXX XXXX XXXX and they would not allow me to speak with a live customer. All it stated was leave a voicemail message and someone will call you back. I had spoken with an Executive Client Representative to whom appeared nervous and mumbling through his words and strangely gave me a hard time in verifying my account. These are nothing but harassment and retaliation tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Direct Recovery Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving a continuous stream of calls from collection agencies for a debt incurred by someone with same first and last name as mine, but not the same middle initial. I have repeatedly told these agencies that I am not the person in question, I am not related to this person, and I do not know him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$90.00}

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 2023-01-25
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$530.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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