BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX in the amount of {$130.00}. I instructed XXXX to discontinue my service on XX/XX/XXXX, turned in their equipment to XXXX  two days later, and had already paid the bill for the month of XXXX in advance. XXXX decided to discontinue my service XX/XX/XXXX, nearly a month later, then sent me the bill for their failure to discontinue the service on the date I requested. If their equipment was returned in on XX/XX/XXXX then I had no service for them to bill. I tried to explain that to XXXX when I responded to their bill in writing, but did not get a response from them. Shortly there after, I received a collection letter from XXXX XXXX, XXXX, Texas. I responded to XXXX XXXX in writing with a sequence of events between myself and XXXX explaining why I didn't owe them anything and enclosed a copy of the letter I sent to XXXX. A few weeks later, XXXX XXXX sent me a notice on their decision to stop collection efforts and I figured that was the end of it. Well, around XX/XX/XXXX I received a collection letter from Collection Bureau of The Hudson Valley on behalf of XXXX in the amount of {$130.00}. It is my belief that XXXX is using collection agencies to harass me for a bill that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are auto dialing and leaving no message. I called the number back and they were wanting me confirm who I was before they would tell me anything. Looking for address, XXXX, Social Security first of all I will not give out this info without knowing who and why. After calling the number I found out it was XXXX and as today I have not received any letters in the email in regards to why they would be calling. Sounds fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with Transunion and XXXX multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from Transunion stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from XXXX. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my  credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told Transunion and XXXX in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.

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 2018-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 2 USPS money orders totaling {$1100.00} on XX/XX/XXXX at an ATM.

Now I get this notice of a hold : Deposit Hold {$1000.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX PT I thought USPS money orders were supposed to be available funds after 2 business days? Why is there a 10 day hold?

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 2017-12-04
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

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 2018-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Please note that the dispute case number is XXXX. 
In XX/XX/2018, a service was paid for using PayPal for services to be expected from Mrs. XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX. However, this person did not complete the service. The protection of PayPal in an instance like this was the only reason for using such a payment method. PayPal is aiding the seller of a service, rather than protecting the consumer who used hard earned money to pay for what is sought to be a scam. Mrs. XXXX was allowed to keep the money for a service that she advertises as organizing with PayPal as her preferred method of payment. I opened a dispute with PayPal and they denied my case and decided in the favor of XXXX XXXX. There isn't too much to report and confuse things. It's simple XXXX XXXX charged me for a service using PayPal and she did not fulfill the commitment, therefore, I the consumer are titled to my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I took out a loan with Santander Consumer USA XXXX to buy a XXXX XXXX in XX/XX/2009. I got the loan with a rate of 29 % and they charged me 10 points upfront. 
I struggled every year to pay the car note paying more than 3.5 times what I paid for the car. I almost lost everything trying to make that car payment. 
I have been late almost half the time I had this loan. I have had the loan for almost 10 years after 10 years Santander should have take the negative remarks off my credit report after 10 years. 
Santander what they did was the oldest payments they took off my credit report so they could keep showing my negatives for almost 20 years way past what is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: NJ
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 ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

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 2018-10-15
Company: ERC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: KBHS Home Loans, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I availed of the XXXX  XXXX  ( XXXX XXXX XXXX  ) through XXXX. XXXX practically lost the documents that came with the closing packet and was not able to submit my applic in time to XXXX. Now, I can not avail of my {$2000.00} ( or 20 % of interest I paid ) yearly tax credit up to the life of my loan ( 30 years ). After lengthy follow ups, XXXX  offered to restucture my loan, but i still need to pay {$3000.00} plus to close. I refuse to do that. They also refuse to recompense me the equivalent of what I should have receive as tax credit for XX/XX/2017 and this year up to when we will finally restructure, had their company, through its agent done their due diligence.

NOt only I am not able to avail of my tax credit but they actually expect me to shell out MORE money! Preposterous.

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 2019-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
There is an inquiry that has been placed on my credit file on XX/XX/XXXX from BANK OF AMERICAthat, I sent the credit bureau ( XXXX ) a dispute letter asking them to verify this inquiry because I did not authorize the company or anyone to submit any application and if BANK OF AMERICA claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that BANK OF AMERICA verified or validated this inquiry when in fact I never authorize the company to submit an application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently.

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 2018-03-26
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I learned that I had a private student loan that had been opened since XXXX. From what I remember the lender was XXXX XXXX. The lender informed me that the statements/phone calls had been going to my mom house. They sent me a copy of the promissory note and I immediately notified them that it was fraud. It was my moms handwriting and we had never discussed nor did I sign a loan application. I was told I could not claim fraud because I benefited from the loan ( I disagree ). Immediately after my wages were garnished & I was told the only way to stop the garnishments were to set up a payment arrangement. I informed them that I could not afford the amounts and was told too bad. I could not maintain that payment plan as I told them. I called in XX/XX/XXXX after receiving an email from Texas Higher Education Coordinating Board and was told my account had been sent to the Attorney General. XXXX XXXX, at the Attorney Generals Office told me I could either pay $ 3700+ immediately ( despite me actually reaching out to him ) or accept a garnishment. I told him that if I had absolutely no other option I had nothing to hide from a Judge hearing my case and about the fraud. He coerced me into expiditing the lawsuit without telling me that the Judge wont care about the fraud, almost always rules in the Attorney Generals favor, and that it be nearly impossible to find an attorney to represent me because of that. Also, he nor XXXX XXXX XXXX never told me that they were representing THECB/XXXX XXXX only and not a mutual party and strong armed me into making legal decisions that were detrimental to me and my case. I still maintain that this is fraud yet Im told its a family matter and I still have to pay. The suit has been filed but now Im given the option to enter into a payment plan or face imminent garnishment. This matter could have been resolved years ago had they considered that it is fraud yet Ive continued to be bullied into paying a debt that I didnt apply for or know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I called them several times to try to find a solution to have to get a payment plan that I can pay on. To lower the percentage I pay towards this loan it wasn't like I was trying to not pay the loan, the loan is not even on collections they withdrew my rent money from my personal account without calling me first. I tried calling to get a payment plan and they always say there is nothing they can do for this loan several times. The bank is citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To '' ATTENTION XXXX  CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH XXXX THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX  CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

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