BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. 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 2020-12-17
Company: CURO Intermediate Holdings
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A scammer pretending to represent Speedy cash call XXXX XXXX XXXX lied to my daughter stating that he would bring her credit score up and a XXXX will be deposit to her account after two deposit to her account to bring her credit score to XXXX. My daugther had a problem with her bank account with some other transaction and could not use it to have the money deposited. I let her borrow my account to deposit this amount. He deposited XXXX and instructed my daughter to ask me to transfer her to her XXXX account and she proceeded to send it to an unknown woman. He then lie to her stating her credit report was not high enough for the loan and wanted to repeat the transaction using my bank account. I completely refused and told him by calling the number above that I will report him to your organization. I recently received a claim letter stating that a temporary credit will be put in my account after my bank complete an investigation. This transaction was made through an ATM. I know this is a scam and they are trying to utilize my bank account to transfer money. Please contact this scammer above or track his address for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I.C. System XXXX. XXXX XXXX XXXX XXXX, MN XXXX I am writing in response to collection, XXXX. # XXXX, XXXX  XXXX XXXX XXXX, in the amount of : 1. {$1400.00} 2. {$85.00} 3. {$930.00} I.C SYSYTEM, nor XXXX  XXXX XXXX XXXX, have produced a contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper validation, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid. I.C. SYSTEM, INC. continues to harm my credit file with negative reporting and not properly validating alleged claims and shall remove this immediately! 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x. 


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 2020-08-24
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Discover Card has been statements along with private and confidential information to an address in XXXX ILL that does not exist. Discover card is also reporting this address to the credit bureaus and is seriously impacting my life and my families life.

Discover is committing a federal crime by sending my information to the address in XXXX Ill. How this managed to happen, Discover card will not tell me and they have total disregard for the issue. Discover card says well you opened the card and the debt is valid which is once again, a total disregard for them sending statements to a XXXX address that does not and has not belonged to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: TX
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:
There are two collection agencies reporting two different medical claims to Equifax that have been paid. Equifax is the only credit bureau that has failed to properly investigate my disputes and delete the erroneous accounts. The other two bureaus completed a thorough investigation and removed the medical debt that is still being reported on Equifax. I have called and submitted disputes online. They are simply accepting the collection agency 's word over mine even though the collection agencies do not have any information to refer to to properly verify and validate the alleged debts. The original medical companies no longer have any of the files to verify anything. The collection agencies simply have an old bill. They collection agencies are XXXX XXXX XXXX and XXXX systems. Neither of these are medical providers thus they do not have any permission to follow up on any claims so they are attempting to collect from a single bill that they received from billing departments years ago. Those claims have been paid. Equifax has failed to thoroughly investigate my dispute. Both accounts are in violation of the NCAP settlement. The Equifax disputes department is not even aware of the NCAP settlement regarding medical debts. Instead Equifax is ignoring the 180 day policy and still allowing these collection agencies to report nonfactual information even though they began to collect less than 180 days from the original service date. The policy states collection shouldn't commence any less than 180 days from the first date of delinquency. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen the debt is not mineThe creditor using threaten tactics to recover money that is not mine Im being harassed at work and at home after XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a lease with Toyota Financial and my account was on auto payments and on XX/XX/XXXX through XX/XX/XXXX 4 months my account never auto paid because of an error and I got late payments on my credit report. according to my credit report, I got 5 months of late payments and Toyota never got in touch with me to let me know. This account has been paid every other month and is closed now fully paid and they still will not fix this error on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by a collections company ( XXXX XXXX XXXX ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America drafted {$370.00} from my checking account and placed it in a negative status. I had {$610.00} in my account to cover my insurance, credit card payment, and XXXX XXXX payments. I woke up to - {$310.00} ( negative ) in my account. So my 3 transactions came out of my account PLUS an additional {$370.00} DEBIT that no one at Bank Of America could answer.

They kept stating I filed a claim, I called today reporting is as fraud but no one would assist. After 2 HOURS, they advised me since my husband is on my account, he has his own INDIVIDUAL PERSONAL account and was negative for almost 3 months. So they took it upon themselves to draft funds from my checking account, and NOW PLACE MY ACCOUNT IN A NEGATIVE STATUS. First his account was negative, and pulled funds from my account as these payments were drafting, and placed my account in a negative status to make his account " current. '' How does this work? How do they shift the negative status from one account to another? 

They have financially impacted me, stated I have to " take responsibility '' for my husband 's personal account status, and did not care that my account is negative {$310.00} and now can not pay my bills. I am now facing 4 {$35.00} overdraft fees they can not assist with. 

someone from corporate called me to " apologize '' for the situation I am going through, but only called to apologize and not take action. I need to pay bills, and medicine that they don't care about. I am now negative - {$450.00} after fees should they go through ( wont know until 1-2 days ). 

How do I pay for my XXXX medicine? How do I pay for a follow up visit that I need to see my doctor for a previous XXXX I've had? How do I put gas for the next 2 weeks before I get paid again? How do I buy groceries? It was my husband 's debt on his PERSONAL account, and they never notified me these funds were coming out. I CAN NOT believe they just care about the money and could not make payment arrangements with me by phone today.

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 2018-02-11
Company: Convergent Resources, Inc.
State: CO
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:
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, 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 2019-11-15
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated calls from XXXX Ext. XXXX regarding some sort of collection debt for my wife. I informed them I not aware of any outstanding debt and the name on file although similar is not my legal name. The person now is contacting my job asking my office reception for personal information regarding my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I transferred XXXX to my Bank of America account XXXX. I made an error. I should have transferred XXXX. Subsequently, four items including one for {$5.00} dollars put my account into an overdrawn state. Aside from the error, I have repeatedly asked BOA not to pay out if there insufficient funds. I was charged {$140.00} dollars. I would like the total amount returned to my account-it clearly was an error.

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 2019-04-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my total credit card purchase and now XXXX credit card are billing me with interest for not paying. 
I called XXXX credit card and I have the receipt that I paid my total debt owed! 
Macys credit card still charging me with interests!

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

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 2018-03-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit systems Inc placed an collection account on my credit file XX/XX/XXXX for the amount of {$500.00} disputed with company in XXXX of XXXX and they have refused to remove information from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received a call from XXXX ext XXXX XXXX XXXX  I received calls from several family members regarding this phone number who is calling to collect a debt. Information on these family members was never provided to this specific company when initially was approved for credit, as this is an in-store credit card company. 

Somehow they have obtained phone numbers to 2 of my family members disclosing my financial issues. These family members do not reside with me nor in close proximity and this is an invasion of my privacy as I have not discussed my financial struggles with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
onXX/XX/XXXX i deposited a business check into personal account by mistake with the moble app and huntington locked my account, they wont let me have access to any funds in the account before the check was deposited. i done a chat with a bank rep on the web site and asked if i bring in county business license, state tax id, city business license will that unblock my account and was told yes. i printed out the chat and took it with me to huntington bank location ( XXXX XXXX XXXX, XXXX, KY XXXX ) and talked to XXXX i was told the paperwork i brought in was no good as the county and city license was not this years, wouldnt take state tax id i been using since XXXX. i went back next day with current county license and a receipt of city license stamped with citys name and stated business use license until original is mailed to me, again refused tax id and city license. 

the letter huntington sent me said only a 7 day hold on the check and its past that now i dont see what else they would want to prove its my business check i told them i have tax id , county license, cbi number, ein

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Credit score went down significantly although nothing changed on my report. I called Experian and spoke with representative XXXX and asked for an explanation as to why the company took such a large number of points from my score and continue to take points. His response to me was that the company can not give me an explanation. 
My email address is 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 2018-12-07
Company: EQUIFAX, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On Equifax it is showing as closed, XXXX % paid off, but no payment information ( Highest Balance = {$0.00} ) - Equifax screen shot attached.

I disputed with XXXX  on XXXX  XXXX  & XXXX   XXXX  ( via XXXX website ), details attached. I also disputed directly with Equifax on XXXX  XXXX  ( details attached ).

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).

Company response to consumer: Closed with explanation