BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated  XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. 

Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is  eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX  XXXX XXXX   website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: North Idaho Credit Corporation
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is billing me for the 3 transactions totaling XXXX because they did not bill the insurance ( XXXX XXXX ) when I updated them in XX/XX/XXXX. They billed a previous insurance carrier I had before that and at this point and even over a year ago would most likely deny it for timely filing but XXXX XXXX has not billed the current insurance ( at that time XXXX ) because I called and asked them. I updated XXXX XXXX in XXXX XXXX ( around XXXX ) when I had an XXXX at their Imaging Department. I had to provide a copy of my Driver 's License and a copy of my Insurance Card. XXXX XXXX Billing Department would not return my call. I called them throughout XXXX when I received these 3 bills and all the way up to XX/XX/XXXX when they still would not return my call. They had a Patient Representative call but this is a billing matter. I called her back and she would not return my call. I would like to report XXXX XXXX and North Idaho Credit Corporation for falsely creating an outstanding bill and utilizing unfair and unethical credit collection practices to keep tabs on me, purposely create hardships by reporting falsely to my credit report, trying to violate my privacy by accessing my EMR records ( the Patient Representative that called named XXXX at ( XXXX ) XXXX. The 3 bills that I am reporting XXXX XXXX and North Idaho Credit Corporation are Date of Service XXXX for XXXX with a XXXX  Interest that brings the balance to XXXX, Date of Service XXXX for XXXX with a XXXX Interest that brings the balance to XXXX, and Date of Service XXXX for XXXX with an Interest of XXXX that brings the balance to XXXX. Thank you for investigating.

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 2021-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by Equifax data breach, I'm positive this is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
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:
The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist Bank processing has been charging excessive overdraft fees for covered charges. The ledgers do not fit the the online mobile app. The overnight processing dose n't not match the info listed in the online mobile app. Even when the account is funded to a positive balance within 8 - 24 XXXX, consistently states that the processing on their side does not reflect what is seen on my side in he mobile app. Within 11 minutes the account was refunded and I still received a {$40.00} overdraft free based on the {$20.00} accidental charge, This is robbery. I have had so many problems with Suntrust now ( Truist ) from not being given a right to apply and receive funds for the initial PPP loan to being denied the right to open up a Bank Account with the original location I went to open my account at. I have had enough of these excessive overdraft fees and them stealing peoples money. Its mucg  bigger than the {$40.00} overdraft fee, This is extortion and robbery. I refuse to keep accepting this treatment. Suntrust. Truist needs to be fined and a class action lawsuit against them for these un coordinated and misleading processing practices. They are definitely robbing people if this is happening to other customers.

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 2018-08-24
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One. I have called them they can't find my name under my ss number or birthday but they won't take it off my credit report. I send information to them and they still won't take it off. 
I am hoping you all can get it off my credit Thanks You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N C XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
At XXXX XXXX CST on XX/XX/18 I received a call from a man who said he was with CSG. I asked him what CSG what that was and he said our office in XXXX, Georgia. He said he was calling me in regards to a file he had in his office and he was wanting to resolve it before they proceeded with further legal actions against me both criminal and civil. he never once identified himself as a debt collector or advised any information would be used for that purpose. He went on to say that he was representing Certegy and that they had three debts I needed to pay. The amounts he gave me were {$380.00}, {$250.00} and the other he trailed off on. He said he wanted to provide me the chance to resolve these before they proceeded against me. I have previously spoken to Certegy and the balances are no where near this. I advised him that he was incorrect and he got verbally pushy. I told him he was violating my rights and hung up on him.

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 2018-08-24
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 I contacted SB & C, Ltd. was referred to XXXX? and asked for verification of amount I owed. Twice she refused, said a letter was in the mail and would not verify the amount. This woman was aggressive in her tone and condescending. I told her I had not raised my voice to her and that she was being rude. The Lady hung up on me. Recently XX/XX/XXXX the judge had reduced my LFO and sent it back to collections. In the 7 years that this company has held my account, I received two letters, one on XX/XX/2018 and XX/XX/2018. Until 2018 I was unaware this company had an account for me.The interest charges on this account are being disputed. This lady has the ability to spin someones life out of control with her attitude. I have the right to be treated fairly.

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-03-15
Company: Uptain Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I noticed an account on my credit reports for {$430.00}. I immediately sent the company a letter asking for validation of alleged debt, and proof with my signature that I have any obligation or contractual obligation to pay them. I received a piece of paper showing the alleged amounts I allegedly owe nothing that I asked for in my letter to them. I again sent a follow-up letter dated XX/XX/XXXX have not received any response nor have they noted on my 3 credit reports as per Federal and State law that the account is being disputed.

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 2018-03-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX cards ( specifically reward cards ) uses an archaic payment system which will not allow you to schedule automatic payments out past the current billing cycle. The system is set up that way because many people forget to log on each month causing a large late payment fee, typically over {$38.00}. During Hurricane Irma we were a bit discombobulated and I forgot to log on. In the meantime they hit us with late charges and would not ever consider accommodating the circumstance. I have not paid card in full and will no longer do business with a company that is set up to hit consumers with late fees when their system is not even up to date with the industry. Other consumers need to be aware of what they are getting in to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Check was deposited to Bank of America from a reliable bank ( XXXX  ) for XXXX XXXX And should be deposited no late than 4 day on a hold A ( the account has been open for more than 30 day and has been deposited larger amounts ) but the bank is holding to it for more than 2 weeks and has not processed the check yet when called their telling me that its been in the process of getting to it but they have so many checks that it going to take a while and the deposite department cant do anything about it. Something doesn't feel right.

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 2019-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to, I'm requesting these account to be removed from my credit because they are no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Merchants' Credit Guide Company
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bull city financial original debt holder is XXXXXXXX XXXX  I havent been in a transported in a ambulance since XXXX when I had a XXXX XXXX this is my wifes that past away I have had a XXXX credit card since XXXX all my co pays or what the insurance dont pay goes on the card I pay it monthly on time its been removed from all cedit reports except XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Debt Recovery Solutions, LLC
State: IL
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:
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXXXXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. Debt Recovery Solutions has applied this account onto my credit report on XXXX and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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