BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC representing XXXX XXXX  My account with XXXX  XXXX  was closed and paid off in full more than 10 years ago. 
I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX  XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current. 

I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course. 

This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before. 

I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you. 

Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau. 

On my other credit bureaus besides XXXX  I am not having any issues. 

Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to resolve this problem and it has been very difficult to get answer to the questions about this issue. I am definitely not hiding from anyone, but I need help, not my credit destroyed! Its everything I own, and the fact these companies dont help customers like myself when problems happen.

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 2017-12-18
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: RentDebt Automated Collections, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
No attempted to collect debt from me from company bc debt is completely false. Amount of {$500.00} on my collections and an account of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Pheonix Financial Services sent erroneous bill with account numbers that have no association or permission from me to have been created. It lists XXXX of XXXX County as the original creditor for alleged ambulance transport that never took place. I never received emergency care during XXXX. 2 different account numbers are listed on the bill and I did not give consent to the creation of either one. It also lists XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the current creditor who assigned it to Phoenix Financial Services. I have made several attempts to have ALL 3 entities correct the matter to no avail. I have also requested a copy of the original contract with wet ink signature and no response. Injury has resulted from the inaccurate reporting placed in my credit file. I would appreciate this matter being resolved expeditiously. Thanks in advance and please forward to ALL parties named.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: GA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXXXXXX XXXX XXXXXXXXBalance XXXX {$3200.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}

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 2018-05-21
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I assume the calls are coming for a collection company overseas. When they initially contacted me it was during hours I was working and I asked them to send me something in writing and after that they continued to call me the same day after I had identified myself. I will speak with an agent and after hanging up they will flood my phone with calls after calls all day long and when I pick up there will be dead air. This is annoying and harassing because I am not avoiding them. The agents refused to hear me out I have asked them to stop calling me and even blocked their number and they contacted me from a different numbers. Today I decided to speak with someone and try this again. The guy kept talking over me wouldn't let me explain to him why I hadn't responded which was because I had moved and I hadn't gotten the letters but he kept cutting me off and started getting very agitated asking me do I intend to rectify this debt I have had long enough.. I tried to ask him what address he had but he continued to talk over me wouldn't verify the address they had on file for me. I told him I won't continue this call he is being rude and to not call my phone again or I will report him to the XXXX he said go right ahead and I ended the call. Because I realize that I possibly do owe this debt I called the company back and got someone else who also became with defensive and talked over me. I asked her to email me the bill and within 1 hour got another call from the company and it was just dead air. I feel like they can't understand me when I am talking, that maybe they have been trained to be aggressive. I don't want to deal or give money to anyone that treats me that way I would rather deal with the hospital. At the time I went I was in a financial crisis but situations are better now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This compliant is against XXXX XXXX in XXXX Az. 
The address related to this debt is from XXXX XXXX. 
In XXXX, the landlord left the power in my name after the lease was terminated and I had already relocated to XXXX I was not aware of this debt existing until XXXX. 
At that time I filed a dispute, sending in copies of my lease and proof that I that prior lease on XXXX was terminated. XXXX took no action. 
In XXXX, I relocated back to XXXX only to find out that this was still on my credit and this was the beginning of this debt negatively effecting my ability to secure housing AND even my ability to have power. 
They refused to turn on power for me unless I PREPAID my power. Which I did. 
I had power for 3 months before getting evicted and forced to move back to XXXX in XX/XX/XXXX. 
At this time XXXX started falsely reporting by billing date on the original debt from XXXX they are manipulating laws around statute of limitation, to make it in their favor. 

the second issues is that they have sold this debt. Discharged it for a year. as you will see in the evidence. And have resold this debt to a new collector.

I had my credit score improve 30+ point when this debt came off in XXXX. 
Now that it is back on my credit is below 500. I am not able to get approved AGAIN for housing because of this adverse effect on my credit. 

In my recent dispute against the new collector, CCI. They are still not able to provide chain of assignment or proof they can legally collect this debt, as it is required in Fair Debt Collection Practices Act, 15 U.S.C. 1692b ( 6 ) and 1692c ( b ), et seq. They even respond and say they will not sue me. but they will harm my credit as long as they can. 
Even with the fact that they are manipulating the dates of this debt to try and use statue of limitations that has long past.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I am presently XXXX and trying to secure a residence ( and not with another slumlord ). I had an eviction that happen some years ago when I was struggling after losing my significant other ( I am a single parent of three ). I do not want sympathy or a hand out I worked very hard to get to a better place in life. I had my eviction sealed, but Transunion is still reporting this to prospective landlords, I have been trying to work with them to get this removed so that I can procure proper housing for me and my children. I have been in contact with them and was told they needed the signed order from the judge. Because I was working with an attorney I asked if i submit it can this be expedited due to my circumstances and was told yes. I obtained the info and submitted it to the email address giving to me by the Transunion representative, when I called to inquire if it was received I was told it was not, at this point I verified the email address and asked for a supervisor. The young man was very understanding and helpful. He had me try several times to resubmit the info while we were on the phone, yet he was not seeing it come through. So he sent me an email and had me respond with the document which he finally received. He told me to call back on Tuesday ( XX/XX/22 ) But I called Monday just to make sure this is being handled. The young lady on the phone told me I had to wait for up to 30 days, I explained to her this is not what I was told. I then asked for a supervisor and was told I couldn't hold for one ( as I did on Saturday ) but that i had to leave a message. I just need this info updated so that I can give me kids a stable place to reside and this is totally unfair to me as a consumer.

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi Old Navy CC ; SynCB ; I'm little confused that you even allowed to mark me late on XXXX & XX/XX/2021 for 30 days last during XXXX. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.

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 2016-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient continues to contact my father regarding a private student loan that was taken out in 1997. He has made payments on this loan however t It seems that the principal has never gone day and continued interest is piling up. They call constantly up 7 times a day on robo calls. I had changed the contact information since I place them in debt payment plan with XXXX XXXX XXXX. I asked them to stop calling my father since he is a senior and it has become hard financially. They continue to call and report negatively on our credit reports. They have become a nusance. I also asked if I could do a financial hardship and they denied it. The calls just keep coming in and my father has XXXX and the situation has gotten worse. Navient has the worst collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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: Account status incorrect

Complaint:
XXXX XXXXXX/XX/XXXXhas reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

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 2018-05-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.

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 2016-11-07
Company: Nelnet, Inc.
State: TN
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:
My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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: Account status incorrect

Complaint:
XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. 

I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX  XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. 

I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.

Company response to consumer: Closed with explanation