BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: Diversified Consultants, 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: Account information incorrect

Complaint:
I have a collections account with Diversified Consultants, Inc. XXXX for a XXXX XXXX account which is not accurate. account ends in XXXX I have tried to get copies of this invoice from XXXX XXXX as well as Diversified Consultants, Inc.and have never received it on an account that was previously paid off. 
They are incorrectly reporting on my credit reports that the debt is legitimate although they have not provided me with proof of the debt ( even thought I paid off this account years ago ) and they are now refusing to remove the debt from my credit report. 
My name is XXXX XXXX, XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Had been struggling to pay for the auto loan for some time now and just recently have been able to get caught up. I had been making payments in smaller increments bi weekly as I could. Most of these payments were being applied towards the principle and interest. I made a larger payment in XXXX for {$1900.00} expecting it to do the same but a large portion was taken for late fees that should have been allocated to the previous payments I made not during this last payment. I spoke to a rep about this who said there is nothing she can do and was unwilling to work with me on the fees. The fees are totaling over {$500.00} which I believe to be excessive & in no way helps me catch up. During the hardship I was in contact with the bank explaining why I was behind, which was a result of Medical bills that have now been resolved then I had 2 deaths in the family resulting from XXXX that set me back at the start of the pandemic when I was trying to get all caught up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-12-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have asked XXXX, XXXX, and XXXX  along with SANTANDER CONSUMER USA to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Aequitas Capital Opportunities Fund, LP
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated at XXXX XXXX XXXX - XXXX, TN ; in the Emergency Room XX/XX/2020. Veteran Affairs XXXX XXXX paid the XXXX XXXX that I have uploaded with this complaint. A third party through XXXX XXXX XXXX XXXX XXXX Account Number XXXX, has reported this to all 3 Credit Bureaus that has affected my Credit Rating and Score and has harassed me with phone calls and bills. I'm reporting Care Payment to CFPB and requesting that the derogatory negative information be removed from all XXXX Credit Bureaus and that Care Payment stop billing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed these two accounts with this collection agency and they remain on my reports. They have not provided proper verification or response within allotted time LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX Account # : XXXX Balance : {$1100.00} Open Date : XX/XX/2019 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/2019 {$900.00} {$900.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX account that went into collections with Radius Global Solutions. I entered into a settlement agreement with Radius Global Solutions and made 1st payment fine with no problem received a confirmation letter in mail for payment. Radius sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want XXXX ( XXXX ) made aware of this and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to sign up with XXXX in order to better manage my funds, and I was told that my bank was blocking me from allowing this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I signed up for a XXXX XXXX through Barclays back in early XXXX. I was told I was accepted, but I never got a card. I called I think on XX/XX/XXXX after I never received it and they said they would send another one. I never got that as of today which is XX/XX/18. I called twice today and without warning was cut off and sent to another department. I called a third time and asked for management which they would do until I threatened that I would get hold of the CFPB. I asked them what they had for my address and they wouldn't give it to me. I had given them my DOB and last four of my Social Security number. I was also told on my call back in XXXX that I still had to spend {$1000.00} by the time I was approved not whey I received my card. It has been two months since I applied and I had also flown XXXX again and I couldn't use the card which would have me about {$700.00} of the {$1000.00} I needed! I have never been treated so poorly by a financial firm ever!

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 2019-09-06
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: Information belongs to someone else

Complaint:
I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor Transunion, XXXX   or XXXX  provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.

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 2018-12-17
Company: SUNTRUST BANKS, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When i first got the loan, I signed up for autopay to receive a lower interest rate. My automatic payments come out on the XXXX of each month. This month ( XXXX ), the XXXX falls on a Thursday but I do not get paid until Friday the XXXX and I won't have enough funds to cover the payment coming out on the XXXX. I contacted XXXX via email on XX/XX/18 to ask them if they can move the autopay to the XXXX just for this month. They said they could not saying that once the loan is funded they are not able to make any changes. I replied on XX/XX/18 asking if I can temporarily cancel my autopay just for the month of XXXX without having my interest rate go up. They responded saying they are not able to make an adjustment to the autopay without affecting the interest rate and told me to call them for further assistance. I called XXXX on XX/XX/18 to explain my situation and they went on to confirm that they can't do anything about the autopay without the interest rate permanently going up. 

I went to my bank that has the checking account the autopay comes out of and the cost to block the autopay is just about the same as receiving an overdraft fee. {$30.00} vs. {$35.00} but no guarantee it would work since the autopay is not a physical check. 

I find it hard to believe that XXXX can't make a temporary change to a loan to help a customer avoid an overdraft fee. It's 1 day!

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 2020-10-12
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$960.00} to XXXX. I have NEVER had services with XXXX. I recently had them remove another debt that didn't belong to me in the amount of {$130.00} that was also allegedly owed to XXXX. I don't understand why they'd just add another collection in an even higher amount. Please remove this erroneous collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly

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 2018-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an XXXX Chase Visa signature credit card without applying. The card was accompanied by a brochure outlining XXXX XXXX as well as a guide to benefits privacy notice agreement rates and fees schedule along with a credit line amount. I contacted Chase Bank and filed a fraudulent action against XXXX. I also contacted XXXX and was told an application was not on filed in my name for this particular card. When I researched this online other individuals have experienced the same problem with this company and have also received the same card without applying this seems to be a common practice with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: RI
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy. 
15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # 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 explanation
Consumer complaint received 2020-07-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2020 I purchased tickets to an event using my Regions debit card. The following month, in XXXX, this event was cancelled due to COVID-19. I never received a refund from the vendor despite contacting them multiple times. Therefore, I filed a transaction dispute over the phone with Regions in late XXXX ( proof attached ). The Regions claims rep told me the money would be refunded to my account within 10 business days. She lied. Instead, Regions sent me a claims denial letter the very next day due to " lack of evidence '' ( proof attached ). I faxed Regions proof of the event cancellation ( proof attached ). Regions never responded or refunded the money to my account, so visited a branch location in XXXXXXXX on XX/XX/XXXX. The asst mgr, XXXX XXXX, told me that she can not assist with a claims dispute in-store and that it must be handled through their 800-number. I informed her that I called the number multiple times and no one EVER answers. She said " I know they don't answer, but you just have to keep trying. '' To-date, Regions has failed to refund my account ; I am escalating this matter to CFPB for investigation and resolve.

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 2021-07-13
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation