BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXXXXXX XXXX  XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXXXXXX XXXX XXXXXXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2018 I allowed someone I thought I trusted access to my bank account at Wells Fargo. He proceeded to deposit fraudulent checks ( 3 for {$700.00} each ). 
XX/XX/2018 I noticed the hold was lifted. Automatic payments go through. Two transfers I thought I had access to went through. 
XX/XX/3018 A hard hold was placed on the account because the checks bounced. No deposits, no withdrawals. The account was due to close within ten days. I figured they would keep their word about not allowing deposits. 
XX/XX/2018 I notice the negative balance, and questioned how they allowed the checks through, replaced the hold, and sent them back, against my account. 
XX/XX/2018 I noticed my debt had gone down by the same amount of my XXXX check. I mistook this as them hacking away at the scam. 
XX/XX/2018 It sunk in that it was my check, because I saw that particular DEPOSIT had gone through. I picked up the letter about the matter, which plainly said everything was blocked and my account was due for closure. 
I called the bank, was shuffled around three different departments, and was finally handed over to the supervisor of Loss Prevention. 
I told them about the email, and letter, that plainly stated NO DEPOSITS would be allowed through and my account was to be shut. 
I was told the exact opposite, that my account could not be closed with the negative balance and their collections department was allowed - by any means necessary - to, well, collect. ( This includes garnishing that XXXX check, my only income. ) Today, XX/XX/2018 The collections department woke me up to ask about the rest of the debt that I can not pay because I'm on XXXX. The person had the nerve to ask me when my next check was due. 
They already yanked one out from under me. I needed that for books for college. 
This is corrupt, if not illegal.

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 2018-09-07
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been out of school since XX/XX/XXXX and have made every attempt to pay back my outrageous student loans/interest. In order to help in my efforts, I enrolled in an income driven repayment program. Since I have made enough payments to be forgiven my loan debt I applied for forgiveness. I received a letter stating that though I made over 120 payments as required and work at the approved employment sites only TWO of my payments would count towards loan forgiveness because instead of paying {$55.00} ( for an example ) I'd pay $ XXXX because I rounded up. When I called to complain they reviewed it and sent another letter in XX/XX/XXXX stating my payments that were approved went from TWO to SIXTY because they only manually go over your application, versus the initial electronic review, once calling and filing a complaint. When I called to ask why only sixty payments were approved I was told it was because other of my payments made were only for the amounts I was billed, which means, for example, when I paid {$56.00} instead of {$55.00} for the month of XXXX and now my XXXX bill reflects a minimum payment amount of {$55.00} ( because of the excess change from the previous month ) instead of {$55.00} and I paid what I was billed, that payment is ineligible. Absolutely absurd and ill-informed about any rules or regulations. Nothing is on the site to indicate such and it is not common knowledge!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: Nevada Credico, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX Nevada Credico , Inc dba Quantum Collections put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.

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 2018-11-06
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!! 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Waypoint Resource Group, LLC
State: MN
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:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$360.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I have contacted and asked for proof of accounts and got no results. I told them If they couldnt prove me documentation I would like it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a notice that my bank account ( held jointly with my husband ) at Citizens Bank was overdrafted. I immediately reviewed my account and found two fraudulent checks cashed on the account. The first was for {$4200.00} ( cashed XX/XX/XXXX ) and the second was for {$1800.00} ( cashed XX/XX/XXXX ). In total our bank account was debited for {$6000.00} in fraudulent transactions. I verified that I still had in my possession the legitimate checks and went immediately to the bank where they filed an investigation and had me sign an affidavit, opened a new account and put a fraud warning on the original account. 

We have tried to follow up several times with Citizens Bank to determine when our account would be made whole and we have had little to no help. My husband attempted to reach out to the Loss Prevention group and no one would speak to him. We jointly spoke with a woman in the customer service department on Saturday XX/XX/XXXX that told us that our investigation would be closed on Friday, XX/XX/XXXX and the funds would be returned to our account. That woman was supposed to follow up with us to answer some additional questions regarding Citizens repeated attempts to pay a bill from our account and she never returned our calls so I then went into the branch on Thursday, XX/XX/XXXX and spoke to a local representative. He called the fraud department directly on my behalf and was also told that the investigation would be closed on Friday XX/XX/XXXX and the funds would appear in our account by Saturday XX/XX/XXXX. He even confirmed that he was allowed to relay that information to me. Those funds have still not been returned to us. I followed up this morning with the same local representative who again reached out to the fraud department for us and we are now being told that they won't return our funds to us until they recover them from the banks that cashed the fraudulent checks. My husband called again to customer service this evening and was given the same answer and told that they were allowed to keep our money from us for 8 weeks. 

We live paycheck to paycheck and can not pay our bills without this money. Citizens Bank does not deny this was a fraudulent transaction. We have showed them the physical checks which are still in our possession. One of the fraudulent checks does not even have the correct bank account information on it, however they were still cashed. Citizens Bank should not be forcing us to take the penalty on this. We have been promised that the money would be back in our possession by now and they have decided that they'd rather their customer feel the pain than make us whole. Citizens Bank clearly does not value their customer service relationships. They've lied to us and led us on for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After talking to two bank representatives that if I made a deposit, that my funds would be available the next day, I deposited my paycheck in the amount of {$1800.00} into Citizen 's bank on XX/XX/2018 at XXXX. Well to my surprise only {$200.00} was released to me the next day. My funds were on hold. The week before the deposit I had opened an online account with the bank and an online representative had also told me funds would be available the next day.. I agreed to terms and conditions, but nowhere in it have I read that my paycheck would be on hold for 5 business days, who would have agreed to such a policy knowing you would need your money? On XX/XX/2018, I went into the bank and spoke with XXXX who told me my paycheck was on hold until Monday XXXX XXXX. When I asked her can't they call the bank the check is written on to verify the funds, she told me they don't do that anymore due to privacy rights. I find this so hard to believe knowing the day of technology that we live in. 
As of the date of this complaint, XX/XX/2018, I have been without my paycheck for 7 days now and my bill collectors don't care that it is for 5 business days! I feel as if this bank is punishing me for whatever reason. I have heard of banks holding funds for 3 days but 5 unbelievable! I even asked XXXX on XX/XX/2018 if I could just get my check back and she stated probably already gone through the process once scanned, but wasn't sure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: AMERICAN HONDA FINANCE CORP
State: TN
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:
American Honda XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation.

American Honda has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Atlanticus Services Corporation
State: LA
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:
I made a payment to XXXX for the amount due on the due date. It was after I got home from work, about XXXX XXXX and submitted it. When I checked my statement today I saw they charged a late fee of {$37.00}. The due date was the XXXX of XXXX  and made on the XXXX. They processed it on the XXXX. When I questioned them on the charge they said I made it after XXXX  Eastern time. There is no place on the statement giving a time restriction. If that was the case they should have required it be paid a day earlier so they can do their job and post it properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions 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:
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail dated XX/XX/XXXX and received by me on XX/XX/XXXX from Experian. They have been ignoring my disputes and just casually 'updating ' the accounts with typical account info. Therefore, there are a few accounts still ILLEGALLY REPORTING in my credit file. As I mention in my attached document, Experian stated in this Dispute Report # XXXX on XX/XX/XXXX that accurate information can not be deleted. Well, please tell me how in the world an account thats reporting late months with THEM ( in XX/XX/XXXX and XX/XX/XXXX ) are reporting POSITIVE AT XXXX for the lifetime of the accountincluding for those SAME MONTHS they claim I was late! HOW IS THIS ACCURATE? WHY WAS THIS INACCURACY & VIOLATION NOT UPDATED TO POSITIVE? Please tell me how illegally reporting a re-aged account is " accurate '' information. Or how accounts that have two different " account open '' dates across bureaus are reporting 'accurately ' with you. THESE ARE ALL VIOLATIONS. I demand that this dispute be expedited due to Experian 's negligence and the disputed accounts be deleted immediately and updated to positive where noted. The attachment includes my SS card and photo ID.

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