BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: ULRS, Inc.
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:
This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: SUNRISE CREDIT SERVICES, INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a collection letter from Sunrise Credit Services that XXXX placed my account in collections. After contacting XXXX, it was confirmed to be an error and should have never been placed in collections. 
MULTIPLE times I contacted Sunrise and spoke with XXXX XXXX. She said she was a supervisor and I needed to file a dispute. She said they would not contact XXXX to confirm the account was sent to collections as an error. XXXX gave me the email address to send my dispute and I did on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating they have tried to contact me numerous times and failed so XXXX had asked them to report my debt to my credit report ( both lies ). Today, XX/XX/XXXX, I contacted XXXX with sunrise again and she still refused to contact XXXX and stated they still did not receive my dispute and gave me the address to mail her a dispute. After hanging up with XXXX I contacted XXXX again and spoke with a supervisor who stated I did not owe anything and sunrise had been notified of that. Since sunrise refuses to help me, I was advised to make a complaint.

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 2018-06-21
Company: General Motors Financial Company, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My GM Financial account should not be showing any balance as my gap insurance covered this. I have a letter to prove this that has been uploaded. I am actually getting back a credit of {$1800.00} for my Vehicle Service Contract. There should be no balance reporting for GM. Please correct this on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told to go into forbearance by my loan provider, navient. I learned about income driven repayment plans from a coworker, I sent all of my documentation and I was accepted for a good plan. I was not notified in a timely fashion that my payment plan was running out, was suggested by my loan provider to go back into forbearance ( all while this is impacting my credit negatively ). I attempted to get the documents to Navient on multiple occasions and their systems were down. My income driven repayment plan was still not completed before I entered into even more financial distress, but the prior payments would have and still are feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX I sent Experian my FTC report as well as a police report for identity theft on the following accounts below. The documents were sent XXXX and through the CFPB portal. The documents were signed for on XX/XX/XXXX by a representative of Experian.

I contacted Experian on XX/XX/XXXX and spoke to several representative who all informed me that the dont have the documents. I am resending the documents again today and demand that the fraudulent accounts below be immediately removed from my account.

Fraudulent Accounts Which Needs to be Removed. 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 2020-08-21
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.

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 2018-05-24
Company: Ballybunion Enterprises, Inc
State: AL
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:
On XX/XX/2017 there are two hard inquiries that I don't recognize with such a company from 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 2018-06-29
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX PULLED MY CREDIT ON XX/XX/2018 AND NEVER SENT LEETER OR VALIDATION. CEASE AND DESIST COLLECTION EFFORTS ANS CEASE CONTACT.

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 2020-02-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX college sent me to collection with conserve for {$890.00}. Then they add their fee on that. They are saying it was for financial aid. I made too much money to qualify for any financial aid or pell grant. I was only able to take out sub and unsub loans through student loans using my SSN. I ended up dropping out of classes but My student loans are currently through XXXX and are on deferment. So I am trying to figure out how they are trying to make me pay back money that im already paying back anyway which is my student loans that are in deferment. I called conserve and they said they couldn't remove it from my report and that they have to dew what XXXX college tells them. So I emailed the business office at XXXX to ask about the debit and maybe settling on it if I actually infarct owe it and they said I would have to discuss settlements and payment with conserve. So I am being drug around in circles and its very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: LAW OFFICES OF MICHAEL K. SIPES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have a XXXX county superior court case XXXX demand for payment of {$9500.00}. took my remaining $ XXXXfrom my bank account yesterday i am a single mom and there are XXXX college children

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from XXXX XXXX. I have never had a XXXX  XXXX flexible spending account as stated on the report. I called XXXX XXXX XXXX. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at XXXX XXXX  were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called equifax and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from equifax stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called XXXX  XXXX, they could not locate an account number with the last 4 digits XXXX. So, how was equifax able to do so. Equifax fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. XXXX XXXX was never able to locate any account when I contacted them directly. I am stuck with no answers from XXXX XXXX or from equifax. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or equifax has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have requested the following items to be removed from my credit report they were removed XX/XX/XXXX and then put back on my credit report. The below listed items are not valid debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opend XX/XX/XXXX still showing open XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX OPENED XX/XX/XXXX. 

I have tried to get these removed with no luck.

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 2020-07-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have multiple credit cards issued by Citi bank that I have been using for more than a decade. I have been a good long standing customer with Citi and they have treated me well until recently when one of my credit card was cancelled without prior notification. I found out that my card was cancelled in a embarrassing way when i tried to use the card for a purchase and it was denied. When I called the card service I was told bank has no obligation to tell the customer when they cancel the card. As per agreement they have the right to cancel it without any notification, and they deliberately made this policy not to inform the customer in cases like me where the reason for cancellation was simply the card was not used for long time. At my end since I have multiple cards didnt keep track of usage of each card besides there was no information provided upfront that my card will be cancelled if not used. With cancellation of this card my credit limit has reduced and dont wish to open new card since I dont want to hit my credit score. My concern and reason for complain is I am a good customer with perfect credit score, no risk to the lender and yet my account was closed without prior notification, or giving me opportunity. I came to know about the cancellation in a embarrassing way.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX  and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ALLY FINANCIAL INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On Wednesday XX/XX/2020, I received a call from Ally Financial Post Bankruptcy Department. I indicated to them that i need and wanted to keep the vehicle and resume making regular monthly payments ( {$670.00} Per Month ) They indicated to me that i would have to make payments of {$1100.00} for the next 4 months and then the payments would resume back to there regular monthly payments or they would repossess the vehicle. Due to COVID-19 we have been on unemployment and with the extra unemployment benefit that expired i am unable to afford {$1100.00} a month with a weeks notice or a threat of repossession. I return to work on XX/XX/2020 and i am behind on all bills, Not just Ally Financial? Ally Auto graciously did a forbearance, But if you did not have the money during the forbearance, How would you have all the money at the end of the forbearance? Also, This vehicle is vital for us to get to and from our jobs starting back up on XXXX after being on unemployment for month 's due to COVID-19 and no fault of our own.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

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