BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
MEDICREDIT INC has reported a medical collection to my credit report in XXXX of 2019. I received a collection letter from them a month ago and XXXX a dispute as well as called to dispute this amount within 30 days of receipt of collection letter. HOWEVER, medicredit ignored my dispute and keeps reporting this wrongful collection on my credit. Now I'm getting calls very threatening and rude calls on my cell and at work, stating that I will be arrested or issued a warrant if I didn't pay {$5200.00} immediately. They said they will freeze my accounts and levy my wages and arrest me .... how is this legal to do. I have a full medical coverage, I contacted XXXX  hospital who stated they had no past due balances with then that insurance paid all costs and they are NOT affiliated with medicredit. So this whole collection is a FRAUD. Please help me bring medicredit to justice and remove this erroneous account from my credit report immediately and 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 2018-03-19
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX, XXXX, XX/XX/2017 I had late payments due to financial hardships which is why I got the loan in the first which I'm now on top of and working to pay off my title loan. XXXX reported late payments on my credit history reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: V and H Portfolio
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 called earlier, because I am missing points and was charged excessive fees. When I spoke to the agents, they would not listen and transfer me. When I called back, I asked for a supervisor. The male agent who answered the phone was incredibly rude and refused to transfer me an agent. He transferred me back to the main line before repeatedly refusing to allow me to speak with a supervisor to resolve the issues. He was incredibly difficult to understand and speak with. So I am hoping to get alternate help to resolve the issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: Nelnet, Inc.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi my name is XXXX XXXX and I just recently opened a Chase banking account and was excited about it! I received my ATM card I was using it for deposits everything was good and then I get a letter saying that chase is closing my account because they found out that I live in a hotel! I explained to them that I'm a resident of the hotel and that's I'm getting housing next month and I will have a different address for them but they still wouldn't accept that I live in a hotel even though I had a written form saying that I'm a resident at my hotel and my manager signed it they said that they needed it witnessed and my manager needed to go down to the bank! I don't know any managers of the hotel that are willing to do that for anybody! I just feel I was discriminated upon and that it's wrong I'm going to close my account all because I live in a hotel!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Real Time Group, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took out a 2nd Mortgage on my house on XX/XX/XXXX, through XXXX XXXX , XXXX Later it was sold to XXXX XXXX XXXX , XXXX XXXX , then to Real Time Resolutions, who currently holds this loan. The original amount loaned to me was {$15000.00}. After paying on this loan for 14 years now, I still owe {$12000.00}. 

I called XXXX XXXX ( XXXX ) on XX/XX/XXXX, and spoke to XXXX XXXX. I told him of my issue, requested an amortization schedule showing how my balance is still so high ; he stated that he would have someone call me within 30 days. 

I never received any sort of response from my first phone call. My 2nd phone call was made on XX/XX/XXXX. I again reached and spoke to XXXX XXXX. He says the loan boarding department reviewed my account and that their figures are correct. I again requested an amortization schedule or any other document that will show me how my payments have been applied and why my balance is still so high. XXXX stated that he would " escalate '' my issue and that I would be contacted within 10 days. 

Over 4 months later, XX/XX/XXXX, I STILL HAVE RECEIVED NO RESPONSE in regards to my requests. I called today and spoke with XXXX XXXX. He was beyond rude, talked over me repeatedly, then advised that I did not " correctly state my request in my two previous phone calls ''. He also stated that his notes show that my loan, which was set to be paid in full as of XX/XX/XXXX, would not be anywhere near being paid off. He told me that he would request a document showing how my payments have been applied, but followed up with " but I can not confirm that you'll actually get such document ''. 

I have been paying on this loan for over 14 years at {$210.00} per month and per Real Time Resolutions, I have only paid off a total of {$2500.00}. I would like to know where my money has been posted and how I could still owe so much. I did contact the original loan holder, XXXX XXXX, and since they'd sold the loan years ago, they were not able to help me. 

I appreciate any assistance you can give as I feel I am NEVER going to get out from under this debt. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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: Public record information inaccurate

Complaint:
I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: CO
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2019-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In early XXXX I noticed that there were charges in the amounts of $ 20-25 on my account from " XXXX '' and contacted my bank ( bank of america ) to remove these charges because they were unauthorized. I was told to contact XXXX and check with them if these charges did occur and I was mistaken. After contacting them they confirmed that the charges were not there on their end either. So I called my bank back and made a claim and they gave me temporary funds and said that they would look into it for the final decision. In early XXXX I received a notice saying that my claim was rejected and they were taking back the temporary funds that amounted in about {$54.00}. They removed these funds and now my account is in the negative and i received an overdraft fee. I still want to reject these charges because XXXX said that I never made them and I don't remember making them either.

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 2019-06-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal, which handles online financial transactions between buyers and sellers on the XXXX  platform, is improperly withholding payments to XXXX  sellers even when perfect performance has already been rendered to XXXX  buyers. This unjustified withholding of valuable consideration from XXXX sellers is a clear breach of PayPals escrow contracts with various parties, especially in the absence of a sellers breach and without the approval of buyer and/or XXXX itself, because it is not authorized by statutory, decisional not administrative law and imposed costs on XXXX   sellers. PayPals has already been put on notice about the unlawfulness of its approach and the injuries that are imposed on XXXX  sellers, but this escrow agents persists in its error and refuses to uphold its fiduciary duties. The argument that PayPals breach of its escrow contracts actually helps XXXX to prevent fraud has no basis in law nor in fact, considering that XXXX provides numerous protections to its buyers that does not require impairing the rights of sellers and does not support this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collector Convergent sends bills for payment. {$2800.00} or will accept half. Calls on my phone about everyday to try and collect. Has been told by myself numerous times that this was discharged through bankruptcy but continues to call and send an invoice for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX/XXXX XXXX FL, Brclybankde XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 and repeatly XX/XX/XXXX I had disputed on my XXXX credit report because I had paid it in full and they denied the dispute and it remains on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The fee structure and daily interest accrual make the loan payments for the XXXX XXXX Flex Loan restrictively high. My loan balance was {$3800.00} on XX/XX/XXXX and required monthly payments totaling {$1000.00} ( 2 x {$520.00} ), and yet the principle balance was expected to reduce by only {$100.00}. I was only able to afford {$75.00} with my most recent payment on XX/XX/XXXX ( first time late ). The new minimum payment is over {$900.00} and the loan payoff has ballooned to {$4800.00} in less than two weeks. 

After calling XXXX XXXX to inquire about extended payment plans, lower interest rates, or a lower fee structure, I was informed that none of these options exist. My account would continue to accrue 279 % APR interest calculated ( and accumulated ) daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recived a traffic ticket in XXXX of XXXX. It went to the collection agency and was paid when it went to collections. They said a letter was sent On XX/XX/XXXX, and then another letter on XX/XX/XXXX. The way I found out about this was a letter sent to my house XX/XX/XXXX that says " Second Notice - Action Required '' When I asked to speak to a supervisor they sent me to voicemail. After I asked for a copy of terms and conditions they " found '' another account I had failed to pay which is untrue. I believe they are trying to steal from me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
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:
Experian is reporting an account on my credit file that does not belong to me and the account is as a result of identity theft. Experian is reporting the following account fraudulently : XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$19000.00} Balance Updated XX/XX/XXXX Original Balance Monthly Payment {$780.00} Past Due Amount Highest Balance Terms 62 Months Responsibility Individual Your Statement Comments This is not my account and is on my credit file as a result of identity theft. I have contacted XXXX XXXX in Experian 's Consumer Affairs department to file a dispute of fraud but he has never called me back. I have sent 3 certified letters to Experian demanding they remove this fraudulent account from my credit file and they have refused to even respond to me. I have provided a police report to Experian regarding this and other fraudulent accounts being opened in my name without my permission as a result of identity theft and they have not responded to me in over 3 months. This is not my account and I am attaching my recent police report to this complaintl

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 2018-10-24
Company: Lending Club Corp
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: ALLY FINANCIAL INC.
State: TX
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:
I purchased my lease vehicle through XXXX XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through XXXX XXXX XXXX Ally. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Bread Financial Holdings, Inc.
State: NY
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:
THE CREDIT CARD COMPANY CHARGE AN ACCOUNT PROTECTION PLAN FEE WITHOUT MY PERMISSION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX  XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.

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