BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reinstated my conventional loan with XXXXXXXX XXXX, who had previously filed foreclosure. I got behind because of been laid off due to COVID. 
I wired the full reinstatement amount ( see exhibit 'A ' ) which included the XX/XX/XXXX payment and cost & attorneys fees. I have made all payments due since XXXX XXXX present. ( see attached 10 payments ) XX/XX/XXXX has been paid but not available on my statements as yet. 
XXXX is alleging amounts owed from the foreclosure that would be classified as fees, and are being challenged by me. Let me be clear, fees & cost are NOT regular mortgage payments and can not be reported as past due mortgage payments. These amounts have been previously paid and are being challenged by the consumer as shady and questionable business practices.

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 2023-07-14
Company: General Motors Financial Company, Inc.
State: NY
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:
I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was put on restriction over a month ago and I was told that it was due to suspicious activity. About a week or so later I called and I was told that my account was CLOSED, however I have no received my money which is still inaccessible and I need my money. Its been over a month but no one can give me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The below complaint was marked as a duplicate when it in fact is not, CCS ( XXXX XXXX XXXX ), requested more time to respond to this complaint in XXXX, on or around the XXXX, marked it as a duplicate today, XX/XX/XXXX. This complaint pertains to XXXX XXXX adding on additional amounts to my auto policy from prior policies which I believe CCS bought from them.. XXXX XXXX is still attempting to collect on these debts despite being invalid and sold off.. 

XXXX XXXX claims I owe them for past policies which were supposed to be canceled as per my request before additional coverage, resulting in a balance owed. It appears my request was not honored at the time and or canceled later for whatever reason, non-payment, etc.. A balance was generated as a result of this and XXXX XXXX sold the items, four in total, to CCS . I was contact by CCS for payment on each policy, the above info was explained each time and CCS stopped collection efforts. XXXX XXXX has added on the amounts in question to my current policy, please see info below ... XX/XX/XXXX Cash Transferred To/From Policy {$1000.00} XX/XX/XXXX Cash Transferred To/From Policy {$2800.00} XX/XX/XXXX Transferred Balance from Prior Period {$2200.00} XX/XX/XXXX Transferred Balance from Prior Period {$380.00} I do not have the policy numbers available to me. It appears XXXX XXXX is attempting to collect on old, invalid, charged off debts. In a prior complaint, I requested CCS to confirm this information, if they in fact purchased these debts from XXXX XXXX or not. My request was ignored, they addressed another issue in that complaint but did not confirm or deny if they had purchased these debts from XXXX XXXX. I need this information to forward on to an attorney for an investigation, XXXX XXXX is attempting to collect on old, invalid, charged off debts. Secondly, they claim CCS is their in house collections Dept when CCS is not located at the same address and does not have the same number as XXXX XXXX. I believe they claimed this so as to hide the fact they sold the above mentioned policies to CCS.. I need CCS to confirm whether or not they are in house collections for Liberty Mutual, I do not believe they are as CCS handles accounts for other insurance companies such as Progressive as well

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debit collector 's name is Portfolio Recovery. They have periodically been contacting me via mail or by phone to collect a debit that is over 18 years olds. They are past the statue of limitations and this debit is not even showing on my credit report any longer. Today I received a call at XXXX, the rep told me i am on a recorded line and asked for me by name. I ask " who is this '' they only told me there name. Then i asked " from who? '' Then they told me from portfolio recovery. They call every few months or so and also send a letter maybe one or twice a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MS
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-07-13
Company: HOVG, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving bills from the XXXX XXXX XXXX  since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX  XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 creditbureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorizedto fail to validate this reporting account as unverified information without providing any proof within the periodallowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listedon my credit report : 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 2023-07-14
Company: Professional Debt Mediation, Inc.
State: TX
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, on or about XX/XX/2019 I was contacted by bonneville collections of Utah. They had called and asked for me at work. It was roughly XXXX. During our conversation the collection agent repeatedly told me that quote I was not being a man, that I wasnt a good father, take care of this or else. That I was being a deadbeat dad. In a few different ways. I take this verbage as abusive language. My bosses secretary was standing right next to me as she was the one who handed me the work phone and couldnt believe that she had spoke to me that way. Again I believe most of not all people would consider this to fall under harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AL
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:
You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks

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 2020-12-04
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a resident at XXXX XXXX XXXX XXXX in XXXX Michigan ( owned by XXXX XXXX, at the time ). We moved out at the end of XX/XX/XXXX with all bills paid up, including the return of our deposit minus the final utilities ( water, sewer, trash ). 

In XX/XX/XXXX, they added a charge for {$760.00} and reversed the charge the same day. They are saying that I owe the {$760.00}, even though their own records indicate I have a {$0.00} balance. 

We never received a bill from XXXX XXXX XXXX XXXX, nor XXXX XXXX. Starting in XX/XX/XXXX, my wife and I both started receiving calls from a debt collection and eventually a law firm attempting to collect the {$760.00}. Each time I was contacted, I told them that we had a good relationship with XXXX XXXX XXXX XXXX  and if we owed them money, we wanted to make it right. It took from XXXX until XX/XX/XXXX before the finally sent documentation showing what we owed and that our balance was {$0.00}. 

I sent this information to XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX  XXXX XXXX XXXX. I could not contact XXXX XXXX by telephone. I sent them a packet with all of the information asking them to intercede ( I have not heard back from them ). I was able to contact National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. National Credit Systems refused to do anything, even though they were the ones who published derogatory information in both of our credit reports, because the case was in the hands of the law office. Even though I sent the information back to the law offices ( the information they provided to me ), they refused to take any action to correct this whole situation. 

I also filed disputes with 2 of the 3 credit bureaus who simply checked with National Credit Systems, who said it was a valid debt even though I had provided them the paperwork showing it was not a valid debt. 

To this date, our credit ratings still have the false information and none of the three ( XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX  ) have sent me any information acknowledging the mistake, nor have they been willing to discuss the matter when they called me or I called them. I even had one person tell me I should pay the amount requested without any documentation proving I owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Global Credit & Collection Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Global Credit Collection and I do not agree with this balance. When the car was picked up XXXX XXXX XXXX , XXXX informed me that I wouldn't owe a balance Now 5 years later I'm receiving mail from Global Credit Collection stating they are collecting on a balance for XXXX XXXX, XXXX This is so wrong and incorrect on many levels. I do not owe any money on this account. Please have this company stop harassing and threatening to obtain a judgement against me. I will take legal action myself if they keep harassing me over a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited a payroll check into my USAA checking account in the amount of {$860.00}. The bank placed a seven day hold on my funds listed multiple reasons ranging from the mobile deposit system doesn't recognize the check, to there was suspected fraud on my account. I contacted the bank multiple times attempting to have the hold removed and was unsuccessful. I spoke to over a dozen different representatives and managers and was hung up several times. The bank is legally obligated to release a payroll deposit within two business days after the deposit up to {$5000.00}. This along with my account being placed in fraud prevention is a violation of my right to privacy and the banks authority to operate under FINRA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
RE : Loan Number XXXX Hi I have spoken about this matter with myloancare and XXXX XXXX   many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed. 
The issue that I only owe XXXX, XXXX, XXXX, and XXXX in which should amount to ( XXXX = {$9700.00} ) however, you system gives that I owe a {$12000.00} in which is {$3200.00} over what I owe. Such amount of {$3200.00} does not make any sense whatsoever. 
Again and Again and I repeatedly ask them to fix, it has been months and month of XXXX XXXX. Such XXXX  has effected my health, and work, and my physical shape. Also, the web site gives me an other number of {$15000.00}, this only to add to the XXXX  further more. Again I ask them to fix such as well. In addition, the web site doesnt allow me to do any payments in which also adds to the stress this string of actions taken by them. I ask to give me the equal opportunity as other to pay online, please fix all accounts ( web and their record ). 
Also, please note, it is very XXXX  to call bank, as I have faced multiple times of disconnect while waiting for a long time to speak to someone. When I speak to someone, I have to transferred to someone else where I face a disconnect. This adds to the stress Thanks 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 2023-07-13
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Aidvantage has violated multiple Federal laws set forth by congress : Violations : 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) - Congress CLEARLY states that transactions or experiences between the consumer and the person making the report IS NOT included in the consumer report. 
15 U.S. Code 6801 - Protection of nonpublic personal information. Aidvantage has taken it upon themselves to report my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures which is a violation of 15 USC 6801. I have written Aidvantage letter dated 7/12/23 to request ALL of my disclosures that should have been conspicuously disclosed to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXXXXXX XXXX ), and exercised my right to opt out of having my information reported pursuant 15 USC 6802B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NM
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:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, XXXX, or Experian even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XXXX XXXX XXXX but my account balance on my credit reports show that they have not been updated since 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 2020-07-13
Company: Experian Information Solutions Inc.
State: WV
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:
My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Plastiq Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently enrolled in Plastiq services to pay for my XXXX XXXX. I have checked their policies with using XXXX XXXX as a credit card which is allowed under their Terms and Conditions I made a rent payment on XX/XX/XXXX for {$1800.00}, after fees is {$1800.00}. 
Plastiq just email me that the payment is cancelled and will be refunded back to the card without a reason why. I have contacted them and no response. 

The issue is that it is XX/XX/XXXX and my rent is due at the end of the month. I can not wait 3-5 business days for this refund and Plastiq is not being honest on why my rent was refunded when I have follow their protocols.

Company response to consumer: Closed with explanation