BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: Capio Partners, LLC
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection account appeared on my collection report from ASSETCARELLC/CAPIOPART   for an aparant medical debt from XXXX XXXX XXXX in Massachusetts ; to which I have not lived in since 2014

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
Company: Franklin Collection Service, Inc.
State: NC
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:
Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX   agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX  has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For a {$27000.00} loan taken out from Sallie Mae in XX/XX/2004, I was charged $ 11,000+ dollars in disbursement, repayment and capitalized interest fees. The possibility of such exorbitant fees was not made clear to me at the time of the loan. I do not feel this type of loan practice is fair and would like to know what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.

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 2019-02-19
Company: LendUp Loans LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, my daughter told me to check the State Controller 's office website, sco.ca.gov because I had five new things saying I was owed money from from a company called LendUP, so I went to the website and checked and found. I find this totally illegal what they have done, using a GOVERNMENT WEBSITE in a ruse to get people to call them thinking they are owed money. I paid this loan off three years ago and owe them nothing so I ASSUMED that either they were a part of a lawsuit or I had overpaid - something but not the illegal tactic they used.

Business Contact Information : FLURISH INC. DBA  LENDUP CUSTOMER SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX ( XXXX ) XXXX XXXX Type of Property : REFUNDS DUE Cash Reported : Under {$100.00} Shares Reported : 0 Name of Security Reported : Date Reported : XX/XX/XXXX Date of Last Contact : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
An account stating that I am delinquent XXXX, which, should show I dispute, also showing incorrect payments made in XX/XX/XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX and again in XX/XX/XXXX. That is false, I did not make any of those payments and actually reported my card stolen in XX/XX/XXXX,  provided police report and XXXX   reporting this information regarding other accounts on XXXX  and XXXX   correctly. Also, does not state last payment made, which XXXX, in a letter sent to CFPB states was XX/XX/XXXX.

I am disputing this debt as I have sent in complaints that XXXX XXXX corporate did not effectively communicate their accounting errors and did not reflect my refund to my card/account correctly to XXXX   and XXXX, which would have shown that my account was paid and closed.

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 2020-08-26
Company: PENTAGON FEDERAL CREDIT UNION
State: DE
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 have a loan with XXXX, PENTAGON FCU, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX, PENTAGON FCU, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

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 2018-07-01
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I noticed a Collection had appeared on my credit report. It was opened by Diversified Consultnts. To which they said I owed them {$410.00}. I never did any business with them so I confused as to why they were trying to collect money from me to which I did not owe. I looked through and see that the original creditor is XXXX which confused me more as I still have a active account with XXXX and was never told about this debt or sent any bills for. Upon finding out this information I gave XXXX a call and was told it was from a closed account to which I was told I owed nothing towards after paying my final bill. This collection has destroyed my credit and ruined me from going forward to get a home loan for myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion Credit Bureau is still refecting a collection account on my credit report that has been paid in full and the other credit bureaus XXXX  and XXXX  has removed this collection. 
XXXX  # # # XXXX opened XX/XX/2019 with a {$0.00} balance.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you

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 2018-04-10
Company: Professional Finance Company, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received phone calls on a frequent basis for the past several weeks from my local area code, each time a different call. I have answered at least 2 of them and both times they said they were from Professional Finance Company Inc ( PFC ) in XXXX, Colorado, calling about a debt that I owed. The area code on the numbers they were calling from is not their area code, but an area code I used to live in, which leads me to believe they are phone number spoofing. I asked the second lady I spoke with why they did that and I got a generic ( I'm paraphrasing here ) " we make a lot of calls to different areas, and people are more likely to pick up if they see a local area code listed '' response. 

The debt I owed is apparently a year and a half old water bill to a city that I no longer live in. Today I paid that bill to the city after getting in touch with them, as I did not feel comfortable giving all of my information to a caller whose identity I could not verify ( I did not know when I spoke with PFC that I could request their license number ). I am firstly disappointed in the city for not reaching out to me despite them having my contact information ( but that's another issue ). Secondly, I am concerned that PFC won't stop, given the numerous complaints I have read about them online. I am also concerned for myself and others about them spoofing phone numbers. 

I am not strongly literate when it comes to various laws, but it doesn't look like they are violating the FCC 's Truth Under Caller ID Act or the FTC 's Fair Debt Collection Practices Act directly ... however, in in my opinion, this sort of tactic is problematic and should be unlawful. Like I said above, I could not verify the caller 's information by phone number because any scammer could spoof phone numbers, XXXX any collection agency 's information and provide it if they are asked, and scam individuals that are uneducated on their rights and laws pertaining to this situation. If phone spoofing by collection agencies was illegal, the average consumer would not have as much to fear. 

https : //www.fcc.govXXXX https : //www.ftc.govXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: MI
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 opened an Experian account to check my Personal Credit, this because I have applied for a few Credit Cards and was denied. So after looking at the Credit Report, I was shocked to see 'XXXX XXXX XXXX XXXX XXXX ' on it. This because even though I admit I do owe back child support to the XXXX XXXX XXXX, I have been paying every month for several years. Never missing a month. I was told by Experian that even though I pay every month, that the 'XXXX XXXX XXXX XXXX XXXX ' status will remain NEGATIVE on my credit report because even though I've been paying on time every month, I still have a outstanding balance of back child support owed. So I said OK! 
That having been said, I then ask if it legal for Experian to keep 'XXXX XXXX XXXX XXXX XXXX ' account on my Experian credit report if the 'XXXX XXXX XXXX  XXXX XXXX ' can not provide them with the an ORIGINAL SIGNATURE? Which I know 'XXXX XXXX XXXX XXXXXXXX XXXX ' can not produce, because due to the fact I was living in the state of XXXX and was not able to appear in court when my child support case was in front of a Judge in the state of XXXX , a judgment of court ordered child support obligation was placed on me by default of me not appearing. And even though I am ordered to pay child support, I never signed the Judgement or court order. So therefore, because I never signed any child support judgment or court order, I feel that Experian should remove it from my Credit 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 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I closed my capital one secured credit card account and paid the remaining balance. When I opened the credit card account, I put a {$300.00} deposit which I am supposed to get back. I have called and talked to thier customer service three separate times and they claim the check was sent out on the XX/XX/XXXX but they would send an email to the department to cancel it and have another check sent out. I still have not received the check and I don't believe that I will receive it unless someone forces them to give me my money that they owe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked XXXX XXXX XXXX to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/2018 I've repeatedly told Citi Bank that I was a victim of identity theft, I've sent them all the required documentation including a police report, FTC report and Affidavit and declaration of unauthorized use. They are violating my rights according to the FCRA, they should be blocking this account from reflecting on my credit report. This is affecting my job, and other aspects of my life.

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 2018-04-10
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have worked in the public sector for over 15 years. I graduated from school in XX/XX/XXXX, and have been paying on my loans since then. In XX/XX/XXXX, I knew about loan forgiveness for public sector employees. I contacted my loan proceeded in XX/XX/XXXX and asked what I needed to do to qualify for the loan forgiveness. At that time, I was set up on an automatic withdrawal to pay the amount every month at about {$350.00}. I have not missed a payment since XX/XX/XXXX. In XX/XX/XXXX, my loan was taken over by Mohela. I left everything the same, even though my principle ( which had doubled to {$42000.00} ) was not decreasing. Today, I talked to Mohela about getting that loan forgiveness, and they told me that I was enrolled in extended payment ( with am expect repayment date in XX/XX/XXXX which is 35 years after taking our the loan ), and extended payment doesnt qualify for forgiveness. I have been paying on time for 9 years, with the principle of the lon not decreasing. When I talked to a supervisor about this, they told me they were sorry and that the extended loan repayment was to help consumers. How can they even try to say that? I will also be writing my senator and congress representative about their predatory practices. This is disgusting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never have criminal record and I dont have stolen identity

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 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection agency named : The CBE Group reported a collection on my credit report for the amount of 4XXXX from XXXX XXXX on XX/XX/2018. This is not my Debt, so I contacted The CBE Group and they verified that a person with my same name in California had the Debt. again, I told them this is not me and they asked if my last XXXX of my social was**** and i told them No, my last 4 is ****. CBE then stated that since I was not the person on the collections account, they could not give any further info. I told them that its obviuosly not me on their account, so take this off my credit report, and they stated " sorry, we cant help you ''. I told them I live in Missouri, not in California. They still refused to help resolve this false credit reporting that they made on my credit report. 

The CBE Group XXXX XXXX XXXX. 
XXXX, IA, XXXX XXXX

Company response to consumer: Closed with explanation