BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX capital one took payments out of incorrect bank account and was charged two over draft fees for these transactions. I have been getting payment taken from another bank account except this time. I didnt authorize them to use the bank account through XXXX bank. I closed my credit card accounts due to them fraudulently taking money out of the incorrect bank account and they wouldnt do anything to assist me with there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any  other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter has made 2 payments to this company after we settled on an amount.The first payment was for {$150.00} and the second amount was for {$1000.00} in XX/XX/2018. She paid the {$1000.00} so they would stop calling me and upsetting me. The account is under my name but it was for some tires that I took out for my daughter but she fell behind on the payments when she lost her job. I asked repeatedly for them to stop calling me as I am in poor health and they would upset me every time they would call saying that I was going to get sued if I did not pay them. I gave them my daughters phone number so they could talk to her and that is when she gave the payments. I recently refinanced my home but not to get money from it, I did not take out a single penny. I refinanced to lower my mortgage payment and to lower my interest. Somehow they found out about it and thought I had money so they called pretending to be XXXX  XXXX XXXX. I gave them my social security number thinking it was XXXX  XXXX XXXX and I got scared when they told me I owned money and I needed to pay it. I knew it wasn't the bank when the man calling started getting mad and using foul language with me. They pretended to be XXXX XXXX XXXX, and I got really scared because I thought they were going to reverse or take away my re-finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 2020-01-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency " Credit Systems International '' ( https : //www.creditsystemsintl.com/ ) called my cell phone ( week of  XX/XX/XXXX ) trying to collect a medical debt, without any prior written notification. Collector would only state the amount owed. Collector had no knowledge of the date of service, service performed, my patient account number, and had an incorrect address stated for my home address. Collector told me that they had just received the referral and they were attempting to collect a debt under my name. In turn they stated it was my responsibility to contact " XXXX XXXX XXXX '' in XXXX, TX that was where their referral come from. The collector did not have " XXXX XXXX XXXX  '' address, phone number, or a contact person. The collector just said, " you can XXXX '' and get that information since you did not pay your bill. 

" Credit Systems International '' only had my name and the amount owed, but absolutely no other information. But I was fortunate enough to be assigned an collection account number : XXXX. 

After multiple attempts, I located " XXXX XXXX XXXX '' supposedly an outsource for XXXX Hospital in XXXX, TX. The charges were from a XX/XX/XXXX hospital stay, that I have never received a billing notice for, because of an incorrect address. " XXXX XXXX XXXX '' were billing on behalf of Dr. XXXX of XXXX Hospital, XXXX, TX. The billing clerk admitted that they had an incorrect address, but had a correct phone number ; she stated they never tried to contact me direct and sent the bill to a collection agency ; " Credit Systems International ''. 

In turn since I was never billed correctly, and the calendar year has changed to XX/XX/XXXX ; I am unable to access funds from my health saving account to pay for a medical billing from XX/XX/XXXX. 

I have made arraignments to pay XXXX direct. But the collection agent has a partial profile/file on my billing and is still trying to collect this debt without proper knowledge of the billing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased tires for my car in XXXX of XXXX, I used a credit card SYNCB/Car Care Town Fair ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to XXXX XXXX.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Tuesday XX/XX/XXXX, Virginia XXXX XXXX XXXX issued a hold on both my Checking and Savings accounts due to a misunderstanding in state taxes for the year 2014. On Wednesday morning, XX/XX/XXXX, I received a phone call from Virginia XXXX XXXX XXXX indicating that they had reviewed my 2014 returns ( I filed in XXXX that year ), and that they were sending the release request to Capital One. First release request was sent at XXXX XXXX  Wednesday morning, second at XXXX XXXX, and a third at XXXX XXXX Yesterday, XX/XX/XXXX, I had VA XXXX XXXX send a XXXX release notice to my local Capital One branch where I had a financial XXXX personally hold and view the release notice and fax and email it to the division responsible for releasing the hold. Since Wednesday morning, Capital One has not released the hold on my accounts. Any attempt to call Capital One support, email, or speak to a branch representative ends up in the same dead end, " We can not contact our legal department. '' Both my accounts are still frozen, and I have been forced to rely on my credit cards for payments. No one can give me a status on my accounts, I can't even tell if the XXXX XXXX has received the information to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, a savings account was opened with {$25000.00} deposit into a Bank with the promise that I would receive an interest rate of 1.5 % and a bonus for depositing that amount of {$200.00}. At the time of opening I did not have the code, but the person opening the account said that it was not necessary, for she could verify the code number. In subsequent calls, the bank was provided with the code. Shortly after that, my wife also opened an account, and also made a deposit of {$25000.00}, but with the understanding by the bank that this deposit would not interfere with my earlier deposit. In a few days my wife 's account was credited with the {$200.00}. My account to date has still not received the bonus, despite numerous calls, talks with supervisors, and always with the statement by them that they are researching the account. One supervisor said that the research would be done by XX/XX/XXXX. On a call on XX/XX/XXXX, the representative said that he sees the notes, the fact that the code was provided, and that the person who made that statement was unavailable. On multiple occasions, we also told the bank that if there is a problem with both names appearing on either account, they can just remove the joint name. I was told this was not the problems. The person on that date promised me a call back on Monday, No call was ever received. 
There are recording by the Bank of all the calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )

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: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX. 

Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer. 

Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone. 

They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
Total of 3 XX/XX/XXXXXXXX accounts were opened as following that do not belong to me 1 ) {$4600.00}. XX/XX/XXXX submitted dispute 2 ) {$440.00} XX/XX/XXXX submitted dispute 3 ) {$4300.00}. XX/XX/XXXX submitted dispute Please help me resolve this issues that I am having periodically. Someone other than me is being reported to my credit report. The third item still has not been resolved yet. 

Even though I have disputed 3 times with Experian, the issues are not being resolved. 
Someone with similar names and birth dates keep appearing on my credit report. Please let me know whatelse I need to do to resolve this issue. 

Please let me know what is going on please? I want to be able to end this as soon as possible

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 2020-01-30
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a phone call from a collection agency to my wifes phone saying a dept collection I have no ideal what it is because my bills are with XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I received an email from XXXX XXXX and XXXX XXXX regarding a loan application that was submitted to them in my name. 

This was a fraudulent application, which I did not make. 

As a result of this information, I attempted to place a security freeze on my credit reports. I was successful in doing so online with XXXX and XXXX however, Experian refused to freeze my account. 

They provided absolutely no information and demanded that I mail my request to them. 

Time is of the essence, as the result of the fraudulent application for a loan in my name and therefore waiting several weeks to mail my information is problematic. 

This appears to be a universal problem with Experian and I would appreciate any assistance you can provide me. 
Thank you 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 2020-08-24
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: Information belongs to someone else

Complaint:
This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
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:
I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have XXXX XXXX/XXXX on my credit report DIVERSIFIED CONSULTA that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was away from my main home and living in XXXX XXXX due to COVID-19 local government lockdowns, thus I did not receive any paper statements regarding my {$100.00} balance owed and was completely unaware of this purchase. 
After lockdown easing, I returned home and immediately after seeing a pile of Macys statements. I called Macys to resolve this issue. 
I paid off the balance via a last minute offer made by an agent who stated once the payment is made, the negative items on my credit report will be removed. 

I was told by several Macys representatives that if I pay my balance that the negative items reported on my credit report would be removed. However it was never removed as promised. I was then transferred to several different agents. After making the payment, they stated that they no longer have access to my account, and can not make any modification. And told me that Im unable to speak with the macys credit report department, and I must write a letter instead. 

I wrote a letter, and called to speak with Macys executive office. I spoke to a gentleman who denied my request to have these negative information removed. 

He did not list specific reasons, only that it was denied. I pressed for a reason and was not given any to understand why it was denied.

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