BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: TX
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 started my dispute process with Experian on XX/XX/2018. I sent the company a 609 letter asking them to verify the UNVERIFIED accounts listed on my credit report that are illegally impacting my score, I did this a total of 4 times! ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) ALL letters were sent certified mail, notarized, & I also provided a copy of my SSN & ID. The exact same response was sent to me EACH time verified account with NO evidence of binding me to these negative accounts on my report! no kind of documentation with my signature on it at all. It is now XX/XX/XXXX and the accounts still have not been verified. I need these accounts verified or DELETED. by law that is my right! to avoid legal action I would like to get these accounts verified or 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
Consumer complaint received 2023-01-19
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Genesis FS Card Services closed my account about a year or two ago. I paid the balance in full and requested the account to be closed. I continued to receive monthly statements as if my account was never closed. I've asked them to cease sending notices, and they refuse to comply. It has become a matter of harassment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Rauch-Milliken International, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a contract to use a virtual office mailbox with XXXX. The contract is for {$49.00} per month. I started the contract in XX/XX/2020. I paid {$49.00} for the 1st month which was XX/XX/XXXX and was billed {$98.00}. I was then billed {$49.00} for XXXX and I paid {$49.00}. The next invoice I received had new charges for additional services, forwarded charges, accelerated charges and late fees. 

I contacted XXXX and they stated that I contact Customer Service to get the invoice charges corrected which they gave me a credit note that was never applied and still did not completely reverse all charges but added them to a new invoice plus late fees. I was told that they were not going to be able to correct the invoice until I brought the account current. I argued that the charges were not valid and they were aware but demanding payment and then correct the invoice is still having me pay for erroneous charges. I told them that this was a deceptive practice and that I am being extorted for money because I do not owe what they are stating. They continued to send accelerated invoices with fees and then had a posing attorney 's office reach out to me demanding {$870.00}. 

I contacted XXXX XXXX who posed as an attorney and I let her know that if she look at my contract there are charges that were added to the invoice that were not requested and I spoke with the customer service representative in XXXX to have her correct the invoice before I make a payment because they were demanding payment on something that was not correct. They were doing this knowingly. I have been threatened with legal action and to have a collection agency collect this debt however, this money is not owed to XXXX. I told them that I am more than willing to pay the corrected invoice amount but, if they were not going to bill me correctly that I would not want to use their service because it is deceptive practices and fraud at this point as I have a contract. I received a bill for {$720.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying, for months, to gain access to my account with ECSI Federal Perkins Loan Servicer. I never received the initial access document they said I should have, was disconnected on repeatedly while waiting on hold, and have received no written response to my mailed requests for assistance. 

Yesterday, I was finally able to speak with someone on the phone to gain access to my electronic account and make a payment. I was trying to take the actions directed, to make the requested payment in the letter I received yesterday, XX/XX/2019. This letter, dated XX/XX/2019, gave a 30 day window to make the payment, and directed me to do so online. 

When I called back, I was advised that yesterday was a processing day, and that I would be able to make a payment today, XX/XX/2019. I requested verbal confirmation of this, and was told again that I would be able to make the payment today. 

There continues to be no payment option on the website, and when calling in I was advised I can not make a payment with them, despite the very clear dates in the letter sent to me via mail. Throughout my dealings with ECSI, I have been lied to repeatedly, not responded to, directed to take actions that are impossible, and given no recourse to have my concerns addressed. Their practices are highly deceptive and fundamentally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Currently there is a company by the name of professional Debt Mediat on my credit report. I have absolutely never entered into any contract or agreement with this company. They are reporting on behalf of a company I had previous dealings with. They have inflated the amount I owe to this company trying extort additional money from me that I do not owe. The company I owe sent me a email advising what my final bill would be {$760.00} this company Professional Debt Mediat states I owe {$1600.00} this company is in complete violation of as I have never opened a loan or credit account with them. I have from courtesy sent several emails and tried calling several times to try rectify the situation each time being told I need to contact XXXX XXXX which is the company I have prior interest with. XXXX XXXX advises I need to contact Professional Debt Mediat who I don't have any relation to settle this matter unfortunately being inflated charges with this company. I'm requesting this matter be solved and Professional Debt Mediat be removed from all three credit bureaus as I did not enter in any agreements with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
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:
Lanier collection accounts {$140.00} {$77.00} {$200.00} {$110.00} {$37.00} {$7.00} {$51.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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 Was A Victim Of Fraud And They Opened Up Credit Cards In My Name Tried To Get A Car And Did Phone Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 contacted Capital One requesting they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter that states " my last payment amount '' and the " date the account was open, '' which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and the debt to be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine but because Im buying a home and you aid to get it removed because it was important that I got it taken off my reports. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. It is now XX/XX/XXXX the account has been paid for months now and they still have not removed it from my account. Instead they lowered the balance. It is negatively impacting my process of obtaining a home. Please remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Toyota motor credit orp. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.toyota hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status.

As of this writing, the report on XXXX  says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Receivables Performance Management, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched from XXXX to XXXX  in XX/XX/XXXX. My account with XXXX was an annuity due, meaning that I paid in advance for my service. At the time I made the switch, I was not in default, and they actually owed me money for the days I paid for but did not use. I spoke with a customer service representative at the time who seemed disorganized and was trying to bill me for services I no longer had.

They eventually sold the bad debt to a collections company, Receivables Performance Management , LLC and they have violated the law in trying to defraud me. I sent them a debt validation letter on XX/XX/XXXX, and they ignored my letter, and have reported the fraudulent account to the credit bureaus. I will be happy to provide to your office a copy of the legal letter I sent them, demanding validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I went to Equifax site to check to see if we were impacted by breach. Typed in last name and last 6 of SS #. Said I was impacted. Did all family members, all supposedly impacted, all sent to credit monitoring. Got suspicious, told them name was XXXX with 6 random numbers, same answer. Told them my last name was XXXX and XXXX with random 6 numbers. Always reported impacted, and sent to monitoring website. This is not acceptable. Am I impacted or not? Sending every inquiry, every name and number combo to monitoring is being used to sooth fears without actually being informed if we are indeed impacted. This is a massive fraud by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 I received a Forearance Agreement from Seterus Inc the mortgage holder on my home. There were several discrepancies from what I was told over the phone the previous two weeks by representatives of Seterus I was told I could apply for a loan modification before the end of the agreement and if it was denied I would still be able to reinstate the loan by paying the monthly amounts past due and the difference in the forbearance payments and the monthly amounts owed The Forbearance Agreement however states " The loan will not necessarily be reinstated. '' Also on XX/XX/XXXX I received a " Notice of Acceleration '' from the XXXX Law Firm indicating they were going ahead with foreclosure. Attorney XXXX from XXXX was unaware of the Forbearance Agreement. 

Further, representatives from Seterus said they have no control over legal costs which opens the door for XXXX to rack up legal costs during the forbearance period. 







.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had XXXX credit cards with Capital One. 
I used my business account to make a payment though their portal multiple times. 
They suspended my account and demanded that I submit a bank statement showing the withdraw on the statement. 

The business account is with XXXX, I went to my banker and got a Letter of ownership that was signed by my banker showing that I was the owner of the account, when I opened the account. 

Capital one closed both of my credit cards causing my credit score to be impacted by their action! 

I also lost my reward balance of ~ {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was notified by my credit repair lawyers that I had activities on my credit report that I did not recognize. First a car repossession, Medical bills I did not recognize, and a credit card or loan. The only time I was in a hospital was in 2017 after my car accident and for an XXXX. I was hospitalized with an XXXX for a week. I was notified on Monday about these changes and couldnt fathom how my credit was tampered with while I was in the middle of credit recovery and boosting up.

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 2019-02-26
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed that CITI CARDS CBNA have placed an inquiry on my XXXX  credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

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 2022-12-15
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid the bill off in XX/XX/XXXX XXXX XXXXthis is the amount that was on their website that day when I paid. There were no more charges, in fact nothing had been purchased with this card in 4 months. They placed a finance charge of {$3.00} on XX/XX/XXXX and the late fees started accruing from then. The total amount of late fees at this point is {$190.00} and they are not willing to remove those. They have already closed out the account and this is steadily hitting my credit for over the limit amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 FICO score dropped significantly due to unpaid debt to a XXXX  credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX store card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( 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