BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-26
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's bad enough for a collection to be placed on your credit that you do not owe. Even worse, the company has no recollection of my account. I have attempted numerous times to contact this company in regards to a collection that has been added to my credit. The client 's name that they " claim '' i owe money to is an apartment complex, called XXXX XXXX XXXX XXXX, that has conveniently been bought out by another company over two years ago and no longer has any records to indicate that I did not break my lease and departed from them legally. What makes it worse is that I had a roommate at the time who was violent and was ultimately my reason for leaving. The company was so helpful in making sure I had written letters, signed documents, and paid my portion of the rent and any remaining fees so that nothing would be tied to me. I see now that was a lie. And now this establishment is callled XXXX XXXX  with no documents in regards to me from its predecessor. How convenient. I left the complex in XX/XX/XXXX and I did not hear a word from anyone claiming I owed money until XX/XX/XXXX. First, I owed almost {$3700.00}. Now after disputing this amount for at least the third time, and most recently with XXXX, it was concluded that I apparently owe {$2700.00} when the original amount was {$2400.00}. Somehow, it changes on my credit score every  time i look into it. This is utterly ridiculous. Conveniently, now that the apartment complex no longer exists,, the new company can not find any information or files from when I lived there, which included me signing the proper paperwork to be removed from the lease as well as providing them with a notice and I needed to pay my portion of the rent for the last month i was there. Although, I do have a picture of the money order I have to the company which they accepted and I will attach that. Also, I have a copy of my 30-day notice stashed. I still have yet to talk to anyone in the company about my account because either I call this quality recovery " company '' no one can help me with my account because it can not be found, or I am threatened by them with the use of vulgar language. After several attempts, there was only ONE time I was ever given was an amount.. just told them my FIRST name, but didnt verify a thing and theyre asking for my card information. She wast even able to tell me why I hadnt received anything about the collection in the first place. Lies. Unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received several calls from XXXX, on behalf XXXX, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including ( XXXX ) XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks 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 2019-10-08
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX- XXXX , being mostly funded by Sallie Mae . XXXX- Sallie Mae denied by request for the XXXX year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. XXXX The school lost its accreditation status. Being an art school most classes will not transfer. I reached out to Sallie Mae repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did. On XX/XX/XXXX I officially withdrew from the school due to major lack of credit transfer options. I am in the process of getting my federal loans cancelled as the school closed, and working on joining a class action suit regarding the deceptive practices of the school. I have no degree from the school, no job to make SallieMae payments and want SallieMae to do the right thing and forgive the loans like the federal ones will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2018, around XXXX, I called TransUnion 's " fraud victim assistance department '' at XXXX. It is an automated system. I repeatedly received an error message stating that " the call could not go through. XXXX. '' I then called another TransUnion phone number XXXX on about 7 different occasions from approximately XXXX to XXXX. Each call lasted approximately 10 minutes including hold time. I spoke with at least 6 employees ( " XXXX '', " XXXX '', " XXXX '' ) who all connected me to an automated system ( resulting in the above message ), despite my numerous pleas to speak with a live agent. Only after demanding to speak to a supervisor ( XXXX ) was I transferred to a live agent in the appropriate department. Apparently, I should have been calling XXXX, which is NOT a number that is posted on TransUnion 's " Contact US '' page. I wasted at least 2 hours of my day on what should have taken 20 minutes, and I don't think other consumers should have to go through that.

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Back in XXXX of 2018, I needed to pull my credit report for an application for a new home lease. I pulled this through TransUnion. They charged me XXXX because I pulled My wife 's also. That was fine because I needed to get it done. I recently stopped using using my credit cards and have been really trying to improve my credit score. I noticed my credit card balance go up even though I didn't use it. After checking into it Trans Union has been charging me {$19.00} er month for the past year!. I XXXX  this and this is a scam that they are pulling on 1000 's of people! I called TransUnion and spoke to them and they tried telling me that this was a service that I signed up for. A service that would help me monitor my credit. Well in fact if this was true, I asked then why didn't I get emails from them about my credit changes in the past year? I get them for free from XXXX XXXX! 
I canceled this 'service '' and the {$19.00} monthly fee. 
All seems good now BUT within 3 days of me doing this they dropped my credit score 15 points! 
According to XXXX XXXX They dropped my score 15 points and there were 4 changes that TransUnion reported to my credit report : 1st change - Paid off a credit card that had a {$160.00} balance 2nd Change - Reduced a balance on a credit card by {$340.00} 3rd change - Reduced a balance on a credit card by {$130.00} 4th change - Reduced a balance on a credit card by {$9.00} I did not add any credit, inquiries or negative items. 
I paid down my credit balance by {$650.00} yet my credit score dropped by 15 points!!!! 
Clearly TransUnion is penalizing me because I canceled their scam payment of {$19.00} This company needs to investigated, forced to refund, change their policies, penalized and or be forced to shut down. 
They are praying on lower income and poor credit consumers who need to use their services.

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 2018-08-16
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt collectors can not falsify information or present themselves in a way that is deceptive including making false claims about the amount of the debt, who they work for, or what they will do if you do not pay the debt. 

Americollect on XX/XX/2018 called and claimed without telling me who they were that they knew my mother and it was a personal call. It was only till I insisted later in the call that they properly identified themselves but at this time I had already given them a number I would otherwise not have. This violates the law as they presented themselves in a deceptive way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: FL
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 have been attempting to dispute the incorrect items online, the system says I have to do it over the phone. I continue to call and get bounced around and placed on hold. Right now I have been on hold for over 32 minutes and just want to dispute the errors on my report. The reps take my information, then say I need to transfer to a specialist and I end up back on hold. This is frustrating and unfair. I am interested in purchasing a home and cant get them to even take a valid dispute.

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: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an accident at work on XX/XX/XXXX and was ordered to go to XXXX ( at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) by my former employer, XXXX, through workers comp. I have since been harassed by this third party creditor ( Merchants Credit Guide ), who has been falsely accusing me of this debt which falls under the responsibility of XXXX. I called XXXX and they even provided me with a claim number : XXXX and a dedicated line to XXXX XXXX XXXX XXXX for XXXX employees : XXXX XXXX XXXX XXXX XXXX. The XXXX representative confirmed that various charges can be handled under one claim. On XXXX and XX/XX/XXXX, I disputed the two charges that Merchants Credit Guide placed on my credit reports. Under my XXXX  report, they only removed the one that was for {$230.00} and kept the one for {$1000.00}, even though they ( Merchants Credit Guide ) listed the same account creation date of XX/XX/XXXX for both. They also only removed the ( opposite ) charge of {$1000.00} on my XXXX  report and kept both on my XXXX  report, even though I disputed all ( 2 ) of the charges, via all three bureaus. There are so many inconsistencies. I dont know how they can confirm that I dont owe a certain amount to one bureau, and yet confirm that I do under another bureau. Lastly, the creditor needs to handle this issue with XXXX and not me because I do not owe this debt. The creditor has even gone so far, as to call my partners relative to discuss the debt ( this, in itself, is already in violation of the Fair Debt Collection Practices Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
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:
XXXX needs to provide what method they used to verify XXXX XXXX as this account was involved in fraud.I provided a valid police report which they haven't explained how they sent the police report to the furnisher. Did they convert the police report to a numeric code and send that to the bank to verify??? This violates the FCRA as it has to be 100 % accurate and 100 % verifiable.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following accounts do not belong to me 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 2020-01-17
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made several attempts to clear up this matter, every time I think its cleared up, its gets passed to another collection agency, who in turns reports it as a new account with incorrect dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: WELLS FARGO & COMPANY
State: OH
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 made a call to XXXX  about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  Ran unauthorized inquiry on XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/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 2019-05-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was enrolled in Citi 's card autopay system. For some reason, last month they did not deduct my payment and now they are trying to charge me for their mistake. Clearly an error dropped me from their system. Upon contacting them, they were very rude and threatening. Further, they are trying to extort me by refusing customer service until I pay their ransom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018 Lobel financial charged my credit for a auto loan I never inquired or even knew anything about I never made payments and never reached out to the company due to other charges on my credit that I had to make clear to the companies I know nothing of these debt and it had to be someone who has a XXXX Identification like a passport or something which allowing them to make transactions under my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, Experian.

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 2021-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since, the opening of bank account with HSBC BANK USA, NA., I was unable to add bill payee OR make bank to bank transfers to my own account I tried to contact XXXX XXXX of HSBC customer relations. She said she is investigating the bug. 

Even after several emails, she has chosen not to reply to my emails. 

It is irresponsible breach of trust from a big bank like HSBC. 

My account is unusable. 

I made several complaints with the following ticket IDs. 

XXXX is the ticket number dated XXXX XXXX, 2021 - NO RESPONSE YET ID:XXXX is a ticket dated XXXX XXXX, 2021 - NO RESPONSE YET

Company response to consumer: Closed with explanation