BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-26
Company: Rauch-Milliken International, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I entered into a contract with XXXX. They failed to provide services that I contracted, constituting a breach of contract. I attempted to resolve said problem with XXXX XXXX XXXX ( XXXX Customer Service ) since XXXX, 2019. I also had several meetings to resolve issues with XXXX XXXX in my office. Witness to these meetings : XXXX XXXX. There was no resolution of my issues and in each case, the bill was disputed. I have requested a detailed bill of all payments and invoices. Additionally, I need the numbers presented to me by Mr. XXXX ( thousands of people inquring about my business ). Todate, no one has contacted me via phone, XXXX, of walk in client. This information was disputed. Mr. XXXX, in last meeting stating that I can pay more money and go to the next " level ''. That is not what I contracted for. To date, I have not received the " traffic '' promised. Additionally, the Website was not completed according to my instructions. Now I am being threatened and interrupted with numerous calls, interrupting my job. The information that I have requested to resolve this issue has not been presented. Additionally, a third party was given information regarding this debt issue in violation of FCCPA. The constant calls and email threats are also prohibited collection practices in the State of Florida. An investigation of this matter is warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
For the XX/XX/XXXX-XX/XX/XXXX school year, I received a {$5300.00} FFEL Parent loan. That loan entered repayment in XX/XX/XXXX. Now, 22 years later, that loan was consolidated without my knowledge and my servicer claims I still owe more than. {$6000.00}. 
Around XXXX, I began receiving notices that my balance had increased despite all the payments I have made. Every person I spoke with assured me they would look into it and provide documentation ; except XXXX ( ID # XXXX ) at XXXX hung up on me when I called on XX/XX/XXXX. I have never received any documentation showing why or how that loan ballooned to over {$10000.00} at one point. 
When I spoke with XXXX ( ID # XXXX ) at XXXX on XX/XX/XXXX about my loan, he became irate that I was recording the call, repeatedly tried to force me to verbally agree with the balance I was disputing, that he could not provide any documentation and would destroy me if I continued to pursue the matter. I then engaged an attorney to assist me in getting the information I needed. In response, XXXX took four actions : ( 1 ) provided an unsigned loan consolidation application to the attorney ( 2 ) told the credit bureaus there was no dispute ( 3 ) reported the attorneys address as my address to the credit bureaus and ( 4 ) stopped sending monthly statements XXXX has not sent a bill to me since XX/XX/XXXX. 
There should be no remaining balance on this loan. And all my requests for a full accounting have gone unanswered. The most I have received is an accounting showing a beginning balance from an unidentified conversion in XX/XX/XXXX of {$7800.00} through XX/XX/XXXX when there was an unauthorized consolidation. What happened to all my payments? Why can no one show how the balance jumped?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 filed several disputes with 3 credit bureau for proof of contract and have not received any proof please remove this account from all credit bureaus due to no contract or proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX  on behalf of Bureaus Investment Group Portfolio No. 15 LLC, about a debt that I was never aware of. I sent a debt validation letter requesting further information in regards to this debt on XX/XX/XXXX via certified mail. Post marked XX/XX/XXXX I received a letter back from XXXX XXXX XXXX XXXX XXXX, with only billing statements and a typed letter from XXXX XXXX XXXX informing that a credit account with them was acquired by Bureaus Investment Group Portfolio No.15 LLC . on or about XX/XX/XXXX. I sent XXXX XXXX XXXX XXXX XXXX, a letter requesting additional proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/XXXX. I received a response back postmarked XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, with the very same information they sent to me on XX/XX/XXXX. They have failed to properly validate this debt with a signature bearing my contract. I have documentation stating where I lived during the said billing statement dates and it is an incorrect address from which they have provided on this debt. Instead they send me the same documentation from a previous request and as well a debt collection letter while this debt is currently in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Security Credit Services, LLC
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:
SECURITYCRED {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions 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:
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX  and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus

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 2018-06-20
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX  for at least 3 years now in regards to an unfamiliar account with XXXX and XXXX. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ).  However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!

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 2019-10-08
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2019 I made a reservation for a vehicle trough " XXXX for {$160.00}. This reservation was for a SUV vehicle to be picked up at XXXX ( XXXX International Airport ) at a company called " XXXX XXXX XXXX ''. As a frequent traveler renting vehicles, I have learned not to rent from small businesses with unknown track records which are usually off airport grounds. Turns out this company XXXX XXXX XXXX was not at the XXXX International Airport as advertised, it was at a lot, far from it. When I arrived at XXXX XXXX XXXX, as I got in line for check in, the the lady at the counter started asking customers in line if anyone was a Florida Resident. I answered yes. She immediately called me upfront aside and proceeded to inform me that the reason she asked was so that I did not waste time in line. She asked me if I was aware that Florida residents have different terms than those from out of state. I answered no. She said Florida residents usually do not rent from us, and proceeded to explain special clauses for Florida Residents. Two of these clauses, did not suit me for the purpose of my rental. One was high cost for exceeding mileage and the second, a prohibition to go out of the state of Florida. I proceeded to ask for my reservation to be cancelled since I was not aware of this. I had read clauses and restrictions provided online, and in no place I had read what I was just told. In fact, at the end of the Car Rental Company Rules & Restrictions provided by XXXX, as I recalled, it only stated Travel to XXXX is not permitted, travel to XXXX is not permitted. She said that because it was a prepaid rental, it had to be done with online company. I contacted online rental company XXXX and they denied to credit my card because it was a prepaid reservation. I proceeded to open a credit card dispute with the facts but credit card says " we are unable to obtain compensation from the merchant ''. Its appears to be that XXXX XXXX XXXX has deceptive and unfair trade practices, leading customers to misrepresentation of a very poorly redacted online contract/terms, resulting in hard to see or hidden clauses, and providing inaccurate or false information ; which ultimately lead in my case to cancellation of services - not provided, and potential loss of money through a no-cancellation prepaid policy.

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: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I had XXXX Cellular account. I had discrepancy with invoice. Account was closed ... XXXX sent to collections. The current collections company AFNI obtained this by purchasing the account from another debt collector. Afni did a re-aging of the account to continue to collect payment from me. Re-aging is illegal. I in good faith paid the small amount to resolve buy they are still casing problems with my credit report by reporting to all 3 bureaus. Due to the age of the account XXXX no longer holds any data. I want them to stop reporting to the 3 bureaus. They never had the authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My mother was contacted by a male that goes by the name of XXXX XXXX on XX/XX/XXXX. He reported that he was working for XXXX XXXX  and was reaching out to try and help lower interest on the credit card ( CITI CARD Mastercard ).. When my mother spoke with XXXX she was informed that for XXXX dollars that he could help them. Some of my mother 's personal information was shared to Mr. XXXX. However, nothing was signed on behave of this agreement. My mother and father both are elderly and were not sure of what they were getting themselves into. My parents did speak with me regarding this issue in XX/XX/XXXX and at that time we decided that it would be best if I took over their finances. 


My father did contact the CITI mastercard regarding being charged of the XXXX and he was informed by the company that there was nothing that they could possible do. I, executive of their estate, also contacted them and they notified me that there was nothing that they could do. My father also did contact the Federal Trade Commission as well as the Attorney General of North Dakota and placed a complaint with both companies. 

Since all of this has been reported and filed with other companies. This company continues to still contact my father with the last time being XXXX. In the past he has told my father that he is rude and would talk over him. If possible I would also like to place a complaint or grievance regarding poor customer service as it is my understanding that Mr. XXXX was disrespectful and very down grading when talking.

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 2018-06-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Chase states on their website that money transfers from XXXX customers at banks that support instant funds availability ( which would apply to XXXX XXXX ) will get processed and appear in receiving account within minutes. I instructed someone to send me money using XXXX based upon the info provided. When the sender was ready to complete the transaction it showed an icon saying that it will be a real time transfer, after hours of waiting for it to appear in my account I called chase and was told would take 1-3 business days. I contacted XXXX and they confirmed that the money had already been transferred from XXXX XXXX and been processed by XXXX and made available to Chase. Furthermore on Chase website it showed as " accepted ''. Both XXXX XXXX and XXXX had completed their portion and were no longer in possession of the money. Chase continued to hold onto the money and refuse to release it. I would have absolutely not have used Chase XXXX with XXXX had I know this would be delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
The reason for my filing of these complaint is to state that capital one is being un reasonable. I had disputed late payment history of my cap one account ref number : XXXX XXXX XXXX on XX/XX/XXXX. This account was closed on XXXX with late payment around XX/XX/XXXX. I stated clearly to Capital one all the errors from system to bank reporting that occurred that made me not to be able to make payment in time. 

Capital one representative advised me that they make good will adjustments for system error and medical issues. As a result, Capital one requested me to provide proof of my not being able to make my payment. I sent capital one a letter from XXXX XXXX that explains the error and shows I had over {$16000.00} in my bank at the time the payment was due. It was never my intention to be late in paying my obligations with this company. Were it not for the system error, I would have maintained my 100 % credit record. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one executive resolutions flatly refused to remove the late payment history, I request the late payment be removed from my payment history as it is adversely affecting my well- being as a US citizen. Attached herewith are : 1. Dispute letter to capital one 2. XXXX XXXX Proof of system error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, I received a letter from PayPal Credit dated XX/XX/2019 thanking me for opening a PayPal Credit account. I have never opened a PayPal account or applied for a PayPal account. On XX/XX/2019, I called PayPal to tell them about this. I spoke to two people, neither of which could help me, but referred me to Synchrony Bank, stating that it was handling all new accounts for PayPal. I spoke to a person as Synchrony who could not help me but referred me back to PayPal. I then spoke with the third person at PayPal who said it was a Synchrony issue and should would get them on the line and stay on with me. She then disconnected my call. I called back to PayPal and left a message to call me and they never did. I then called Synchrony, talked to another person who could not assist me and then asked to speak to the supervisor. The supervisor said she would not help me unless I gave her all of my personal information and my only resort if I didn't was to contact the credit bureaus. I have spent approximately 3 hours talking to six individuals with PayPal and Synchrony who have set up a PayPal account in my name, but no one can help me close it as I do not want it. Please HELP!

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