BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-30
Company: First Data Corporation
State: TN
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:
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland credit credit management had someone drop off a packet that I'm being sued. Today I received a call from them. I feel harassed by Midland management. If they're suing me why are they still calling me? Bothering me while I'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: Navient Solutions, LLC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Navient about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

XXXX inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent Transunion a copy of the police report as well as the FTC Report as well.

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 2017-07-30
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted by Rausch, Sterm, Israel, Enerson & Hornik LLC ; a law office out of XXXX, Minnesota in regards to a debt that I apparently owe to XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX, XXXX. I have received a letter stating that I owed the amount of {$590.00}, and if I have any questions to contact them regarding a resolution dated XXXX XXXX, 2017. On XXXX XXXX, 2017 I was contacted at my home by an unnamed individual whom served me papers from the State of North Dakota -- XXXX XXXX Judicial District stating that I have been summoned and required to appear and defend this action, within twenty-one ( 21 ) days. This notice was dated XXXX XXXX, 2017.  Therefore, it is apparent that the judgement with the court was submitted before the notice to contact them was even drafted and sent out. As well as, there was no previous contact noted from XXXX XXXX or XXXX XXXX XXXX regarding the supposed debt. Therefore, I have had no notice that I had the debt against me. If I would have had proper notice I would have gladly setup a payment plan, or even paid the balance in full. However, now I am looking to seek legal consultation regarding this matter. There has not been proper notification regarding this debt and now they are using legal tactics that are threatening or otherwise demanding. I have tried to contact the law office and the original company multiple times, and I have reached no one due to the lack of information on websites and the sites that you must go through in order to even reach a site that states how to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: DriveTime
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went 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 2022-01-13
Company: PLS GROUP, INC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I was at XXXX making a purchase for my household. After ringing my items I attempted to utilize my card three different times before I asked a store associate for help. She then attempted to help me four more times before I had to call the company itself. During this phone call I was told that I had to use the credit option instead of debt because of the fact that I did not have the additional funds to utilize the debt option. I also asked to speak with a supervisor and was provided with none as I was told it was only one working. I did not know nor was I told when I received the card that there were additional hidden fees. According to 15 U.S.C.1631 ( 3 ) ( C ) I was to be told about all fees before I was even presented with the card in which I was not. 15 U.S.C.1631 ( 3 ) ( B ) ( 2 ) ( C ) also states that only one fee per month may be charged. I have been charged several fees this month for using the money I supplied to this card for my endeavours. This situation was very embarrassing and when I told the customer service rep I and the store associate had tried the credit option and it still declined she proceeded to tell me I did not like she was in the store with me because the system said that I had not tried. This was humiliating making this call as I stood with tears running down my face because I was attempting to purchase food for my family and I without knowing about the additional fees. This is the XXXX pre paid card provided by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Company : Coinbase Deposit {$500.00} on XX/XX/XXXX for a total of {$750.00} in my digital wallet. 
Begin a {$750.00} deposit on XX/XX/XXXX Account is locked for unknown reason later that day ( XX/XX/XXXX )  Proper verification to unlock account is provided by XX/XX/XXXX Payment still goes through on XX/XX/XXXX Support ticket opened on XX/XX/XXXX Wait for response from company for 2 weeks. No response Attempt to call their support hotline numerous times during these two weeks, call automatically ends saying they are too busy. 
Finally get through their phone support on XX/XX/XXXX Support agent says my account has been flagged to be reviewed by a specialist. 
No response since, account still remains locked by withdrawing or transferring any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed several ( 5 ) accounts listed on my credit report from a debt collector, Lanier Collections, and I do not know anything about these accounts nor have I received medical treatments from the entity they are representing. I am not responsible for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a bad check from someone and he asked me to send some amount of money from this check to someone else regarding freelancing work. I deposited the check. On XX/XX/XXXX, Wells Fargo told me to not use the money till XX/XX/XXXX because they are checking the check. 
On XX/XX/XXXX, the amount of the check was fully deposited to my account without any alert, email, or message from Wells Fargo. I sent the {$2800.00} to someone else as the scammer told me, and I was confident because I had the full amount of money deposited to my account.After XXXX hours, Wells Fargo retook the check money saying that it's a bad check!! 
I called them on that day, and they forwarded me to the Client Escalating employee. She told me, after a 40 minutes call, that Wells Fargo will give me the amount of the check back within XXXX business days. Nothing happened after 7 days, so I recalled them. A new Client Escalating employee answered, saying that we will not do anything for you and he hung out without listening to me.

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 monetary relief
Consumer complaint received 2022-01-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-07-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express is overcharging interest on card accounts based on reflected calculations on my end. After noting the issue with the company, they did n't have much to say other than that they had to forward it as a billing inquiry.
After demanding answers as to why they claim that the Interest was actually incorrect ( they admitted to that ), I was given a credit of XXXX cents that they claimed was auto-generated by their computer system. The XXXX cent credit creates even more confusion.
Here 's the breakdown of my calculations.
The cycle in question was between XXXX XXXX, 2017 and XXXX XXXX, 2017.
The Purchase Balance is in a promotional state until late XXXX, so 0 % interest is applied until then, so that wo n't be listed.
The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate.
The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XXXX XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance.
As of XXXX XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XXXX XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XXXX XXXX  the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}.
So, you have ...
Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2300.00} for 8 days Cash Advances Balance on XXXX/XXXX/2017 : {$2200.00} for 1 day Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2400.00} for 2 days Cash Advances Balance from XXXX/XXXX/2017-XXXX/XXXX/2017 : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}.
Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total interest charge of {$53.00}.
Their interest total was {$53.00}, a XXXX cent overcharge. As I mentioned earlier, they credited my account XXXX cents which does n't make sense. It should 've been XXXX cents credited and retroactive on the account so it would n't begin charging interest on the amount that was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
two companies continue to report late payments on my consumer report that are inaccurate. i spoke with two representatives and both said they'd removal the late mark, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AES/PHEAA
State: UT
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:
My Student Loan servicer is FedLoan Servicing. Recently, I submitted standing instructions to ensure that any additional payments I made on my loan were sent to the loan with the highest outstanding balance. What I was not aware of was that while I am in deferment, this would automatically send all my payments to one loan and would void my instructions for the distribution of funds to be allocated over all of my loans.
When I caught this discrepancy, I contacted the servicer to change the payments and then to have the instructions suspended while I am in deferment ( I do not want the interest of my loans to increase if I can pay it off ). However, it is taking an extremely long time to have this issue fixed. Why should it take 10 days to have the funds reallocated when it only takes one business day to take the funds form my checking account? 

Furthermore, at the instructions of the representative I spoke with, I submitted a secure email, through the proper channels, on ( XXXX/XXXX/XXXX ) to have my standing instructions suspended. I have attached an email confirmation that these instructions were received. I chatted with a representative today ( XXXX/XXXX/XXXX ) and have attached the transcript of the chat. They have no record of my request. While this is happening, the interest on my accounts grows. 

I do not want to pay extra because the servicer is being negligent. Now that they can not find my instructions, I had to resubmit them today and start the entire ten ( 10 ) business day waiting period over. This is an unfair, deceptive, abusive act and practice and needs to be addressed.

Company response to consumer: Closed with explanation