BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National credit systems inc. is constantly harassing me for a fraudulent collection from an apartment complex called XXXX XXXX. Theyre claiming I owe XXXX and threatened to get a fraudulent judgement against me to try and garnish my bank account which contains my XXXX social security Benefits and child support. Both of these types of income are exempt. I dont owe this money and have provided proof from station heights resident account dated XX/XX/XXXX showing a zero balance. I closed on a home on XX/XX/XXXX and my lease expired on XX/XX/XXXX. I moved out XX/XX/XXXX and station heights cashed a check from me dated XX/XX/XXXX for {$560.00} for final move out rent payment with utilities included all noted on the check they cashed. please keep in mind ( THEY DONT ACCEPT ANY PARTIAL RENT PAYMENTS ) I owe absolutely nothing as if I owed I would not have been able to purchase a home if I was someone who didnt pay my rent. I lived at this apartment complex for 6 years and they have changed mgmt. many times. They would often charge erroneous fees to receive extra money from tenants. Not once was I ever late in paying rent I have an impeccable rental history. XXXX XXXX is retaliating against me because I complained about their maintenance issues to corporate and because I refused their lease renewal and bought a home instead. I have documents proving when I closed on the home XX/XX/XXXX, copy of the cashed check for {$560.00} dated XX/XX/XXXX, bank statement showing they cashed it, lease showing it expired XX/XX/XXXX, moving company receipt dated XX/XX/XXXX and resident log in dated XX/XX/XXXX showing a zero balance with my name and apartment number. They constantly call and send threatening letters to try an intimidate me which is not a tactic thats working. I know my rights are being violated and this is a fraudulent collection. I sent them a cease and desist letter via email on XX/XX/XXXX and have filed disputes with all 3 credit bureaus. I will not be bullied and or forced to pay a fraudulent debt. If I moved out on XX/XX/XXXX why would it say on XX/XX/XXXX on the resident portal after my leased expired on XX/XX/XXXX I owe XXXX dollars? This proves theyre just trying to manipulate me into paying a false debt. Tenants are constantly moving out and the management company is desperate to make money for the apartments theyre not able to rent. National credit systems/station heights need to be fined and penalized for their fraudulent collection tactics and fraudulent debt practices. I ask that this is investigated and proper reprimands are executed against them. They need to delete this off of my credit report and stop contacting me before I take expeditious legal actions against them. Thank you as I look forward to an amicable resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : 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 explanation
Consumer complaint received 2019-05-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I leased a XXXX XXXX  XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Upon closing the deal, F & I Manager XXXX XXXX sold me XXXX XXXX XXXX XXXX XXXX Agreement # XXXX   XXXX for {$430.00} and another one called Appearance and/or Windshield Protection for {$350.00} both for 4 years. On my 3rd year of leasing, I noticed I never got a policy to read at all. So I called XXXX and inquired to where I can call about the service agreement about a dent repair because someone or something scratched my car. I even went there beforehand to inquire how I can get it repaired using my Service agreement. That was the only time I was told that it has to be a size of a credit card and therefore, it does not qualify for repair. This was not explained to me when I was sold the product. I called the company called XXXX and asked for the policy to be cancelled since I feel that I got decoyed into buying it believing that if my car get scratched, I'm insured. XXXX told me it's not refundable and emailed me the policy which I don't understand why now I can't find it among my email inbox. On the 1st week of XXXX I emailed XXXX XXXX, Manager of XXXX XXXX discussing my situation that I am on BK XXXX and that will the dealership allow me to extend or lease another vehicle. XXXX XXXX responded and met with him XX/XX/XXXX. I filled out an application and submitted my W2s only to find out they turned me down because of BK XXXX So I gave up. Went to XXXX XXXX XXXX to get another car because my XXXX lease is expiring in XX/XX/XXXX. They agreed to help me even with BK XXXX and possibly pay the last 2 months of my lease. Unfortunately, they are asking for payment history. I called XXXX XXXX   Account # XXXX at XXXX to get my payment history but they refused to email me the payment history but only to my lawyer. I do not understand this. I ended up losing the deal with XXXX XXXX XXXX. Up to now, XXXX XXXX does not want to give my my payment history and I don't understand that since it is my own record. From the very start, they decoyed me about selling useless service agreements and which I'm not allowed to cancel. Now, the XXXX fXXXX is giving me a hard time getting my own record so I can apply at another dealership for a replacement car. I had been faithful paying XXXX XXXX in the past. I filed for BK XXXX because I had been in and out of the hospital and was forced to retire due to my illness. Now I am stuck and after I turn over the XXXX car, I have no car to go back and fort to the specialists since I could not even get my own record from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies

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 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT  since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
purchased a tread mill online through XXXX on XX/XX/XXXX. I decide that I did not want the tread mill and cancelled the purchase on XX/XX/XXXX. I also sent XXXX XXXX from preform an email to cancel the order. On XX/XX/XXXX the company tried to deliver and I spoke to XXXX XXXX ( XXXX associate ) and she said that the order was cancelled and I should receive a refund, the return # XXXX. 

I receive another bill from XXXX financing on XX/XX/XXXX, I called and spoke to a representative that informed me that the order was pending and the return should be processed in 10 days. 

On XX/XX/XXXX I received another bill from XXXX financing with late fee, I called and they transferred me to a collection agency. I spoke to the associate and he stated that they did not show a return and directed me to submit a claim form. 

I submitted the claim form however they show no record of it. 

They finally refunded the product but they did not reverse the late fee 's or correct my credit report. It is now XX/XX/XXXX and I am still dealing with this, it has almost been 6 months. 

I feel as if they are leading me in circles, this is ridiculous. I have never received the product ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12
Company: EQUIFAX, 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:
XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: BARCLAYS BANK DELAWARE
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: Public record information inaccurate

Complaint:
I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.

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 2019-05-23
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$11000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$320.00} XX/XX/XXXX Collecter : Medical Data Systems DBA Medical Revenue Service Original biller : XXXX XXXX The above three amounts are all from the same medical procedure. The dates following each are when the accounts were open. These numbers/dates are followed by the name of the debt collector, then the name of the medical facility where I first incurred this debt. 
I had a medical procedure in XX/XX/XXXX. I was assured that it was entirely covered by my XXXX and signed all the required documents to have my insurance billed. This procedure would never ever have been done if I had been told XXXX   wouldn't cover it and as far as I knew - until very recently - it was. I didn't receive a bill nor a phone call from the doctor 's office. I imagine if there was a problem with a patient 's bill, especially when that patient is a XXXX recipient, a medical office would feel obliged to contact their patient and let them know they could possibly owe over {$12000.00}. I am devastated. I've been working towards rebuilding my credit and recently got it above XXXX after it being over XXXX lower last year. I have no reason to believe XXXX didn't pay for this XXXX and, by the looks of it, I'm being held responsible for the entire cost. This is not ok. My husband ( who is XXXX ), my son and I live in subsidized housing and have to try hard to get by. This procedure was a elective XXXX XXXX. I would have happily found other forms of XXXX XXXX if I thought I would have to deal with this disaster. I am just so upset and as I said, as far as I know, this was covered by insurance! It was discussed with my doctor and the secretary and I NEVER RECEIVED A BILL

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 2018-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted repeatedly by phone and by mail by Portfolio Recovery Associates, who say they represent XXXX. They are trying to collect an old debt. They obviously are not the originator of this debt ( {$1100.00} ) ... I haven't owned or leased from XXXX for over 4 years. This 3rd or 4th party collector came from out of the blue. 

Phone calls have been previous to XX/XX/XXXX at XXXX XXXX. Phone number was XXXX XXXX. 
The next call came at XX/XX/XXXX at XXXXXXXX XXXX. Same phone number. Several other calls were made before these, but although it was the same number, I did not record the date and time. 

Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I wrote them early in XXXX saying I did not know who they were and had no business with XXXX anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX  : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed Transunion : XXXX, XXXX HOSPITAL XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX. Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX  XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : 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 explanation
Consumer complaint received 2019-06-11
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have a furniture lease with acima XXXX. this is not a credit account and i did not use my credit to obtain this lease. this is a no credit lease. i want this removed off my credit report. i sign a no credit lease not a reporting lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2018, I opened an account with MB Financial. At the time, MB was offering a {$250.00} bonus that would be available after 90 days. At this point, the 90 days has surpassed and the funds have not been dispersed. When speaking with one of the relationship bankers, I was informed last month that I was on an approved list. However, the approval amount was only for {$150.00} which is not what I was originally told. After several visits to the bank branch it was explained to me that someone would look into this and then follow up with a phone call. I have yet to receive a call from the bank branch regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine & Weiner, the charlatans of debt collection, appeared on my credit report regarding an auto insurance invoice. I called Caine & Weiner and asked that they provide proof of this outstanding debt, as I have proof of cancellation and a XXXX balance ( I'm also an active customer with the very same insurance company and confirmed this with them as well ). I was told to send them the proof, which I did. A very angry, aggressive person called, by the name of XXXX XXXX, and make threats of further collection action, although I already supplied proof of payment.  When I asked her to simply validate this debt, she said " I'm not sending you anything, it's just gon na stay on your report ''. If I wasn't well educated on my rights, and perhaps as ignorant as the person who called me, I might have been moved by her meaningless threats. How do you allow businesses ( for lack of a better word ) continue to practice this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX XXXX XXXX in XXXX, Tx on XX/XX/2015 and was charged {$770.00} for my visit. 
My insurance at the time, XXXX, paid {$210.00} with a balance of {$550.00}. 
XXXX paid the remaining balance of {$550.00} around XX/XX/2015. 
XXXX XXXX XXXX XXXX turned an unpaid bill of {$550.00} to collections when the bill was actually paid in full. 
I have been disputing that I do not owe any money to XXXX XXXX XXXX XXXX and do not understand why this was turned over to a collections company name : XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX or ( XXXX ) XXXX. 
I have called the collection company numerous times and they do not ever answer the phone. 
I have also submitted multiple disputes with XXXX and the collections company says it is mine bill. I've explained it is my bill but it was Paid In Full and should not have been submitted. 
I have screenshots from XXXX website EOB showing they made two payments to your company and paid the bill in full as stated above.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC bought my 5 year old debt from XXXX XXXX XXXX around XX/XX/XXXX. The debt was from XXXX XXXX XXXX around XXXX. ERC started reporting the debt as it was a new debt on my credit report as if it was a new debt which dropped my score by 50 points. ERC also changed the amount owed on my credit report. This is unfair because I am trying to repair my credit at this time to buy a new home.

Company response to consumer: Closed with explanation