BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Miller, Stark, Klein and Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Miller Stark Klein & Associates are attempting to collect on a debt that was paid over 10 years ago. The debt was with XXXX XXXX  in XX/XX/XXXX, in XX/XX/XXXX XXXX XXXX  sold this debt to a third party. My name went onto XXXX as a result of me not paying this debt. In XX/XX/XXXX/XX/XX/XXXX, I paid this debt with the third party in order to have my name taken off of XXXX. It was the only way to open a bank account again. 

Now, 13 years later, its XX/XX/XXXX now, MSK & Associates is attempting to collect on this debt a second time. I explained to them it was paid in full and that it had to be or I would not be able to have a bank account open now. I've had the same bank account since XX/XX/XXXX/XX/XX/XXXX. 

They claim the debt went back to XXXX XXXX  in XX/XX/XXXX, when that third party debt collector closed. They claim they were just sold this debt within the last 60 days from XXXX XXXX. We conference called XXXX XXXX  and they claim to not be able to trace the debt once it was sold to the third party and that the debt never defaulted back to them in XX/XX/XXXX. 

MSK & Associates will not quit trying to contact me and keep threatening me with legal fees and income garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Resurgent Capital Services L.P.
State: MD
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:
LVNV FUNDING IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XXXX 2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Initially on XX/XX/20 I submitted a complaint id XXXX that transunion had incorrectly removed my XXXX XXXX credit card from my credit report which dropped my credit score 41 pts. On XX/XX/20 my XXXX XXXX credit had been readded to my credit report increasing my score 34 pts however as of XX/XX/20 my XXXX XXXX credit card had been removed from my credit report once again dropping my credit score now 37pts. I reached out directly to Transunion advising them my card was incorrectly removed again. I was advised there was nothing they could do since they only report from the creditor. My credit card is still active and should not have been removed.

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 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
XXXX XXXX : On XX/XX/2020 I purchased a trip through XXXX for the amount of {$3200.00} and travel dates of XX/XX/XXXX XX/XX/2020. On XX/XX/2020 I received a notification from XXXX ( uploaded to this site ) that stated because of COVID-19,  all travel has been suspended and our trip was canceled. The XXXX   site was closed and they also closed all of their call centers so we could not get in contact with anyone. They issued a statement that we needed to get in touch with our bank for any refunds because they would not be issuing them. We were unable to get ahold of anyone to solve this issue, and stated in their letter we will be unable to provide agent assistance due to closing all of their call centers. I have included all of this in the documents I have uploaded and all of the proof that our trip was automatically canceled by XXXX with no refund, voucher or any service provided. 

I filed a dispute with Capital One and after calling and talking to numerous people they told me there was nothing they could do. I would like a FULL refund for services not rendered. 

Thanks, XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
Company: Upgrade, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I restructured my finances through a refinanced mortgage. I had various loans to be paid through the refinance all of the loans were paid without issues with the exception of upgrade. 
On XX/XX/2021 a check was received via fedex from the attorneys office that completed our refinance. This was signed by a person XXXX XXXX at upgrade The loan has not been paid off on XX/XX/2021. They claim that although the check has been received hey have not applied the funds. They also completed the payment for XXXX despite having the check in their possession for one month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: EDvantage LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a student in XXXX FL campus of XXXX XXXXXXXX College, I am not in XXXX FL campus. 
My course is over as of XX/XX/XXXX. 
I have not found job in the field yet. 

I was told I will get 6 months time after completion of course and than my installment payments will start, for student loan. 

But I started getting collection calls from XX/XX/XXXX. 

And I must have got 50 calls. 


I made payments up to XX/XX/XXXX ( I paid {$75.00} every month, from XX/XX/XXXX till XX/XX/XXXX ). 

XX/XX/XXXX till XX/XX/XXXX I paid {$20.00} a month. In XXXX I started getting collection calls so I stopped paying. 
College has given me XXXX balance statement, that I owe nothing, which I emailed to Tuition Options, but again I still keep getting collection calls. 

There is some thing very fishy, I emailed to president of college too. 

The person in charge of student finance Mr XXXX is the main cause of these problems. he has left the XXXXC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Ive been a Citibank card holder since XXXX, CITI BANK recently reduced my credit limit by {$10000.00} specifically on XX/XX/XXXX without notice my credit limit was reduced by almost {$11000.00}. 
CITI BANK encouraged me to take to balance transfer loans the first in XX/XX/XXXX in the amount of {$11000.00} and the second in XX/XX/XXXX In the amount of {$9800.00} both of these will become due at a very high interest rate in XX/XX/XXXX and XX/XX/XXXX respectively. 

I believe CITI BANK reduced my credit limit by over {$10000.00} in an effort to have me pay them back for these two balance transfer loans at an extremely high interest-rate which I will not be able to even come close to making the payments. 
CITI BANK knowingly destroyed my credit rating and reduced my ability to borrow in this effort to obtain Debt at interest rates probably in excessive 28 % I have tried to refinance my home of which I have approximately {$400000.00} equity and have been unable to secure a loan due to the fact I am a XXXX senior on a fixed income. 
CITI BANK as put me in a position where I will have no other choice but to file bankruptcy and have this credit card debt dismissed or set aside. 

I say this was done knowingly by CITI BANK due to the fact that it is printed on the credit card statement that it would take me 32 years making the minimum payment with the second option of paying {$760.00} a month for three years in order to XXXX  out this debt. At XXXX years old,  XXXX and on a fixed income neither option is feasible. 
Im not sure what other options I have if any sort of bankruptcy to pay down this debt? 

I have attached the three months of statements to show when the credit limit reduction and options to pay as outlined above. 

Thank You, XXXX XXXX XXXX California. 
( 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 2020-06-25
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and  the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of  XXXX transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of 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 2020-06-25
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: Information belongs to someone else

Complaint:
Hello My name is XXXX XXXX XXXX I am a new immigrant to the united states of America and Im coming to you for help on the below situation. I spoke to Equifax on XX/XX/XXXX latest and earliest XX/XX/XXXX and inquire about removing unauthorized inquiries in my credit report. I have filed an FTC report reporting identify thief, and also a police report. Equifax has not been able to fix my problem and I'm trying to stay positive to provide for my family during the covid19 crisis and this is not making it any better, as we are in the process of  buying a home and these unauthorized inquiries are keeping us from that. Please see the below and remove all of them. 


XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( I Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Affiliated Management Services
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX several times letting them know that they have reported the same bill twice to XXXX XXXX. Also the bill has been paid by Medicaid after contacting XXXX XXXX XXXX they claimed to have reported payment to XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Medicaid paid back to my XXXX on XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.

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 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One is blocking me from enabling external applications according to XXXX XXXX  as I attempted to link my new XXXX XXXX   account to my current Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Student Debt USA, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student Debt USA stated they could help me get my defaulted student loans out of defaut and into rehabilitation process, they are scammers and lied. I informed them I wanted to enter the PSL program as a XXXX XXXX  XXXX. I sent them over tax returns, W2s/Utility bills/ medical bills and more. I made several qualifying payments & was told to wait for the collection agency to turn my defaulted loans over to them. After several emails, they stated my loans were now back w/DOE, they lied. I contacted the Dept Of Education and they stated they never recieved any correspondence from Student Debt USA. My Debt Collector, XXXX XXXX XXXX XXXX stated they never recieved anything as well. The company placed their information email & contact number under my profile on the eddebt website. This was very frustrating as during this time my mom was battling XXXX XXXX and needed care. After recieveing all my personal information and payments they just simply dissapeared into the wind. They appear to be scammers and should be shut down immeditaley. They false advertise and have no intention of honoring their business practise as stated on their still avaibale website. In this day and age in America this is terrible that companies are allowed to continue operating on vulnerable people student loan holders and take advantage of people who have sometimes no hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I BELIEVE I AM BEING deceived and lied to by a company called UPGRADE a online lender whom I ( XXXX XXXX XXXX ) obtained a loan # XXXX with on XX/XX/2017 and paid it off I thought on XX/XX/XXXX however my payoff amount which was quoted to me by customer service rep XXXX XXXX was not credited to my account until XX/XX/XXXX resulting in me being charged an additional {$8.00} for the day it should have been credited so I'm finally anticipating my paid in full loan to show up on my account lo and behold NOTHING the rep claims I can no longer view my account and I have to wait 10 business days to get my final papers in the mail not online since I'm not a novice at getting loans online and paying them off I know for a fact other companies like XXXX XXXX XXXX etc have given me information as soon as my loan was paid in full this practice by UPGRADE seems illegal deceptive unfair and theres many other terms I can use but its just outright wrong I still don't have my paid in full documents I'm asking for your ASSISTANCE in this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND XXXX XXXX REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT XXXX REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. 

AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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 am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent

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 2020-06-28
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An identity thief used my information to fraudulently open an account and purchase devices totaling {$1600.00} at XXXX in XX/XX/XXXX ( in addition to opening other accounts at XXXX XXXX XXXX and XXXX ). By the time I learned this had happened, it was XX/XX/XXXX. 

I contacted all three cell phone companies to report the identity theft, XXXX and XXXX XXXX XXXX sent me letters confirming the accounts were opened fraudulently, but XXXX confirmed verbally over the phone that it was fraud, but never sent me any follow up and instead XXXX referred the account to collections - originally a company called XXXX. I filed a police report and took all the steps outlined on identitytheft.gov to contact XXXX and XXXX to let them know I was a victim of identity theft and to cease attempts to collect ( XX/XX/XXXX ). 

I received no follow up from anyone, but the collections account did disappear from my credit reports, so I assumed the problem was resolved. 

Then today I received a collections letter from a company called Southwest Credit for this XXXX   account, despite the fact that it was made explicitly clear that I was a victim of identity theft, and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Diversified Recovery Services Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Untimely response