BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for Americollect Inc to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data keeps telling me that I owe {$64.00} which I paid on XX/XX/XXXX. They claim my check bounced and when I checked with the bank they say that information is false. The landlord has even sent them emails that I satisfied the debt. They deny receiving communication from them. I sent statement showing I don't owe the amount. Then they asked me to send proof to the dispute department. I did that two weeks ago. They can't answer my question or give me any update. They are not willing to help. I even threatened them with a lawsuit for the grief they have caused. I satisfied this debt immediately when it my landlord gave me an adjusted post-moveout amount. This is also largely the landlord 's fault for poor business practice. They automatically send any amount owed after move out to this collection company instead of communicating with tenants. Its a meager {$64.00} and it is causing me so much grief because I take my credit seriously and to they're treating my concern facetiously.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 disputed the account XXXX XXXX  XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX  
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, XXXX  and Transunion have it marked as late, charged off with a blance. 

I disputed the account XXXX  with XXXX, XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, XXXX and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I filed a complaint with the CFPB for harassing phone calls by PRA during the pendency of a lawsuit they filed against me.

The company responded by telling both the CFPB and me that they had a judgment against me.

They directed me to contact their attorney to pay the judgment. I am in a vulnerable group, I am totally and profoundly deaf. They are saying pay them now for a judgment they dont have?

THEY DO NOT HAVE A JUDGEMENT.

This is in violation of 18 U.S.C. Section 1001 for Lying to Government Agents, the FDCPA and Ohio statutes ( Ohio consumer sales practices act ).

I am aware PRA is under investigation for violations of its XXXX  consent decree, and I wanted to alert you that they are blatantly lying to both you and me. 

I need you to intervene on my behalf and contact Judge XXXX XXXX XXXX referencing case # XXXX ( XXXX XXXX XXXX. 

At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Courtroom # XXXX XXXX XXXX XXXX, OH XXXX Civil Bailiff ( XXXX ) XXXX To alert her that PRA has decided the care for her, has not stopped calling, and now, in order to close complaint # XXXX ( attached as a file ), lied to a Federal agency so they can get me to pay a judgment they dont have! 

Their response was so detailed, specific and granular, this is a blatant lie. 

This all started bc PRA engaged in a practice called parking on my credit report, that was my first contact with them. In response to a credit report dispute, the next day, they referred it for a lawsuit without validating the debt! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated with an XXXX in XXXX. I learned about the Public Service Loan Forgiveness program around XXXX and spent time researching about the program. I continued to research online over the past 10 years, as there were many forms and changing web pages to read through. I began working with low income families in a XXXX XXXX   in XXXX. As a single mom, I was counting on the PSLF as part of my career of service and retirement plan. On XX/XX/XXXX, my employer submitted an Employment Certification Form at my request and by the end of the month I received a letter from XXXX detailing that I had no eligible loan types for the loan forgiveness program. Unfortunately, through all the research and loan repayment plan applications I had completed over the years, I did not get the correct information to qualify for PSLF. Apparently, my loan types, FFEL, were phased out around XXXX and replaced by XXXX   XXXX. The only option I had was to consolidate my loans into XXXX XXXX. Now my ten years of service starts over and I don't even know if the loan forgiveness program will still exist in XXXX. Both my loan servicer and PSLF Program were not looking out for me. Maybe I could have gotten the correct information about qualifying for loan forgiveness if I would have known what specific question to ask, as I am a resourceful person ( I find information about community resources for a living ). I feel tricked by fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Lobel Financial Services in XXXX XXXX XXXX repossessed my car and I don't even have a loan with them. All day XXXX XX/XX/19 I told my story to 10 people and nobody listed, they kept saying call the car lot, call the car lot. Nobody took the time to help me and I was furious an highly upset of by the lack of customer service that I received, it was absouletly at nightmare dealing with Lobel Financial in XXXX XXXX. I purchased my car from a car lot known as XXXX XXXX, he advised me to call XXXX and ask for a TWIX report, they refused, called him back he told me to contact Lobel Finanical. Called Lobel In XXXX XXXX XXXX back, told him what was going on after speaking to the Branch Manager XXXX and pleading my case once again, he looked up the VIN and advised me that the car he had in system didn't belong to me or my Mother, who co-signed for me on my car. XXXX advised me that a company named XXXX XXXX XXXX financed the car using his company, the person made 5 payments and then stopped. XXXX never contacted XXXX XXXX XXXX at all, he advised me to do it. When I called XXXX XXXX to asked them they actually where very helpful, and said the VIN number was inserted wrong on the contract over 7 or 8 months ago. Called XXXX back, he asked for my current lender XXXX XXXX to fax in paper work showing we have a loan with them. XXXX XXXX did send over the documents around XXXX. I called XXXX back at XXXX and asked him what time do I go pick up the car, he advised me that he sent the faxed documents over to corporate, and only sent an email. XXXX was supposed to call and get someone on the phone, however he admitted that he only emailed and faxed paperwork. XXXX advised me that he would contact cooperate and stay until the issues is resolved. I advised XXXX to have urgency, my Mom is XXXX years old, bad eyes, and she was sick. From my house the Tow Yard was 40 minute away that I needed to get to work and church. XXXX stated that he was not going home until I get my car back. XXXX never called me back, and he had my cell phone Friday night as he promised. About and hour later the owner of XXXX XXXX who I financed my car with said that Lobel financial broke the law when the repossessed my car with out a title. I dont ' want this to happen to anyone else and I'm filing the complaint on them for that reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letter LVNV requesting that they validate not verify debt they are attempting to collect. I specifically asked for signed aggrement and other suppportimg documentation. They provide me with billing statements which does not prove I am obligated to pay them anything. They have report delinquent information to credit bureaus asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent information to both the creditor & credit bureau regarding this violation. XXXX XXXX XXXX has violated my HIPAA rights. I have never consented with the above collector on any terms to access my personal medical records. I have notified the reporting bureau on several occasions about this situation. XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Total Card, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for an unsecured Visa credit card through Total issued by the XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. I was approved for the credit card on XX/XX/2019 and asked to pay a {$89.00} program fee. I paid the program fee, and upon completion of the fee processing my account would be opened for use. Since paying my program fee, I have called to check the status of my account and the automated message tells me " that my program fee has been paid and my account should be open within the next 60 minutes. Four weeks later I'm still getting the same automated message. I have a card that's useless and I have a program fee that is potentially lost. I am unable to get a live person on the phone or even live chat with anyone through their website. The website does have a support email contact. I've sent several emails to the support contact address and no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Dates that we stayed were XXXX XXXX XXXX. 
XXXX XXXX XXXX in XXXX, Texas. 

I originally booked through XXXX and paid {$490.00} for XXXX XXXX. This charge was ran twice before I even arrived. On the 4th night of our stay I needed to extend for one more night. We decided to downgrade after I have a charge of {$150.00} overnight to stay in the same hotel room. As I was being checked into our new room I had a charge of {$140.00} show up on my bank account from XXXX XXXX. I complained to the GM once again about how the agreed upon rate was {$85.00} plus tax. She apologized and said that the difference would be credited back. The next morning I had a charge of {$140.00} pending on my debit card and {$150.00} pending on my credit card along with {$630.00} pending on my credit card. That is over {$1000.00} of charges FOR ONE NIGHT AT THE XXXX XXXX. 

The GM assured me that I would be credited back or I could dispute the charges with my credit card company. I disputed the charges and called the GM to let her know. Once again, the {$630.00} charge came back out of my credit card account. This erroneous charge has put me over my credit limit this whole time I've been trying to resolve this. I have documentation showing the incorrect charges and documentation showing the manager credited the last night stay for free due to all of the financial troubles and incorrect charges they made. 

THIS IS FRAUDULENT. This hotel is completely incompetent. I have never seen such horrible customer service and I am literally having my money stolen from your hotel. This is absolutely unacceptable and I expect to be fully credited back IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after XXXX on XXXX XXXX, XXXX. 

I closed a U.S. Bank charge card account back on XXXX/XXXX/XXXX due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. 

U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. 

U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen this application or a charge card. I have told them, " YOU FRAUDULENTLY PUT THIS XXXX ON MY CREDIT REORT, YOU GET IT OFF. 

I have been in too many discussions to count with U.S. Bank fraud department employees all to no avail. 

U.S. Bank was informed of the discovery of a forgery kit utilized by my deceased wife. U.S. bank has been informed of everything all to no avail. 

U.S. Bank continues to send statements every month even though they are fully aware this is an issue " UNDER CLEAR DISPUTE. '' As a result of their ineptness, I have turned this issue over to my attorney, XXXX XXXX XXXX attorney and counselor at Law. XXXX XXXX XXXX XXXX. He has sent them a document with my signature authorizing him to act on my behalf all to no avail. He has sent them letters and tried to call them all to no avail. 

In closing, I have never seen or used a charge card from U.S. Bank after XXXX/XXXX/XXXX. I want the information that was fraudulently applied to my credit report by U.S. Bank 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 explanation
Consumer complaint received 2018-05-10
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
On XX/XX/2018 there were two fraudulent charges. One from XXXX and one from XXXX. XXXX reversed the one from XXXX. But refuses to reverse the XXXX payment. They claim it takes time to investigate.

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 2021-06-04
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. XXXX also show inaccurate information on all 3 credit reporting agencies.

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 2019-01-14
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My td bank account get close and the dont tell me any updated about this, more the 1 month almost XXXX and I still waiting my check and I really need my savings

Company response to consumer: Closed with explanation