BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Messerli & Kramer PA sent a guy to my parents home where I do not live to give me papers that said Im being sued by my old credit union for a car that had and it was repossessed. The issue is I spoke to my old credit union XXXX XXXX  and was advised that they dont sue for a car that was repossessed. The car was given to my brother who ran into a financial crisis and couldnt pay the note by the time I got ready to take back over the note it was to late. Messerli & Kramer PA never sent me a notice saying the account was with their office. The only I received was from XXXX XXXX after the car was sold at the auction advising me of what was left over. This car was repossessed in 2015 and now Im getting a notice from this agency saying XXXX XXXX is suing me. My parents were very upset that this random man showed up to their home looking for me and then the papers he had werent sealed in an envelope they were paper clipped together out in the open for anybody to see my personal business. I wrote Messerli & Kramer PA a letter advising that I cant afford the now XXXX dollars that they say owe when the balance per XXXX XXXX is only XXXX dollars. Ive been working with my brother seeing how much he can afford to pay towards this so that I can get this resolved. Im currently in a financial situation myself and there is no way I can afford XXXX plus being told that Im going to be sued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: STERLING JEWELERS, 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:
I have a loan with KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted XXXX XXXX XXXX in XX/XX/XXXX after I received a notification that I had only made XXXX qualifying payments toward my Public Service Loan Forgiveness program. I called them to ask about the number, since it should be much higher, closer to 90 payments at that time. I refinanced my loans to enter the program in XX/XX/XXXX, and have been with qualifying employers the entire time, paying under repayment programs that qualify as well. I asked them to review the number of payments. I called again in XX/XX/XXXX when I didn't receive any response to my first inquiry. I was told that it wasn't properly submitted, and that they would ensure it was submitted for review now. I called again in XX/XX/XXXX and again in XX/XX/XXXX, asking for updated. I was told it was still under review. I called yesterday ( XX/XX/XXXX ) and was again told that it is still under review. I asked about timeframes for these reviews, since my forgiveness will be coming up in XX/XX/XXXX. The person stated that their policy is to finish these reviews in 90 days, but due to so many requests, they are prioritizing them by those who are coming into forgiveness first. I asked when my date comes up, am I required to still make payments if they haven't completed the review. She stated yes. I asked how is that possible when I made requests over a year ago now. This company needs to get its act together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2018 I Despoit XXXX Into Chase Bank.

On XX/XX/2018.

Chase Decided To Close My Account.

And Didn't Write Me A Check.

They are still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Aargon Agency, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency ( AARGON ) is trying to collect an old debt from XX/XX/XXXX they haven't mailed me any information bout this debt which the STATUE OF LIMITATIONS on the account has expire in the state of Delaware, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in PA in years because of a Domestic situation and had to relocate the original agency knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
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:
On XX/XX/XXXX I received a zombie debt letter from XX/XX/XXXX that had been paid in XX/XX/XXXX from XXXX XXXX XXXX XXXX that i owed a debt to them in the amount of {$590.00} from XX/XX/XXXX for court costs. The original court had been paid and i do NOT owe this debt and will not pay these people that i do not owe! This letter is threatening me if i do not pay them that i will get a warrant and lose my license. I wish to proceed to legal advice after i write this letter as i will no tolerate threatening letters from a debt collector that i do not owe and old zombie debt from 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.

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 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a XXXX XXXX credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. XXXX issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a XXXX representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore XXXX said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the XXXX account back to my credit file. 

I called an XXXX XXXX at TransUnion ( XXXX ) and he confirmed TransUnion had indeed removed the XXXX account from my file but that he could not reverse that action without a request from XXXX. 

I called XXXX at XXXX ( XXXX Ext XXXX ) and asked her to request of TransUnion that the file be unblocked and to reinstate the XXXX account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

TransUnion advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with XXXX as I would lose some XXXX points for air miles with XXXX 's XXXX XXXX. Additionally, although I still owe some money to XXXX on the old account ( not due until XX/XX/XXXX ) XXXX refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me XXXX can not communicate with me by mail any more. I have not yet received anything at all from XXXX in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
This complain is about CITIBANK, N.A.Regardin : BEST BUY Radius Reference Number:XXXX Balance:XXXX I paid in XX/XX/2019 the amount of XXXX and that keeps affecting me every time I try to get something for credit so after I pay they send me this letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXXDispute ftc violations filed

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 2018-02-25
Company: TCF NATIONAL BANK
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:
The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Bank of America process a mortgage payment without my consent or permission. I called and spoken to at least 5 Customer service representatives requesting the payment to be reverse. they agreed to reverse it. They then sent me an Affidavit form to complete and I did immediately On XX/XX/XXXX They charged my checking account $ XXXX.No warning, no communication. This is despite the fact they knew I had no fund available to cover it any charges. As a result, I ended up with so many unpaid transactions to my creditors ( via  Automatic bill pay ) i ended up with so many fees from both my bank for insufficient fund and from my creditors.Some of my creditors rush in decreasing my available line of credit and my credit report has suffered tremendously. 
Bank of America has acted illegitimately, unfairly and wilfully to place my account in a very absurd and negative rating.

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 2018-06-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Re : XXXX To Whom It May Concern : I have reached out to Diversified Consultants several times, certified mail, via fax and email with no response.

This is not a refusal to pay, but a notice that their claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Navient Solutions, LLC.
State: NH
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:
2nd complaint received response NAVIENT Company said I made payments to FFEL CONSOLIDATED LOAN ....

No I did not..knowingly make payments to this loan..internal revenue refund OFFSETS and 2 wage garnishes.. received notice just this year which is how I found out about this loan I made payments to a parent plus loan for 5.5 years. Bills stopped thought I was paid..

Response listed NAVIENT ADVOCATE..called..told that CONSOLIDATED loan lender was company called XXXX..called XXXX. Now called XXXX..was told N avient owns that loan..

AGAIN SENT IN CIRCLES..STILL NO COMPUTER ADDRESS INFORMATION AND LOTS OF GOBBLY GOOP..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. Identity Theft RENTAL PROPERTY XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit 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 2021-06-24
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I disputed a credit card debt for XXXX XXXX XXXX. The credit card account was removed from all 3 major Credit Bureaus. However, a collection account from LVNV Funding LLC surfaced on my 3 credit reports in XXXX. I successfully won another case in XXXX with LVNV for a different account with the same creditor and that collection account was removed. I attached a copy of the ruling. I have disputed this account multiple times with XXXX, XXXX, XXXX, as well as, LVNV and all they provide is a statement, but no proof of the account belonging to me. I am requesting you investigate and have this collection account removed from my Credit reports please. 

Account Number : XXXX Collection opened : XX/XX/XXXX Collector : LVNV FUNDING LLC Original Creditor : XXXX  XXXX XXXX  XXXX. 
{$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that XXXX is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. XXXX indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called XXXX and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes  while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. XXXX continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.

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 2018-07-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have illegally re-posted an account deleted for identity theft a long time ago. They have ruined my credit and caused damages to me as I recover from Identity Theft. They contacted me out of the blue about this account that has been removed and blocked from all three bureaus demanding money. I responded in writing to them within 30 days notifying them that this account was deleted for identity theft previously and can not be re-posted, bought or sold. 

They don't care about the law at all and attacked me anyway believing that I will just take this lying down and give up. 

They opened the account in XX/XX/XXXX for {$5600.00} and updated it to post on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 letters from XXXX XXXX XXXX demanding payment for a company I have never heard of in a state I have never been to. they are threating to report me to credit reporting services etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Big Picture Loans, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Big Picture Loans sent me a letter dated XX/XX/2018 stating that they have tried to contact me numerous times about the delinquent status of my account. I have never done business with them. The letter states I owe {$1000.00} principal on a loan plus {$1100.00} in interest. 

The representative at Big Picture Loans only told me that an inquiry was placed in XXXX of 2018. He then asked me for my social security number and my personal bank account and routing numbers - I did not provide any of these and ended my call with the representative as this entire thing feels like a scam. 

I immediately checked my 3 credit reports and see a number of hard inquiries on XX/XX/XXXX from various companies - I will be submitting separate false credit reporting requests for each of these also.

Company response to consumer: Closed with explanation