BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: Vital Solutions, Inc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX.

XXXX XXXX attorney Contacted me when I was attempting to settle said that GM  advised me to call them and she gave me their number : XXXX.

I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX   account number XXXX.

I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX  balance.

Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: DISCOVER BANK
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my {$41000.00} of Discover student loans with XXXX XXXX XXXX. On XX/XX/18, XXXX XXXX XXXX dispersed a payment to Discover that equaled the payoff amount. On XX/XX/18, Discover had only processed half of this payment. I called to ask when the second half would be processed and they said it would be completed as soon as possible, and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called again and they said the remainder would be processed as soon as possible and would be completed in 3-5 business days. On XX/XX/18, the entire payment had still not been processed. I called and spent 58 minutes on the phone with a representative who could not provide an answer as to why the payment had not been fully processed and could not provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report it states that XXXX XXXX XXXX XXXX is 100 % percent accurate. When clearly you could see the inaccurate information placed on my credit report. I tried disputing multiple times for inaccurate information such as, the terms, date open, account status, account type, payment status, account name, balance, company sold-to, and payment history. The account is clearly inaccurate. I sent the XXXX XXXX XXXX XXXX validation of debt letter and they failed to respond. Also, I sent them a letter due to that i do not have knowledge of the account. In which, this account have not been properly validated becuause clearly they are violated the law section 609, 611, 616, and 617 under the FDCRA and under FCRA. The credit bureaus states this account is 100 % accurate across every section of the account. They are violating my rights and my credit worthiness and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Mr. Cooper Group Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company is Mr. Cooper/Nationstar Morgage company. After getting out of the Pandemic Forebaearnce program I have been up to date with my account and payments. It is in good standing and it has been in good standing more the majority of the mortgage 's lifetime. in 2015, there were late payments and delinquency reports on my credit from the company due to a modification process that has been cleared up back in XXXX. Since then I have never had a late payment or anything on my credit report. It was weird how after we got out of the forbearance and made the first payment there was a 100 points ( from low XXXX to low XXXX ) drop or negative impact on my credit report from the same delinquencies in 2015. I have reached out to the company and emailed them and they only state that they started an investigation but no one has communicated with me or I have not received any updates. I am in the middle of getting another mortgage so I need to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account on my credit file that doesnt belong to me, I had my ID stolen and sent this company my police file and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Palmar, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The proper option was not available. 
A previous complaint was filed with CFPB, however it was closed. The previous response from XXXX XXXX  contained my private health information. My PHI was viewed by employees of XXXX XXXX. My PHI was shared on this website. 
XXXX XXXX was not authorized to receive my PHI ( as documented by the document they uploaded to this site. ) The medical bill shared initially shared by health care provider is a violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ). This law prohibits the disclosing of personal health information. 

This account is being illegally reported on my credit report. 
As a result, I will be filing a formal complaint with the Attorney General ( OAG ), and Office for Civil Rights ( OCR ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage Company has withdrawn multiple mortgage payments from my bank account without my authorization and I DO NOT have autopay set up on my account. Nonetheless the payments were not applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Unisa, Inc
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered Unisa turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. 
I have contacted both companies several time with no prevail. As of XX/XX/XXXX Unisa has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. 
I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from Unisa, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. 
I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: TX
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 been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these 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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I paid the entire credit card balance of {$10000.00} off bringing the account to {$0.00}. On XX/XX/XXXX I received an email that my credit card statement was ready and there was a new charge of {$160.00} in interest applied to the balance owed. I contacted CapitalOne Customer Service today on XX/XX/XXXX to inquire about the charge and to ask this be removed. I spoke with XXXX, the CSR who passed me to a supervisor as she ( XXXX ) was unable to remove the interest fee. 

The supervisor indicated she could not waive the fee and the interest charge was applied on XX/XX/XXXX, the same day as my payment posting. This can not be the case as I logged in to my account 2 times after my payment posted ( on XX/XX/XXXX and XX/XX/XXXX ) and the account was showing a {$0.00} balance. This interest charge had to have occurred after XX/XX/XXXX and the account supervisor is not providing accurate information. 

I would like to lodge a complaint against CapitalOne based on on deceptive and unfair practices and will continue pursuing my request for CapitalOne to remove the charge. I have documentation showing the date the balance was paid, the date the interest was charged and also documentation showing the dates I logged in to my account to view the balance. 

Thank you for taking the time to review this complaint and please let me know if there are any questions or if any additional information is needed. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: Oklahoma Student Loan Authority
State: IL
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:
My Servicer sent inaccurate information about my loan to the credit agencies. The Biden Administration extended the pause on student loan payments through XX/XX/2022. This means that no payments are being processed. I am also still in school and have deferment as well until I graduate. I am also being approved every semester for loans without any credit issues yet my Servicer reported that they decreased my credit limit to the credit agencies for NO REASON. Attached is what the credit agencies are currently showing me what my Servicer Osla, falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting multiple calls all day from a bill collector. I do not know who they are nor have I received anything in the mail. I asked them not to call me during my work, but they are ignoring. They wanted my credit card info and I refuse to give it to a complete stranger. They call me daily at least 3-5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used my American Express card on XX/XX/20 to pay a plumber. On XX/XX/20, I received an email stating that my card had been cancelled by American Express. I contacted the phone number provided and a customer service agent in the " responsible lending '' area had told me that he could not reinstate it, that a manager could and that it " may or may not '' run a credit check to reinstate. I asked him " So some people can have it reinstated without a credit check? '' and he told me " Yes. '' I told him that I did not want a credit check for a card I already had ( I did not want an additional inquiry for no reason ) and that I wanted to speak to a manager. He told me that he could not transfer me to a manager, that one would have to call me back. No manager has called me back. Today XX/XX/20, I logged on to view my American Express account online and it had a chat message stating that American Express had a message for me and the rep that connected through chat was of no assistance regarding my card and told me to call a 1-800 number to speak with someone about reinstating my card. I called and spoke with a rep who connected me to an agent in this same responsible lending/spending area and he told me he could not reinstate my card without running a credit check and that my card was cancelled due to inactivity. I told him I had just used my card 2 days prior and stated on that the American Express website specifically states " Will American Express cancel my Card due to inactivity? 
For your security, if we notice that your Card hasn't been used for a long period of time, we may close your account. Please be assured that we won't close your account without warning. We'll let you know if your Card is at risk of being deactivated and how you can keep your account open. '' ( https  : //www.americanexpress.com/us/customer-service/faq.card-inactivity-action.html ). I was never once contacted prior to them cancelling my card. I have never missed a payment with American Express, I have no missed payments on my credit report at all, they told me my score was a XXXX  through XXXX, and I am employed and make well more than enough to handle a card with a {$5000.00} limit. The manager had only told me that he would make a note of the website saying that and of American Express not notifying me prior to cancelling my card. This has caused my credit score to decrease due to the account closing and losing {$5000.00} in credit availability. I would like my account to be reinstated as it was or I would like compensate me for the damages to my credit report due to the unnecessary cancellation of my card. This is NOT how you treat customers who have been with you for 4 years and have never missed payments and have had their balances paid off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these 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 2021-05-03
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
When trying to pay off a settlement with a creditor that The Gitmeid Law Firm negotiated, Gitmeid repeatedly failed to send me documentation they said I needed to pay off the settlement with a creditor. 

Furthermore, they also claimed they had trouble getting information from creditors stating my accounts were settled. Only after I personally contacted the creditors they negotiated settlements with did I receive the documents I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
refL Select Portfolio Servicing Acct : XXXX My mortgage had been transferred 3 times from country wide to XXXX XXXX XXXX, to XXXX and now select portfolio servicing since my acct had been transferred the loan amount had been increased drastically now the new servicing is collecting a advance fee for {$2300.00} plus interest a fee that had not clue I owed ; according to to SPS stated that I owed this fees since XX/XX/XXXX ; I had explained that never received any loan advance to maintained the property why I had been added an additional fee that never heard about ; I tried to resolved this issue unsuccessful now I owed more that my total amount I borrow in XX/XX/XXXX for {$270000.00} first mortgage. Please help .. I had been straggling for each lender since then with not luck but more in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive been making student loan payments religiously several years now and it never gets paid off. Ill be on added a bunch interest back in from when it was in deferment. CFPB was supposed to be suing them and get Trying to get a settlement. Hardly any goes on the Principle all I should always have the max on my income tax statement of say {$600.00} paid in interest, Its always far far less than that. Its a sham to make  regular payments and it will not get paid off. The payments that keeps getting higher every month too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First I never received any notice if this debt to verify or dispute it I never seen it till I seen it on my credit report I requested the credit bureaus investigate this debt on XX/XX/2021 and only XXXX verified the debt I then contacted the agency on XX/XX/XXXX I was told I could settle and close the account for {$80.00} I paid the {$80.00} on XX/XX/2021 when I contacted the company today XX/XX/2021 I was told that the {$80.00} would not settle the account I needed to pay {$130.00} more to settle the account. When first contacting them via Chat the rep never even told me this was an attempt to collect a debt over all I feel lied to and would like this account to be settled. Also I feel like I was being recorded without permission online from my computer because when I spoke out loud about what was going on the online chat screen disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation