BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: PA
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 an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and XXXX told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is Seriously dismissive when you talk to them on the phone. 
Obviously, they do not teach Customer Service Skills. 

My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years.

I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. 
Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit.

TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency.

I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit.

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 2019-09-27
Company: ENCORE CAPITAL GROUP 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:
Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX   transferred this debt to Midland Credit Management and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX reports my account information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was taken a debt collection agency because XXXX  office that i went to said i owed them {$240.00} that i don't have i paid it anyways so i won't be harassed by e-mails etc. My wife recently passed away due to XXXX we have XXXX year old i am struggling for money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice from these crooks at Portfolio Recovery Associates. They said they "bought" a debt from XXXX {South Dakota} XXXX XXXX for $XXXX, Account number XXXX> First, I don't know what the hell they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX   br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact XXXX, call . XXXX XXXX XXXX. fot the Portfolio folks, call XXXX XXXX XXXX XXXX.Looking for some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disconnected my XXXX  account and as instructed returned the equipment to a XXXX   facility who gave me a receipt stating I returned the equipment to them. Couple months later I received a debt collector invoice from RPM - Receivables Performance Management stating I owed {$140.00} for the equipment. I sent them the copy of the receipt and they won't clear the account. I spoke with XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ( who hung up on me ) and said " XXXX  says you still owe it ''. Totally false. I looked on XXXX  and this company has horrible reviews and scams people for utility bills. Please stop them.

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 2019-09-27
Company: National Collection Systems, 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: Account status incorrect

Complaint:
I have disputed this issue with National Credit Management several times, all to no avail. National Credit Management is collecting funds for XXXX College. 

When I made contact with XXXX College 's Bursar 's Office, the bursar 's office states and confirms this debt was NEVER SENT TO National Credit Management for collections. This debt remain solely with the college. The debt was paid directly to the college so that I could register and attend classes. 

I made contact with XXXX XXXX of National Credit Management via phone [ ( XXXX XXXX XXXX ] and informed her of this issue. She gave me her email address and asked me to send them a copy of the paid receipt the college sent to me via email. Plus she said she would contact the college directly to verify the paid receipt. I sent the email directly to " XXXX ''. As of today, XX/XX/2019, I have not heard a response from National Credit Management. 

Please see attachments for proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served documentation from Gurstel Law Firm Professional Services. They were representing XXXX XXXX XXXX company. This is for a debt that I had not repaid yet because of a financial hardship I am going through currently. I had relayed this to XXXX on more than one occasion however they still turned this account over to Gurstel. Gurstel served my wife court documents ( that are only in my name ) and in those documents there was a reply that was asked for on a questionnaire sheet via US mail. I mailed this in and then I also received a letter back with the copy of the letter I sent along with their acknowledgement that they had received such letter. Without notice from Gurstel or any other communication or a phone call they put a lien on my house on the day it was supposed to fund when their lien came through and I was forced to pay that debt in full to move forward this did not only finacially hurt us even more but put us in a worse off position than we currently were. Gurstel did this without warning and I had explained in my letter that I was willing to work with them and that I needed to get this situation in order because I had fallen upon some hard times. They proceeded without any further contact to seize that money. This left my family and I in a very hard spot that could of otherwise been avoided. We are still trying to recovery and will be for a while. I looked online and they have reviews after review of similar tactics where they insert themselves into your personal life trying to capitalize in any moment that they can take advantage of you when your are vulnerable and that is what happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted mortgage assistance request with financials XX/XX/2020 to Select Port Folio.  Received mortgage assistance denial XX/XX/2020 from Select Port Folio. I feel my mortgage servicer did not review my request for help and they are not following the CFPB guideline for mortgage assistance requests. The documents received from my mortgage servicer with the denial notification stated I had 30 days to appeal the mortgage assistance denial. My property is set for a foreclosure sale XXXX XXXX and I was not given the 30 days for the appeal process to be completed. Spoke with XXXX Select Port Folio Supervisor in regards to this foreclosure and the mortgage assistance request she informed me that the mortgage assistance appeal was being reviewed, but they had not post pone the property foreclosure sale. Why is the foreclosure still pending and the mortgage company has not finalized the processing of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.

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 2019-09-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. 

Thank you for your time! 
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 2018-12-18
Company: GreenSky, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for a loan from Green Sky loans for {$20000.00} for XXXX XXXX XXXX XXXX " XXXX  '' to Replace my roof in XX/XX/2015 however XXXX did not have me sign anything from green sky to authorize release of funds to XXXX  to date the roof is not repaired and continues to leak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Public record information inaccurate

Complaint:
I have attempted several times, with and without the assistance of the CFPB to have Transunion perform a PROPER investigation into the public record on my credit report. They state, on their website that public records before XX/XX/2018 were sourced from XXXX. I have included this webpage as part of my attachments. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Yet, Transunion continues to assert that they indeed reached out to XXXX and that XXXX verified this public record which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Transunion, I am requesting that you do the same. Please do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately 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 2017-12-05
Company: Navient Solutions, LLC.
State: AZ
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 was confused about how the interest payment was calculated. I was trying to get information on how much I should pay monthly to cover the interest on my loan. The calculator on the website, which indicated it would calculate this number, actually gave me a calculation based only on the principle amount of my loan. I figured out on my own that this was wrong, as I owe a lot more due to high interest rates. I called not once, but twice to the lender and each time the agent from Navient assured me that the online calculation was correct. I was mis-advised twice by two separate agents from Navient. Had I not been smart enough to correct it on my own, this would have costed me a lot of money in not being able to fully cover the interest on my full loan each month. I am very disappointed in Navient and do not trust them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX  asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. 

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. 
Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: DC
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 sent a certified letter to Equifax, which they received on XX/XX/XXXX. The letter requested them to investigate XXXX fraudulent inquires in my credit, that I did not authorize. 

XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. 

The investigation was not completed in accordance with section 604 of the FCRA. These companies did not have permissible purpose to pull my credit. I did not authorize any of these companies to pull my score and Equifax DID NOT properly conduct an investigation in accordance with the stated law in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: PA
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 an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Upgrade, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received this email from Upgrade , Inc. invite XX/XX/22. I currently have a credit card and they offered to upgrade it. No credit check, no new account, same credit card number. I decided to apply the next day. Little did I know they ran my credit and they're sending me a new credit card with a new number. All the things they said they wouldn't do. See email to below. I've also attached a screenshot of the email. 

" Hi XXXX, Congratulations : You are eligible to switch to Upgrade Triple Cash Rewards! 
Theres no need to submit another application or undergo a credit check. And youll keep your current account number and physical card. 
Simply click on the button below by XXXX and we will take care of the rest. ''

Company response to consumer: Closed with explanation