BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: Cascade Capital, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was contacted in XX/XX/XXXX by XXXX XXXX XXXX regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from XXXX XXXX XXXX  for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMCOL Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
every time I call the so call ed people saying I owe the this debt they keep hanging up on me.i never once received anything in the mail saying I owed the multiple debts.. and there are 2 collection agency 's trying to collect a debt from the same place it seems like everyone I check my credit new accounts pop up and places I never herd of or scene and I have medical insurance amcol systems inc {$3000.00} opened XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX  {$1200.00} opened XXXX online information {$1100.00} opened XXXX XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$710.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} opened XXXX XXXX XXXX XXXX {$210.00} opened XXXX XXXX XXXX XXXX  {$130.00} opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Comentiy Bank/ Victoria Secret account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020. During that time XXXX has declared a natural disaster XXXX due to Covid. I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2017, Capital One Bank added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Capital One Bank did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. Although the collection was paid in full, a bill without a signature does not validate the debt and anybody can send a bill and say it is mines. According to FCRA, Capital One Bank has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: ACS Education Services
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACS/Conduit seem to be lacking in communication with their debt collection department, XXXX XXXX. I receive multiple phone calls from XXXX XXXX regarding debt that i have already paid. It is time consuming, it is bothersome and it is harassment. I also worry about their reporting tactics and if they are accurate when reporting my payment history to credit beuraus. ACS is unorganized, uncommunicative and make paying back my debt very difficult. Private loans like this and XXXX, need to have the same protections as federal student loans. These companies operate like scam companies. Please fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I hope that my message will not be ignored. The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! These wrong items killing my plans and planning in general ... I do not recognize this account as for two inquiries I have never gave anybody permission or I have never authorized something like this, please take appropriate actions and remove them all - I am victim of identity theft for sure.

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 2019-02-26
Company: Patenaude & Felix A Professional Corporation
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello My name is XXXX XXXX, on XX/XX/2020 Arizona Department of Economic Security gained access to my Bank of America pre-paid debit card. They used that access to take {$2600.00} in funds without permission. I have called Bank of America on several occasions and I have called Arizona Department of Economic Security a total of fifty times in the past seven months. I have gotten no response from DES regarding my issue. I am still receiving unemployment from DES to this day. They have verified who I say I am they just have not given back the funds they stole.

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 2019-11-13
Company: Uplift, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an account paid IN FULL with Uplift since XX/XX/2019. It is STILL REPORTING I have a balance of {$760.00}! I have called on sveeral occasions and they told me it's been updated and I can send a dispute if it's not accurate but yet they STILL ARE REPORTING IT WRONG! I want the account removed from my credit report for the egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to fix the way my additional payments are applied several times with this company. I can never pay down the principal balance because ALL of my payments are going towards interest. I also NEVER signed up for the weird graduated repayment plan that I just realized I am on, and I am being charged more interest for this. I pay my regular payment monthly, plus additional. Every payment is going to interest only. This is not ok. 


XX/XX/2020 - {$140.00} {$23.00} - applied to principle {$110.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$5.00} {$0.00} - applied to principle {$5.00} - applied to interest XX/XX/2020 {$140.00} {$0.00} - applied to principle {$140.00} - applied to interest Again, I pay on time monthly without fail. This is so wrong in so many ways. Ethically it is almost criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: LA
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 first reported a 30 late payment on my credit report to XXXX Equifax, and XXXX   on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. Equifax, XXXX, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. Equifax then updated the account this month which caused my credit score to drop 51 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collection agents from Portfolio Recovery Associates, LLC are calling multiple times a day, using different numbers from around the country in an attempt to collect a debt from me.

When speaking to one agent, they refused to identify themselves as debt collectors and after several attempts to get them to reveal the nature of the call, the agent only stated the company they worked for and asked if I was or knew the person they were attempting to call.

Their harassing calls have come from countless different phone numbers from around the U.S. and none of which are listed as official business numbers on their website or in the correspondence they have sent me. 

Examples of such are : XX/XX/2018 call from ( XXXX ) XXXX XX/XX/2018 call from ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I completed my payments on my auto loan on XX/XX/2017, and now, more than 195 days later, all three credit bureaus continue to show the loan outstanding. 

After 90 days had passed -- since that was their window for reporting to the bureaus -- I began calling periodically. I have now called the company 6 times. Each time, I have been told that the company had a computer issue, but it was " recently '' fixed and my account would be reported to the bureaus by the end of the week. An additional 90 days have passed since I was first told that, and the account has still not been reported as paid in full, per a conversation with an agent yesterday. 

I have, on three occasions, asked to speak with a supervisor. I have been passed on to voicemail boxes each time with a promise that I'd get a call back by the end of the day. I have yet to get a call back. 

GM Financial says they update accounts paid in full within 90 days. I have waited more than twice that without any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX, and XXXX  are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: NC
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've disputed multiple times with XXXX/Experian/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't

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 2018-07-10
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have autopay that pulls monthly on the XXXX. I pay extra each month to the highest interest rate loan. I have it in my settings to not advance the due date. Navient 's autopay pulls the same amount each month, even if the statement shows I owe less. The autopayment and statement difference is sprinkled across all my loans, putting as little as less than {$2.00} on the highest interest rate loan, because Navient advances my due date on whatever loan I pay extra on, even when I direct it not to. This has been happening since XX/XX/2018. I called the first time XX/XX/XXXX, and they backed my due date up so my autopay would be applied appropriately. I called again on XX/XX/XXXX, and the agent was not helpful, and told me I'm not making my payments correctly, and switched my settings to pay on the highest balance, which is not what I want. While currently that would apply the extra on my loan to the highest interest rate, it won't be correct for long as I pay extra each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XXXX XXXX I had attempted to Rent a car from XXXX XXXX XXXX XXXX at XXXX XXXX I had reserved the car through the prepaid option on the website. I had used my Capital One credit card. When I went to rent the vehicle i was informed that i was unable to rent the car because I did not want to give the extra {$100.00} for deposit as i had reserved the car on line with the prepaid Reservation. The representative and I had words as I reminding him of the Prepaid and its terms and he was not honoring the agreement. I admittedly said choice words to the agent and left to go to another rental car company I tried to reserve another vehicle at XXXX on the website and went there unbeknownst to me that the same representative worked at the XXXX XXXX XXXX XXXX and he maliciously charged me twice in that same day making 3 separate charges on XXXX XXXX. I call Capital One the same day i requested that they do not allow the charges to be processed and they informed me that were not able to stop the charges but i know they could. I called capital One again and initiated several disputes, but they did not honor my request then they said it was past the time of resolution and i was charged {$230.00} on the initial rental {$450.00} on the second and {$230.00} without the use of a vehicle. Totaling {$910.00} alongside late fees interest and the delinquent late payments, and the derogatory late pays that occurred during the time of the several disputes. I am in need of good credit so i tried to make payments to restore my credit until I was made aware of this Bureau .In hopes that i might get help and justice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit 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 or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE BEEN A VICTIM OF IDENTITY THEFT ALL OF THESE ACCOUNTS ARE FRAUD I DID NOT AUTHORIZE THESE ACCOUNTS

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