BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill for XXXX XXXX XXXX it was paid this debt collector I.C. system I have no knowledge of them and this bill and cant get them to talk to me. I have called for two weeks straight everyday. 
Amount is XXXX Don't have dates.

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 2021-05-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have not initiated any transaction with SYNCB/CARE CREDIT Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SYNCB/CARE CREDIT for review or collection.

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 2023-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to Wells Fargo regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

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 2018-07-13
Company: The Bureaus, Inc.
State: MI
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:
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Ditech Financial LLC
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was a lawsuit against Green Tree Servicing to pay $XXXX XXXX to settle federal charges that I feel we/husband I should have been included.  We were treated horribly.  Even when we were trying to pay off the loan, the representatives were very rude and threatening. We would receive a call one day and be told it is on record when and how we would pay off our loan, yet someone would call the next day threatening. We would have to go through the story again and the very next day someone would call again. We were finally able to pay the loan off thank God; however, we had the loan for almost 20 years and should not have had to be subjected to such rudeness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Atlanticus Services Corporation
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: Their investigation did not fix an error on your report

Complaint:
I see no changes for the last account that I've filed last month. I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CCS Financial Services, Inc.
State: NC
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:
I've been in contact with XXXX XXXX who I've never had insurance with . I received a bill from them back in XX/XX/XXXX saying I owned money and then I contacted them saying this account isn't mine . I file a police report and sent it to XXXX XXXX and also the insurance commission office in XXXX NC . XXXX  stated that this account is fraud and they will no longer contacted me . My ex Daughter in-law ( XXXX  XXXX XXXX ) has stolen my identity with her new boyfriend XXXX  XXXX XXXX and purchased several cars and credit cards in my name . I'm XXXX years old and clearly this is wrong to place a fraud account on my credit report and send it to Credit Collection Services to collect money on a fraud account . My banker at XXXX XXXX just told me that I can't go to my loan closing on my new house due to this fraud account . Please remove ASAP or ill file suit against Credit Collection Services .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
One XXXX XXXX, 2017, I had an account balance of beginning balance of {$220.00}. An ATM withdrawal for ( {$100.00} + {$2.00} fee = {$100.00} ) was debited to my account. That left a balance of {$120.00}, which Capital One ( Bank ) debited an ACH charge for {$71.00}, leaving a balance of {$49.00}. The issue I have is with the following two debits. The Bank then debited a {$75.00} ACH charge from the account ( {$49.00} - {$75.00} = [ $ XXXX ], resulting in a {$35.00} fee. Then the Bank applied a check for {$30.00}  against the negative amount to incur another {$35.00} fee. Had the Bank applied the check for {$30.00} first, it would not be able to collect two OD fees. ( e.g. {$49.00} - {$30.00} = {$19.00}, no NSF/OD fee ).
The Dodd-Frank Act makes it unlawful for any covered person or service provider to engage in an abusive act or practice. An abusive act or practice ... Takes unreasonable advantage of ... the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Here, I reasonably relied on my Bank, to act in my interest and try to reduce the amount of charges incurred on my account when it was reasonable to do so. By not applying the {$30.00} check before applying the {$75.00} ACH charge, the bank caused me to pay {$35.00} or a {$30.00} check. I believe this to be an abuse act or practice as defined by the Dodd-Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Navient Solutions, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract. 

This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Patenaude & Felix A Professional Corporation
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The debt first became delinquent in XX/XX/XXXX. They filed suit against me in a county I didn't live in, in XX/XX/XXXX, which was more than a year after the statute of limitations had passed. I never received notice of the suit so that I could respond or was aware in any way of the suit. They then, last month, got a hold of my address and mailed a writ of garnishment to my apartment complex without my apartment number on it so that I couldn't receive it or respond and followed through with garnishing my wages. I am a single mother and rent in my area is very high. I pay over $ 1500/month for a 2 bedroom apartment for my XXXX children and I and I also have bad XXXX and am in need of XXXX XXXX for a XXXX   on my XXXX that I recently found out about, but have not been able to schedule because I'm barely scraping by and can't afford the time off of work right now. I emailed the company with a dispute as soon as I was notified by my employer and advised them that I was disputing several things about the garnishment, of my medical and financial situation, and that I needed it stopped and for someone to contact me but nobody did. That was over the weekend, and my paycheck on Friday was garnished for {$300.00}. I called Thursday afternoon and got their voicemail so I left a very detailed message about everything begging them to do something and they called me back the next day while I was at work. I called back on my break and got voicemail again and told them when I would take lunch and asked if they could answer then or leave me a message with the time they would be available or for someone else to talk to and still got voicemail when I called on my lunch. I left another voicemail and indicated I would be on lunch for a specified period of time if they could please try to get back to me and they called back an hour and a half after I had said I would be available. This was very important so I answered and left my desk to go to the patio and tried to talk to the guy and told him I couldn't go into a bunch of details because I was at work now but based on my long very detailed voicemail which he acknowledged receiving, could he please tell me if there was anything they could do but he refused to discuss it with me because I wouldn't go over all of the details again at work although he admitted having heard them all on the voicemail. Not only have they been unhelpful, but they have, what feels like intentionally, sent things to me in a way that I couldn't respond, their attitude was negative and not respecting of my privacy when I couldn't go into details at work, although I had already given them to them, and tried quite a bit to reach them outside of work to discuss it, but most of all, they filed suit against me well after the statute of limitations in my state was up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Granite Edvance Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had 4 private loans from lenders ( XXXX  and XXXX ) serviced via XXXX company and I started my residency training in XX/XX/2020 and I submitted my residency verification documents in XX/XX/2020, however they kept denying my residency verification and default my loans in forbearance and keep default my loans into debt collection with delay payment fees and increased my loan interested rate. I kept trying to call them to resolve this issue and every time I received a reassurance that it will be fixed but they never have it resolved. In turned they kept asking me to submit an updated residency verification and more documents while I try my best to do it in time manner. This process delay for months while I still pay them monthly payment of minimal {$100.00} per month for each account. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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:
Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: U.S. BANCORP
State: OH
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2017 I contacted my mortgage company US Bank and informed them that I was unemployed and to get help so I wouldn't loose my home they put me on an forbearance and it took them over a month to contact me back and set me up with a caseworker, I got a job XX/XX/2017 working for the XXXX XXXX XXXX was put on repayment plan paid back every XXXX making double payments paid it off a month early. But they reported to all credit bureau 's that I was late every month I was on forbearance including while I was waiting to get a worker to get everything set up while I was working with then for help and now I need repairs and wanted to do upgrades on my home but no one will give me a loan because they have 7 late charges on my credit reports. Please help banks shouldn't be allowed to do this when a person on forbearance. My credit score is good but this hurting my chances with loans I have been turned down twice because of this I have XXXX of equity in my home and can't get an home equity loan or personal loan because of this please help. Thank you.

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 2020-05-07
Company: EQUIFAX, INC.
State: AR
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:
Over the past several months, I've been in touch with Equifax in regards to several fraudulent accounts reporting on my credit file that were established without my consent. The account ( XXXX XXXX XXXX XXXX XXXX  XXXX ) for some reason still remains on my file from Equifax. This account was clearly included in my FTC report from the Federal Trade Commission. Equifax has not provided any accurate verification in regards to this account and it has been over 30 days without yet a response. Under the FCRA Equifax must abide or adhere to by removing this account promptly from my credit file. Equifax still continues to report addresses on my credit file I've never been associated with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
spoken to several of the credit card companies and collection agencies, with multiple representatives over a 1 year period and have yet to receive help or feedback. Alot of the times this has something i can deal with in a timely manner however with covid 19 i am struggling and find it hard to survive with bad credit and can ; t get approve for any emergency loans to assist my living arrangements and with the countless letters i have mailed out and reach out this is hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me multiple times a day and after XXXX on Sundays. I have asked that they not constantly call while I attempt to figure out how I can resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: EQUIFAX, 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:
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; XXXX XXXX and Equifax that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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:
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; Trans Union and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.

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 2019-08-18
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received alert from XXXX Credit monitoring about a new collection added to my report on XX/XX/2019.  Checked report, there was an entry for a collection with Capio Partners llc., for the amount of $XXXX.  I have not been contacted at any time from this company.  I have not received any written communication about this debt.  This debt is over 5  years old and is beyond South Carolina statutes of limitations.  This collection has bounced on and off of my credit reports 3 seperate times, under different company names found to be affilliated with Capio Partners llc.  The previous one, just earliar this year was from Assetcare llc., which I also never received any type of communication or written notice. This debt has been disputed several times, resulting in removal from credit report, just to pop up again later.  I believe the company to be using debt "parking" techniques in order to attempt to collect  this old debt, and to be monitoring my credit scores to try to attempt to collect over and over again.  I am in the process of rebuilding my credit, and my credit scores have increased significantly in the span of just the past 2 months, that is why I believe they are monitoring my scores in order to try to continue to collect on this repeated bought and sold debt, for this is the 2nd time this has occured.  The last time when it was reported under Assetcare llc.  was also at a time I had my credit scores increase in a short period of time.  Coincidence, I think not.  This has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt of {$180.00} on XX/XX/2020 yet Midland Credit Management MCM continues sending me collection of debt letters. They say they will send letter stating debt has been paid but instead all I receive are collection of debt letters. I need this harassment to stop! This is illegal! 

Attached herein is email stating I paid though it seems to erroneously state I still owe {$180.00}. Note payment was made via telephone directly with MCM.

Company response to consumer: Closed with explanation