BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company by name of " Credit Mamagement Company '' ( which is how it is listed on my credit file '' placed a debt on my report for {$680.00}. Never heard of the company nor have I received anything in writing about this company and a debt. It just popped on my credit file and I do not have any collections on my credit file, which makes me very suspicious of who this company is. I do know by federal law, I am to receive any debt in mail especially if someone claims they are collecting on behalf of someone else, they also must be licensed and bonded in my state of TN to collect a debt, in which this company has violated by not following federal law and notifying me of a debt they are trying to collect that has been paid as it was nothing but cable boxes needed to be turned it, which they have been already for over a year and I do not owe a cable company, if I did they would not be giving me my current service now in my name. This company further more is not licensed and bonded in TN to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Valor Intelligent Processing, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill that was entirely too much, the boxes was returned back at this point they should have deducted XXXX dollars off of my bill which they did not do. There is no way at this time. the bill should still be XXXX. If the bill was over XXXX dollars they shut the service off so explain to me why the bill is still high although all the boxes were returned.Please notify me A S A P about this matter any further questions please feel free to call XXXX Sighned XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had bills coming out on XX/XX/XXXX of about {$500.00} that I wasn't going to be able to cover without depositing more money first. On XX/XX/XXXX, I deposited {$1200.00} knowing that only {$100.00} would be available immediately and that the rest would be posted to my account on XX/XX/XXXX. 

I based all this information from banking history with Fifth Third, as well as relying on the banking app and website that I have used for years and years. I knew exactly what I needed to do so that my account would not go negative. The account never went negative. Yet Fifth Third Bank charged me an overdraft fee of {$74.00}. 

What is even more deceptive ... when you print account detail history, the balances at the end of each day disappear, perhaps it's for privacy reasons. I have a screen shot showing that my account was never negative and that I am being charged {$74.00} for overdrawing. I contacted this bank but they will never respond. They just show you a creative overdraft letter that you need a very open mind to even attempt to follow. No logic is involved. 

This is deceptive ( banking apps and online accounts being misleading as well as overdraft letters that make no sense ), and completely unfair ( {$74.00} overdraft fee without having an negative balance ). 

Please see the attached screen shot that shows my account never being negative, as well as a printout of the same information with hidden account balances ... I wonder why they do it like that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate this!!!!

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 2018-07-21
Company: Windham Professionals, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2016, I made verbal arrangement with Windham Professionals ( contracted via the Dept of Educ ) to pay back a school loan in default. The arrangement would be to pay {$280.00} mo 240 months 20 years charging me every month electronically using my credit card. I was told that interest would be paid first & then principal which made sense when I made the calculation for the debt of approx {$66000.00} & that interest, fees, garnishment, etc would not occur as long as payment continued. I noticed that my credit card was no longer being charged & statements were no longer being received & called them. They told me that they had no record of such agreement regarding the 20 years payoff ... & that I was supposed to call them a year after I made said agreement to renew the agreement if paying {$280.00} per month in which {$4.00} would go towards principal & the rest to interest & fees that increase daily. I asked if all their calls were recorded which they confirmed bc this verbal agreement was in fact made & feel that Ive been defrauded which now increased the student loan to close to {$70000.00}. I was also threated that they would garnish wages if I did not make payment ASAP. The original call in XX/XX/2016 was made with Ext XXXX XXXX who then transferred me to a supervisor whom made this verbal agreement regarding the 20 year time period to pay off. This is a clear case of negligence, dishonest business practices, & consumer abuse. I thank you in advance for your assistance. I just want to pay the student loan but I seem to have been duped.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a fraudulent inquiry on my report from XXXXXXXX XXXX on XX/XX/2023. I called TransUnion to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from XXXX XXXX  stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.

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 2017-07-03
Company: SUNTRUST BANKS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

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 2018-07-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was making a purchase at the XXXX XXXX location in XXXX, VT, XXXX. A cashier named XXXX told me I was signing up for a rewards program and that my ssn was needed for " security reasons. '' About half an hour after leaving the store, I realized that I hadn't had my guard up, and had been scammed into signing up for a credit card, that I might not ever receive, and that, despite the appearance that I had paid for my purchase up front ( i had swiped my debit card to make the purchase ), in fact, I had been scammed into assuming debt for my purchase, that I would likely never be prompted to pay until I would hear from bill collectors and see it on my credit report. If this isn't illegal it should be, and regardless, all consumers should be aware of this shameful practice.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$710.00}

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 2018-11-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018 I was trying to pay my XXXX XXXX bill that is in collection with XXXX XXXX {$24.00} dollars, it wont let me pay anymore. im very mad they had done this before I will get a lawyer and sue them cause this is not right. I was going to pay I payed XXXX dollars last month still there rude idk what there problem is I know its in collection Im paying for it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Apparently on XX/XX/2018, " SYNCB/WALMRT '' made an inquiry on my credit history. I did not authorize this inquiry and I am not certain why they would even do such a thing. Would appreciate an explaination of why this was done?

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 2018-03-31
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 repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a duke energy collection on my account that is not mine. I have called XXXX XXXX  telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.

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 2023-10-09
Company: Klarna AB
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have attempted to use Klarna to make several small purchases. Each time despite showing plenty of " purchase power '' in the app, the transactions have been denied with generic errors that are not helpful in understanding the issue. I have followed all of Klarna 's instructions at XXXX : XXXX, but most do not apply ( as I've never been able to make any transaction, including small ones, thus I can not be a customer for longer or show a pattern of successful repayment with them ). I have linked a bank account and XXXX credit card payment methods, the addresses of all institutions match, etc. When I contacted their online customer service on XX/XX/2023 ( the only option available ) they incorrectly stated that I have a bankruptcy on file which is why my transactions are denied, and they referred me to XXXX. Because this is not correct, I asked how to request that they review their records, clarify the information with XXXX, appeal, etc. and each request I was told to contact XXXX. I have since contacted XXXX and reviewed my credit report in detail, and no such bankruptcy exists ( and it never has in the past ). In fact, there is no derogatory information on file at XXXX of any kind. There appears to be no way to inform Klarna that something is wrong with their information or the processes that are reviewing the information they have. The only possible explanations here are that ( XXXX ) the customer service agent was incorrect or telling me the wrong information, which would still leave some other problem, ( XXXX ) Klarna received incorrect information that I am not able to find as it does not appear at XXXX ( perhaps they got my record confused with someone with a similar name? ) or ( XXXX ) that Klarna is misinterpreting some other piece of information or otherwise erroneously coming to this conclusion. I found a mailing address for Klarna but they make it clear it is for " regulators only '' on their website and thus I am unsure of any other way than going to CFPB to resolve this issue, as their customer service agents are unwilling to even ask for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX XXXX XXXX regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to XXXX XXXX XXXX back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my Experian credit report immediately.

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: AMERICAN EXPRESS COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I checked out of this place in XXXX. My reservation ended XXXX XXXX and I was given refund by the company. I had a feeling about these employees they seemed shady I blame them for this. I would like my charges to be refunded me and I guess cancel the card. Thank you. 


XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$440.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$850.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$510.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$840.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$430.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$700.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XX/XX/2018 someone claiming to be an agent of XXXX XXXX bilked me of nearly {$500.00} via American Express prepaid cards. Details are in the attached correspondence with American Express. Instead of getting down to work and identifying the merchant whose account was credited, American Express keeps sending me stupid unsigned letters asking me to go through their telephone XXXX, although I have several times told them I will not do that. If they want to talk to me by phone they can use my home telephone number, which they know. They also talk about using email, but they have my email address. Someone in the fraud office of American express is doing nothing about the case except sending stupid letters. This has been going on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have a construction and mortgage loan with a private lender through XXXX XXXX  XXXX. The loan matured in XXXXXXXX XXXX. In XXXX, the lender and XXXX were notified of a contract for sale of the project. They were forwarded the contract and the potential diligence period to complete the sale. 

We requested a Payoff and were forward the values due. The payoff included for any interest due and the principle on both the mortgage and construction loan. 

When the buyer completed its diligence on the property, we learned the lender had transferred the loan service over to FCI Lender Services during the same period.

As we prepare for closing, FCI sent us a payoff that included for almost XXXX in default charges and fees. 

While we fought the charges, FCI has been non-responsive and denied their removal. This has jeopardized the entire sale. Unless we relent and pay them the XXXX immediately. This effects, not only the participants, but the tenants within the building.

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