BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: National Check Resolution Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 XXXX at extension XXXX of National Check Resolution Inc. left a voicemail on a person that is no longer associated with the business regarding a debt that the business and I have obtained personally and threaten that a asset investigation is on the way, which brought total embarrassment to me and me wondering how she can legally leave personal information about me and my business on someone else 's voicemail. I called XXXX up and told her how can she legally do that and she said because the person was once associated to the business in her paperwork. And then I told her the business was in a legal lawsuit at the moment but I did have an attorney and would be filing bankruptcy because I have lost everything with the business, and she said if I settled today she could take a settlement but if not then as of Wednesday they will open a asset investigation and go after my personal accounts ... I really felt like she was XXXX  me to settle, when I have nothing, and I financially cant settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, My roommates and I were once residents at XXXX XXXX XXXX in XXXX, Ga. When we moved out, yes we left items in the apt , but we thought if anything they'd take it out of our deposit, in which we didn't receive. It was literally in maybe late XXXX, early XXXX, we first received any contact regarding debt collection. If we'd known about the collection, which is in the amount of {$910.00}, we'd handled it accordingly, but in the midst of moving we didn't receive a letter or email regarding any new collections. Since then, we've received countless calls and each time that we negotiate to set up a payment plan, they try to intimidate us by making us pay during the phone call. I've even contacted our previous complex numerous times and can never get into contact with anyone to discuss an arrangement. In short, we'd like for the collections to be dropped or reduced because of the lack of awareness from XXXX XXXX and the debt collection agency. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX charged a {$2.00} interest fee in the XXXX statement on debt that was paid in full on XX/XX/XXXX, which is the previous billing cycle. The customer service representative told me that was an attempt to collect, but allowed me to dispute the charge. However, I do not believe that practice is or should be legal. The only reason I notice the charge was that I had no purchases in the following months. I believe this is an obscure fee and it leads to consumers paying interest on debt that was paid in full.

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 2019-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I, XXXX & my wife XXXX XXXX have a family trust A/C. In response to a Written Offer ( Attachment -1 ) from CapitalOne 360 Money Market A/C, we opened an account with CapitalOne & completed the required money ( $ XXXX or more ) deposit on XX/XX/XXXX. ( Attachment-2 ). 

We have spent several hours talking to this Bank XXXX XXXX ) before & after opening this A/C. Depending on who picks up the phone, we get different & varying answers & it is frustrating in the least. I have complained to them both in phone calls & written notes on their web site but none cares or reads customer complaints. They think they are immune from all U.S laws & they are in some foreign land. We have requested the people including Managers that we need something in WRITING from the Bank that we have met all the requirements of 360 MM A/C & tell us when they will credit this A/C with {$500.00} Bonus. If they don't want to send an e-mail to us at least post that info on our A/C page. They are refusing both. When I wrote to them online, the person who picked up said that we are NOT eligible for {$500.00} since we did not include the Promotion Code ( XXXX ), which info have been provided multiple times to those morons over the phone. The offer expires only on XX/XX/XXXX. 

Today again we called Capital One & after spending lot of time they allowed a Manager to come on line. He confirmed that he can see a NOTE on our A/C that we are eligible for {$500.00} ( this info, the customer service who answers the phone CAN NOT see!!?? ).

We have bitter experience with CapitalOne since they refused to give me {$500.00} after 90 days had passed ( XX/XX/XXXX ) & gave me a consolation bonus of {$50.00} only. This is their dirty game plan. Wait 90 days & then show their crooked, ugly face. This is UNACCEPTABLE. If they don't want to send an e-mail to us at least post that confirmation {$500.00} info on our A/C page. 

We are requesting your office to bring this Bank in line with banking norms. Thank you XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initiated a dispute on my Equifax credit report. The debt was charged off by XXXX the original creditor on XXXX. Apparently XXXX XXXX XXXX  purchased the charged off debt. I have no contract with XXXX XXXX XXXX. Equifax sent me a confirmation in writing that the debt was valid. Equifax publishes a phone number to give additional information and to discuss the dispute with a person. The number they give is XXXX. This number has no options to discuss the dispute with a customer service representative. It just makes you go in circles and disconnects you. This is not fair to the consumer. I have tried several numbers found on the internet for Equifax and all of them are dead ends. I want a representative of Equifax to explain to me what information they received from the debt collector and what their reasons are for saying I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: VA
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:
I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found XXXX XXXX was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the XXXX XXXX and was verified. 

I m requesting a full removal of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to pay my walmart store card and the refuse to let me pay it. 
I have tried to contact them via email, website, chat, and telephone. Both Walmart and XXXX XXXX. 
I received the card in novemeber, used it to purchase gifts in XXXX while in the US. 
I have moved to XXXX and on coming here planed to pay the amount due from here, just like with any other company. 
Their website however would only allow me to pay it by checking account, which must be in the usa. I no longer have an account there since I moved here. I then tried to pay walmart via their customer service, but they would not help me and said I needed to contact synchrony, they refused as well to help me. Then I got transfered to 2 more people who told me the same, you are not permitted to pay with a bank account outside of the us or even with a Visa, Mastercard or debit card. 
XXXX, the last person they had me talking to tonight XXXX XXXX, XXXX at XXXX ( XXXX time ) says that she has no other options, they will not take credit card payments for it unless I go to walmart ( which is XXXX miles away ). I had a store card in the past and you could always make online credit card payments. 
I thought I should report this to someone, because I am sure I am not the only person they are doing this to. But it would seem they are trying to make it so people can not pay and then hit you with late fees. Please direct me on how to proceed with this, because I have no idea what else to do, I want to pay my bill, but they just wont let me do it.

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX asking for proof that this account was late during the months that TransUnion is reporting and they sent a response letter stating that I was NEVER late during the months TRANSUNION is reporting to my credit report. I have attached proof of the verified information from XXXX XXXX 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 2018-04-04
Company: NAM National Arbitration and Mediation
State: LA
Product: Debt collection
Sub-product: I do not know
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:
I don't know who this is or what this is all about but I keep getting these phone messages from someone named XXXX from an ( XXXX ) XXXX phone number saying that legal action will be taking place and I will be arrested for so debt I know nothing about. I've never received anything in the mail and this man has contacted my ex-husband.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Midland Credit is a third party debt collector who keeps calling me on my job and harrassing me. The number is XXXX. I have repeatedly asked them to stop calling me on my job. This is the second time and they call my co-workers, asks for my name and get transferred. Then they ask for me and say it is a recording, then another person comes on the phone and asks me to verify who i am so i ask them to verify who they are and they get nasty and say the will not. This is causing me stress and anxiety on my job and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: CO
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 have two late payments on both of my student loan accounts. 

I also have a close Wells Fargo secure credit card account that is charged off and its still on 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 non-monetary relief
Consumer complaint received 2019-07-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
In XXXX ... XX/XX/XXXX ... I paid several debts that I had including this one Im referring to now ... because from all the others theyve corrected my credit report as paid ... now this was not only do they show that I have not paid they after years of not reporting ( since XX/XX/XXXX ) they have started reporting XXXX & XX/XX/XXXX as FAILED TO PAY ... I have called Experian and them XXXX XXXX several times and thru Experian I have filed 3 Disputes with copy of the letter that I payed ... I PAYED .... they claim that I didnt pay to them ... I paid the company they sold the claim to ... its not my fault that they sold the debt and I came back and paid it ... they have no rights to claim a debt they sold and I paid ... nor do they have the right to tstart reporting after not reporting since XX/XX/XXXX and start reporting what is not true in XXXX and XXXX FAILED TO PAY ... MY SCORE HAD GONE UP SINCE XX/XX/XXXX WHEN I PAID ALL THAT I OWED AND BECAUSE OF THEM START REPORTING AND SHOW ME AS NEGATIVE INSTEAD OF PAID ... THIS IS FRAUD!!!

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 2018-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Credit acceptance is saying I owe them {$6300.00} for a vehicle in XX/XX/XXXX that was turned in the the car lot it was purchased from XX/XX/XXXX we finance auto sales. Two week later we finance auto sales closed down and the vehicles that were there vanished. No one knows where the company took the vehicles. I wish I knew so I could sue them for having to owe for something they have

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 2019-07-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017, I received an email from Attorney XXXX XXXX 's law office in XXXX XXXX stating I was a victim of the XXXX Data Breach. 

I checked my Social Security Number and DOB on the Equifax Site and it confirmed my identity and information was breached. 

I am filing a claim and acknowledged my Mass State Atty. general Class Action suit against Equifax and submitted my document to the Massachusetts State Attorney General 's Office In XX/XX/2017 XXXX XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Citicards CBNA has continuously disregarded my consumer rights under the Fair Credit Reporting Act by reporting a fraudulent account to the three major credot bureaus. I tried to fix this directly with them back on XX/XX/XXXX, but they did not repond to my debt vaidation request. 

All I am asking is the following account to be removed from my credit reports, since its a fraudulent account : Citicards CBNA acc # : XXXX. Balance : {$0.00}. Opened : XX/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 explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2018-01-09
Company: SECURITY FINANCE CORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.

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 2019-04-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a letter requesting verification of the debt that was owed. I also requested verification stating that I allowed them to obtain my medical information. It has been more than 60 days and I have not received any correspondence back. Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. The creditor has no contract with MY SIGNATURE on It that shows verification or permission from me to allow my information to be shared. Due to them not being the original creditor, no money is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent two certified request to Portfolio Recovery for a claimed debt owed to XXXX XXXX, however, the only credit card I've had with XXXX XXXX  was settled in full, as it appears on my credit report. I mailed a debt validation letter to them on XX/XX/XXXX which was notarized and certified. Portfolio has neglected to provide validation of this said debt and I would like it removed as a collection from the credit bureaus expeditiously. The only information that have been able to provide is the last four of my social and that this account was opened on XX/XX/XXXX. I demand this debt be removed it has caused my once clean credit report to plummet from " good '' scores to " fair '' scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Nelnet, Inc.
State: NY
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:
Dept Of Ed/Nelnet CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.

Company response to consumer: Closed with explanation