BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, So, obviously with the pandemic going on, things have been tough for many people. I know that Congress has contacted banks to tell them to stop charging fees, and one of those banks was my bank, TD Bank. I contacted them on XX/XX/XXXX. The refunded me one of my overdraft fees, but not the other one. Two days ago, I received  another fee and it was a maintenance fee. 

In my honest opinion, I believe that it is incredibly unethical for a company to be continuing to take advantage of it's fee policy while a State of Emergency is going on right now. Many banks have put a hold on charging those fees, but TD Bank has continued to make sure it takes every dollar it can while many people are struggling. Can you please help me? 

Maintenance fees are {$15.00} Overdraft fees are {$35.00} ( if you went into overdraft with one transaction, they charge you an overdraft for for every single transaction until your account is positive again )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a credit alert that that my score dropped 34 points due to two collection accounts reported by IC Systems. After further research, I concluded IC Systems is reporting a MEDICAL DEBT from XXXX XXXX XXXX XXXX XXXX that was sold to them on XX/XX/XXXX. IC Systems has violated the 180-day (  six month ) wait period before a medical bill can be reported to credit bureaus. I believe that is a shady fraudulent reporting tactic on behalf of IC Systems to not label it as a medical collection but a collection/charge-off. The medical collection was {$1400.00} in which IC Systems is illegally reporting two separate balancing of {$1400.00} and {$73.00} which show two collection accounts. To make matters worst the country is coming off lockdown for more than 45 days due to COVID-19 and IC Systems reports two collections prematurely that has impacted my credit scores. That makes me ask did the state of Minnesota deem IC Systems " essential workers '' during this global Pandemic. I have yet to receive correspondence by mail from IC Systems pre COVID-19, during or after. IC Systems is a shady collection agency. 

Account # XXXX {$1400.00} Account # XXXX {$73.00}

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 explanation
Consumer complaint received 2020-05-21
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, my name is XXXX XXXX unfortunately I got laid off from work at XX/XX/XXXX, due to covid19 pandemic and XXXX XXXX sent my card to collection, I got call from company called Gatestone ( what I find out when I asked who is that ) and I was notified that my balance is XXXX. XXXX $ cents ( right now its about XXXX $ ) at what I responded that I have no chance to pay any amount on any of their fake arrangements ( they told me pay XXXX $ min no matter what, thats funny I need to save money for food cuz here no work ), since that time they added like XXXX $ in fees about which they never told me or sent in email, when I asked why my balance goes up all the time they told me we dont know, ask your bank, after what I called bank and they told me that this is collection company responsibility and they cant access account. 
Other problem whats making me mad is their calls, they didnt missed any single day in last 2,5 months without calling me like 2-3 times a day minimum, sometimes when I pick up the phone they dont even saying nothing and just hang up, but when they start speak they trying to get all the info like SSN, DOB and my name before introducing themselves.

2 weeks ago I called them trying to speak to supervisor and find the way to make some kind of arrangements and somehow stop those calls and very first second he started yelling on me and acting arrogant and mad, breaking me while Ive been speaking with him so I didnt got more passions for that and hang up. 
Right now Im still laid off and waiting for my workplace to reopen on next phase ( Resident of Florida ) and any money I have left I need to keep for food AT LEAST, to survive that. 
P.S - photo below its the only one email what they ever sent me, sneaky liars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: GA
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:
There are three accounts on my credit report that reflect comments associated with a bankruptcy that is no longer reflected on my credit. Those comments and negative payment errors need to be removed. Experian added that information back to the status/comment section. Its incorrect/inaccurate and UNVERIFIED and these errors need to be removed immediately. The three accounts continue to removed and re-add to my report. It is false inaccurate information. This is illegal and its tiring to have to continue to call, dispute and file complaints.

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 2020-05-21
Company: Bread Financial Holdings, Inc.
State: MA
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 saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CB/VICSCRT XX/XX/XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: OH
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 have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are Experian, XXXX  and 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 2021-04-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
CITI BANK REFUSED TO SENT ME SECURITY DEPOSIT OF {$200.00} I SIGNED CHECK FRAUD LETTER THAT I NEVER CASHED THAT CHECK ON XX/XX/2019 CHECK # XXXX AND THEY STILL DON'T WANT TO REFUND THE {$200.00}

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 explanation
Consumer complaint received 2020-05-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 AM A XXXX XXXX XXXX XXXX VICTIM OF ID THEFT. XX/XX/2020 I recieved XXXX  Notice of Investigation into USAA ACCOUNT DEBT FTC ID THEFT ( see attatched report ) case XXXX VERIFYING WRITTEN DOCUMENTATION SIGNATURE & XXXX LICENSE TO VERIFY I OPENED THIS ACCOUNT.??? SUDDENLY XX/XX/2020 USAA STOPS VERIFYING ME USING MY INSURANCE DATA SERVICES PROFILE AS THEY HAVE BEEN DOING THE PAST 35 YEARS.?? SUDDENLY USAA DEMANDS MY DRIVERS LICENSE WHAT? HUH? WHY? TO RECOVER A PROFILE ON ACCOUNT I HAVE CONFIRMED I DID NOT OPEN?? VERY SUSPICIOUS USAA. MY COMPLAINT IS USAA IS DEMANDING I RECOVER A PROFILE NOT MY ACCOUNT. I DO NOT TRUST USAA. ( ** HOW SNEAKY JUST AFTER XXXX  WILL BE REQUESTING DOCUMENTATION FROM USAA, USAA REQUESTS DOCUMENTATION FROM ME * THEY HAVE NOT NEEDED PREVIOUSLY?? ) AGAIN WHY WOULD I WANT TO APPEAR I DID OPEN AN ACCOUNT I DID NOT OPEN?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...

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 2023-04-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
i am requesting the original purchase agreement ( ORIGINAL ) that shows you are the legal owner of this alleged debt. please include all terms and conitions that are included in this purchase agreement. Delete XXXX immediately. Thanks for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying bills on my credit report last XX/XX/2022. This included an old electric bill for XXXX to XXXX XXXX. The agency I paid and XXXX XXXX both acknowledged this debt was resolved. In XX/XX/2022, XXXX  debt collector started to appear on my Experian report for the same bill. One of the representatives said they got it in their office in XX/XX/2022. I tried to explain to them that I paid the company that contacted me on behalf of XXXX XXXX. And that XXXX XXXX had acknowledged receipt. XXXX has refused to verify with XXXX XXXX, and so has Experian. I requested a dispute with the results saying the XXXX bill is valid. How!!! Because I know, neither company has verified the facts.

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 2018-10-04
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company is practicing a Predatory Landing in order to get their customer a loan. All my attempts to resolve my issue and asking them not to report my late payments to credit agencies were not heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Credit Inquiries on my XXXX and XXXX Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with Capital One on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND XXXX : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX and XXXX continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked XXXX and XXXX to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that XXXX AND XXXX INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PROFESSIONAL DEBT was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-13
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per the escrow disclosure statement I received dated XX/XX/XXXX, my account showed an erroneous escrow shortage of {$4700.00}, which caused my monthly mortgage payments to increase substantially. This error was due to an anticipated obvious overpayment of my property taxes in XX/XX/XXXX. To address this issue, my attorneys mailed the mortgage servicer, Selene, a Qualified Written Request advising it of its error on XX/XX/XXXX. Wanting to avoid defaulting, I paid the erroneously high mortgage payment of {$3100.00} for XX/XX/XXXX. While not admitting its error, Selene 's response to the Qualified Written Request, dated XX/XX/XXXX, stated that {$650.00} of my XX/XX/XXXX payment was applied to principal and the mortgage statement I received for XX/XX/XXXX showed that the amount due had been adjusted to reflect that my regular monthly mortgage payment due was {$2400.00}, not {$3100.00}. I overpaid in XX/XX/XXXX due to Selene 's error, this overpayment was not due to a desire to pay down principal, and I never agreed to have this amount applied to principal. My attorneys contacted Selene by phone and email on XX/XX/XXXX, and sent a follow up email on XX/XX/XXXX, requesting that the {$650.00} that was applied to principal instead be applied to my next mortgage payment. Selene has not responded to this request and I paid the total amount due for XX/XX/XXXX, with no adjustments made for this overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchant credit Guide located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Phone XXXX is reporting a charge off on my credit report at XXXX Reporting agency in the amount of XXXX. The Original Creditor is XXXX XXXX XXXX. I filed 2 disputes with XXXX requesting the discharge be removed from my credit report as the bill was paid in full directly to XXXX XXXX XXXX, the Original Credit in the amount of XXXX. This information was disputed twice, dispute no. XXXX and dispute no XXXX with XXXX in which Merchant Credit Guide said the account was not paid XXXX and would not delete from my credit report. As a result, my closing date on my new home was postponed due to this outstanding XXXX listed on my credit report. I also contacted Merchant Credit directly reporting that I dont owe XXXX XXXX. Merchant credit guide is a third party collection company and could have called XXXX XXXX to confirm the account information which they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation