BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. 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 2018-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I noticed there were interest charges on my credit card account despite the fact that I have until XXXX and XXXX to pay off two credit card transfers which I paid 3 % to transfer. They claim I paid it off early. I called each month and asked how much do I have to pay to not be paying interest and they gave me a figure, I paid that figure and yet kept getting charged interest. Even their own employees didn't know how it worked. I still have until XXXX and XXXX to pay this account off without interest but since they keep charging me interest so I paid it off. They stole my 3 % and charged me interest every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is for a complaint of an account for a report of XXXX dollars missing out of my Citizen 's Green Savings Account. While in the most currant occupation, I managed to open a savings bond for investment holding. The account was linked to the bond but no transaction was made before the money was missing. thus an income by-weekly, a suppliment of income was deterred. I was inflicted, mournful, and dreaded of this mistake. In the prior time i made a report of the money missing to the clerk minutes after and the next week, no call was made to me and no police arrival. after 2 and half years another incident escaladed by another transaction for XXXX which became a close call but made assurance to the neglega of the last incident. I made a call to the FDIC and police to make repamands but still yet, no closure of the incident. 

-Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Miller, Stark, Klein and Associates
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, at XXXX XXXX, I received a phone call from XXXX which was a robocall informing me that they had tried to contact me at my address regarding a complaint filed with their office, but could not contact me. I pressed 1 to be connected to a man who said he we from Miller Stark Associates and that he was attempting to collect on a debt I owed to XXXX XXXX XXXX for {$1000.00}. He knew the last four digits of my SSN and an old address from about 5 years ago. He offered me two payment plans and wanted to know how I would like to pay. I hung up at this time. I contacted XXXX XXXX XXXX who confirmed that I do not have any outstanding balances and that they did not submit anything to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: OK
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:
In Accordance With The Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep getting notices that I have to re-certify my Income Base repayment plan in XX/XX/XXXX. However, when I log into the Federal Student Aid website it says I do not have to re-certify until XX/XX/XXXX. I spoke to a representative at Navient who said I only have to re-certify with the one form on the Federal Student loan website, but she couldn't explain why Navient had one date and the FASA site and my other loan servicer had a completely different re-certify date if I only submitted one form that went to all. 

I am also filing a complaint that Navient doesn't participate in the Public Service Student Loan Forgiveness program that I am already participating in with my other lender. What kind of company doesn't support Public Service employment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Waypoint Resource Group, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX WAYPOINT RESOURCE GROUP ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

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 2023-05-11
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: Reporting company used your report improperly

Complaint:
The Department of Education/XXXX is reporting account inaccuracies across consumer 's Transunion, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but Transunion and XXXX is showing that the account has been late for 90 days. Also, XXXX0 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, XXXX, XXXX, and Transunion written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX COMMISSION FILE NUMBER 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-18
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX, on behalf of JH Portfolio Debt Equities LLC requesting payment on a credit card debt. I called the company on the letter, requesting all documentation including default date, last payment date and any other activity on the account. They would not provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX  has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me. 

Regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was sent a XXXX transfer from an individual on XX/XX/XXXX, the sender was debited, and the bank sent me an email confirming that this amount was sent to me, but it was never credited to my Capital One account. Since then, I have called almost daily with no promised solution to the problem. From my banking application, it displays as " received '', but I was not credited. Being a student has caused me a lot of emotional trauma as I've had to go borrowing, and there is no empathy from the bank and no resolution timeline or possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: DE
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 Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
My personal information was compromised in an equifax data breach. Shortly after, I noticed several hard inquiries that were not authorized by myself and are Fraudulent.I 've initiated a dispute with equifax, I've submitted FTC report along with the supporting documentation to equifax as well as placed a security freeze on the account. Equifax has still refused to remove the hard inquiries. The accounts are ... 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the defective escrow calculations in my mortgage, the lender increased my monthly payments by {$450.00} a month, beyond what I can afford. To correct this problem I am attempting to refinance my mortgage since the six month waiting period mandated by FHA has expired. This refinance is time sensitive as it has to be complete before the lender pays the next property tax bill this month which puts the escrow account into a negative balance. 

To make this happen correctly, I contacted Plaza to get the automatic draft of the mortgage payment from my bank account stopped and the tax payment delayed. I was assured both verbally and in writing that both of those things had been done, yet Plaza still drafted the payment out of my bank account. This has put the brakes on my refinance as it has totally changed the payoff amounts and affected closing costs.

I have been in contact with Plaza several times over the last two days since they did this and am getting nothing but run around. They promise calls back that never come and can not provide any explanation at all as to why they can not just fix their mistake. Their actions, whether spawned out of complete incompetence or being done out of a willful attempt to prevent my refinance so they can continue to collect interest, are going to cost me a substantial amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -Transunion , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted Transunion and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.

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 2020-09-22
Company: D2 Management LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want my credit report unfroze so that I can get two credit cards. XXXX is for XXXX, the other for XXXX. Equifax was impossible to deal with. Primarily, the women on the phones accent is terrible and not understandable. Equifax can continue to freeze once I get the credit approved. 

Resolution : give my credit scores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4digits of my SS card. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Duvera Billing Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account # : XXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been subject to false information affecting my XXXX and XXXX credit report. over the course of six months the debt collection agency LVNV has continued to furnish reports of two closed collection accounts as open accounts, Account ending in XXXX and XXXX have both been previously closed after dispute, however afterwards have been reported as open and " needing attention ''. This has and continues to affect my credit report, this is also illegal, this accounts must now be removed due to violation of the Fair Credit Reporting Act. I have contacted LVNV requesting account validation at which point the agency failed to provide valid validation, I am requesting that LVNV be cited for consumer harassment and deformation of character. i have a current credit report which reflects these said accounts as closed while XXXX and XXXX via Credit both reflect these accounts as open and " needing attention '', again both of these accounts have been closed many times after been disputed and later reported as open by LVNV, this would not be able to happen if the accounts was deleted after been closed, also the with highest said balance was also deleted from XXXX and later reported as open the same account reflects as deleted on my XXXX credit report

Company response to consumer: Closed with explanation