BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: First Technology Federal Credit Union
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello. I received credit card offer from First Tech credit union to open Choice Rewards Mastercard. This card goes with XXXX XXXX intro APR for balance transfers for 12 billing cycles from the date of 1st transfer. I've opened the card, used it for purchases for {$3100.00} and also made a balance transfer of {$32000.00}. Before 1st statement issued on XXXX I've made payment of {$1000.00} on XX/XX/XXXX. I paid {$2100.00} which should cover all remaining purchases on XX/XX/XXXX. However in new credit card statement there was an interest of XXXX XXXX  applied to not paid purchases of {$990.00}. Interest amount is {$7.00}. The credit union split my 1st payment of {$1000.00} and directed most of it to balance transfer amount of and small part of it to purchases, so {$990.00} remained uncovered. I was told by bank that because my 1st payment was done before statement, it was split and my next payment of {$2100.00} goes only to purchases. It is illegal because according to Credit Card Act of XXXX all payments should go to balances with higher APR, that is to purchases and not to balance transfer with APR XXXX XXXX  Below is answer of bank representative at chat : " The {$2100.00} payment on XX/XX/XXXX went completely to the merchandise balance. The previous payment of {$1000.00} on XX/XX/XXXX was divided with {$32.00} going towards merchandise and {$990.00} towards the balance transfer. The {$1000.00} payment was made before the statement cycled and got distributed with the age of the transactions. '' I requested fee cancellation and directing all my payments towards purchases but have not got any answer online nor from city branch. My requests were ignored. I made 3d payment of {$1600.00} to cover fee, minimum payment and remaining purchases, but credit union again split this amount according to XXXX statement and applied XXXX XXXX interest to {$540.00} of purchases ( {$4.00} XXXX. So it was absolutely incorrect information that they split payment only one time before 1st statement was issued. And bank again failed to comply with Credit Card Act XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a 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 Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce 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 being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: United Collection Bureau, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it. 

I got a loan and payed it off quicker so the VA will reimburse me. 

Can u please give me my points back or repair my credit score to the way it was, please ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROCOLLECT , INC  XXXX   XXXX   XXXX    XXXX   /   XXXX    XXXX   XXXX ,    2014  {$1600.00} -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  This company is reporting a disputed debt on my credit report. I have previously contacted the company and requested verification and validation of debt per my right under the FDCPA secti on 809 ( a ) and ( b ) this com pany refuses to provide. I do not owe this debt! I am demanding proof be sent to me via email  XXXX  XXXX  XXXX . The last  XXXX  of my SSN are  XXXX . Also this company must have a surety bond to collect in my state. I am aware I can file a civil lawsuit and see actual and statutory damages from you and your client. It is a violation of the FCRA to reported a debt on my credit report and not flag it as dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX DID NOT FOLLOW THE LAW. I ASKED FOR ANY ACCOUNT THAT I MAY HAVE BE REMOVED FROM MY CONSUMER REPORT DUE TO THE SIMPLE LAWFUL FACT THAT I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE WRITTEN PERMISSION TO THIS COMPANY TO FURNISH ANYTHING WITH MY SOCIAL SECURITY NUMBER ATTACHED. 

THEY EVEN STATED IN THEIR LETTER THAT THEY HAVE NO COPY OF A SIGNED AGREEMENT WITH ME. THAT IS PROOF THAT THEY CAN NOT VERIFY THIS ACCOUNT. I DO NOT LIVE AT THE ADDRESS MENTIONED IN THOSE DOCUMENTS THEY SENT OVER. THEY ARE COMMITTING FRAUD AND THIS BUREAU IS ALLOWING IT. I AM DISGUSTED AND WILL CONTINUE TO FILE COMPLAINTS DAILY TIL YOU ADHERE TO THE LAW AND SUBMIT TO YOUR FAULTS. 

THEIR DOCUMENT WITH THE CARD AGREEMENT LITERALLY HAS ( XXXX, OH OH ) AS THE ADDRESS! THAT IS FICTITIOUS AND NOT EVEN A REAL JURIRSTICTIONAL ADDRESS IN THIS COUNTRY! 

I HAVE LITERALLY JUST REMOVED OVER 60 ACCOUNTS THAT WERE ATTACHED TO MY XXXX XXXX ACCOUNT BECAUSE MY NAME IS SO COMMON AND I HAD MEN WITH THE EXACT SAME NAME AS ME ON MY PROFILE BUT THEY LIVED IN UTAH AND OTHER VARIOUS PLACES. 

MY SIGNED AND MAILED AFFIDAVIT WAS SENT XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am reaching out for help because recently I sent out letters via certified mail to XXXX Collection located in XXXX Michigan to let them know that theyre in violation of my HIPPA rights. They received my letter XX/XX/XXXX and I received a response in the mail XX/XX/XXXX of statements claiming that I owe {$90.00} and {$140.00}. 
On both statements they include services received which was XX/XX/XXXX XXXX  XXXX XXXX And XX/XX/XXXX XXXX XXXX XXXX complete. 
Within my letter I asked that they provide a copy of my signature with the provider of service to release my medical information to them, XXXX collection failed to do so. 
I also asked them to cease any credit bureau reporting until the debt has been validated by me, which they have also failed to do. 
My privacy was violated in which I am protected by HIPPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In multiple instances, I have attempted to use this card for dinners or for appliances, etc., and the card will trigger fraud alerts. In each instance, the amount of time taken to resolve ends up being excessive to the extent that today I spent almost an hour on the phone with support with this company and was offered XXXX dollars for my time as a " courtesy ''.

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 2019-11-27
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: DISCOVER BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ERC - Enhanced Recovery Company continuously harasses me via phone. I've asked that my number be removed from the list and the next day the calls came in more. I get about 10 to 15 calls a day from them. The most recent call was today XX/XX/2020 at 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 2017-06-11
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received alerts on my credit report from  all (   XXXX  ) credit bureaus  on   XXXX  /2017.Which h as caused my credit scores with   XXXX   XXXX   and   XXXX    to be affe cted.Prohibiting me from poviding adequate housing for my family, as well as being promoted by my employer.I have no contractual obligation to, or with IC SYSTEMS.I demand that this delinquent debt with IC SYSTEMS be deleted/removed from  all (   XXXX  ) credit bureaus.

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 2022-08-26
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter ( 609 ) to the three credit bureaus Equifax, XXXX, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only Equifax saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-26
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX   : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-26
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Arbor Professional Solutions is violating federal laws and have sent me a billing statement with billing errors, see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohl 's XXXX XXXX started calling my cell phone : XXXX on XX/XX/XXXX. 
I saw the first call, went online and noticed I missed my bill due on XX/XX/XXXX. My new payment due was {$150.00} and I scheduled an online payment for XX/XX/XXXX for the entire {$150.00}. 
I received 2 more calls after that payment was scheduled on XX/XX/XXXX at XXXX and XXXX. 
I received another call from Kohl 's on XX/XX/XXXX at XXXX. I went online again and made another payment, this time for just {$19.00} since I had already setup the total due to be made. 
I received a voicemail that night around XXXX. 
With 2 payments now pending in the system for more than my total due, I have received another 2 voicemails and 2 calls each on XX/XX/XXXX and XX/XX/XXXX. 

This must be a FDCPA violation since payment has been made and still I am receiving calls from a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
All debt is obligation of the United States in accordance with 18 U.S.C 8 and being that Ally Financial Inc is attempting to collect a debt from I, the consumer makes them guilty and in violation of False Claims Act ( FCA ) 31 U.S.C 3729-3733.

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