BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: ERC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. 
Will you please remove from my Experian report. 
Address XXXX XXXX Address 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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I lost my debit card and requested a new one I received one in the mail and their automated system wont activate it I dont understand I called them to notify them they refuse to help me first time Telling me to go to the bank when their closed and the pandemic covid 19 how can they do this to me when all Im requesting is my card to be activated unbelievable

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 monetary relief
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: CA
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:
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: FISERV INC.
State: MN
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:
Tele Check File Report Tracking Number : XXXX, The following transaction information listed on my Tele Check Consumer Report is fraudulent and unauthorized : Explore XXXX, XX/XX/XXXX, Explore XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-02-05
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX continued its mischievous billing practices on XX/XX/XXXX, {$1300.00}. Referencing attachment, on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX naughtily inflated its billings XXXX XXXX XXXX XXXX and XXXX XXXX respectively. Perpetuating its fraud, stating : WE HAVE FILED YOUR INSURANCE, YOU ARE NOW RESPONSIBLE FOR THE BALANCE OF THIS ACCOUNT and intended harm Quest has yet to bill XXXX  XXXX, {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
J.P. Morgan Chase is foreclosing on my property with an assignment that has been robo-signed and conveyed fraudulently, and refused to restructure the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX from Diaz & Associates stating I owe a XXXX XXXX XXXX an amount of XXXX but were willing to settle the account for XXXX and that I should submit the payment no later than XX/XX/XXXX. Ive never heard of no XXXX XXXX XXXX and every time I try to contact that Diaz & Associates it tells me they are not available at the time. Im on top of my credit and I have not defaulted in any payments but today I checked my credit and this company had the audacity to file a collection on XX/XX/XXXX and I received this letter after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Credit Bureau of Carbon County
State: CO
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:
XXXX XX/XX/2022 I submitted a CFPB complaint about XXXX XXXX XXXX XXXX I sent them a debt validation letter to prove that the alleged debt they say I owe belongs to me and they send me back a bill demanding me to pay and I dont recall any services with this company and Im not even sure how they obtain my medical information without my consent Which is infringement on my consumer report to privacy as well as a consumer violation and a HIPAA violation Which is damaging my reputation as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is scheduled to come out of my checking account on the XXXX of the month and has been since my mortgage started in 2009. It is sent by mail from NY to MD on the XXXX. Allof a sudden it is not getting there before the XXXX, which is their late date and I was charged on 5 occasions at {$110.00} each. Why all of a sudden they are getting there late. One was even posted on the XXXX of the month. We spoke to XXXX, our bank, and they said it should not take 10-12 days to get to Maryland from New York. I did speak to M & T Bank and they did reverse 2 late charges but I feel they should reverse them all. 

They wanted me to let them have access to my XXXX account to pay my mortgage but I do n't want that. I am going to change the date that it comes out of my account or I may send it by mail myself.

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 2018-01-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TD BANK US HOLDING COMPANY
State: CA
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 called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: First National Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received a letter from this company attempting to collect money on an alleged debt that i do not owe. on the top of the letter it has a company logo ( infringement on my rights to privacy per 15usc1692b ( 2 ) and 15usc1692f ). In the letter it threatens to harm my score with the consumer reporting agencies violating 15usc1692d. In return damaging my reputation 15usc1692d ( 1 ). This letter was found to be very obscene to me, asking for payment on a debt that i do not owe. violating my rights under 15usc1692d ( 2 ). can you please help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: BB&T CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have previously complained about my time share payment being delayed intentionally ( reordering transactions ). BB & T has denied delaying ( reordering ) transactions to cause an overdraft. This time, I called the time share finance accounting office, and in addition to stopping automatic check payments asked when the last transaction was submitted. I was told it was submitted XX/XX/XXXX, and it showed up on my banking app as being posted on XX/XX/XXXX. In the meantime, several other transactions were left pending, and then I was charged overdraft fees. 
On another account which is new, I was charged overdraft fees on PIN transactions which if I'm not mistaken, are required to be automatically opted out of overdraft protection, and were not. 

Since BB & T is reading this complaint : Dear BB & T, either refund the overdraft fees and appologize, or I will close all of my accounts. Your response to my last complaint was arrogant and condescending, and you also denied my home mortgage credit application. BB & T is proving to be worthless as a bank, and this is BB & T 's last chance to demonstrate that it also cares about it's customers in addition to making a profit. What I want to resolve this issue is for BB & T to return the overdraft fee for the automatic check payment on my older checking account, and return the PIN overdraft fees on the new account, and do not respond with nonsense about how I had an overdraft fee two years ago so you aren't going to return the fees. Which do you want, the fees or my continued patronage? It's one or the other.

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 2018-01-03
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA

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 2022-11-21
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allied Business Group ( also calls me under the name of XXXX XXXX ) sent a debt collection letter giving me until XX/XX/22 to dispute. The supposed debt amount is {$1700.00}. 

I sent a notarized debt validation request letter on XX/XX/22 via USPS Priority Mail requesting validation amongst other things, and requested they do NOT contact me via phone until validation is sent to me. According to tracking it was delivered to the correct address XX/XX/22. 

They have persistently called and texted under these two names ( same phone number ) and failed to provide validation of this supposed debt within 30 days, or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: P&B Capital Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The loan is beyond the California statute of XXXX years with no actions on my part or collections happening from the original lender. 

The debt was sold to a tertiary collector ( P & B Capital Group LLC ) and when I informed them of this they simply hung up the phone after stating obviously you know your legal rights. 

I had submitted a request to XXXX XXXX to have this removed from my credit report as invalid ( purchased by the agency AFTER expiration of the California statute limit of XXXX years ) and they simply took the statement from the company that it is still valid and refused to modify my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Trident Asset Management, L.L.C.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Last summer sometime around XX/XX/XXXXI began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were Trident Asset Management for {$260.00} and {$200.00}. XXXX XXXX XXXX for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'll keep this short and sweet. 4 times I've tried to dispute my XXXX account due to the terms listed on the loan being incorrect and asked for deletion of my account as a result of this error. The terms listed on the credit report for this account was 74 months and I sent in the signed contract which staed " 72 '' months. I've done this MULTIPLE times and here were the results. 

Dispute completed XX/XX/20 updated from 77 months to 74 months XX/XX/20 remained on report XX/XX/20 updated from 77 months to 74 months Keep in mind I'm sending evidence everytime. Hopefully now a human can look at this error and delete this account. 

All dispute results and contracts are included.

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 2018-01-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the pass few months I have been requesting a payment history do to missing payments that have not been applied. I have requested a payment history several times, instead of receiving the history I have received a foreclosure notice for XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.

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