BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX   credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX   stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX  and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on my car and car needed to be traded for a new car. So i took a new loan for the title. I only owed XXXX and they gave me XXXX. Now my balance is XXXX. The are ripping me off. Can you please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've counted over a dozen phone calls from this company to my personal and work numbers in just two days alone ( XX/XX/18-XX/XX/18 ). They never leave a message so I finally answered today long enough to let them know they can no longer attempt to reach me by phone. I can not receive debt collection calls at work and am worried these calls are jeopardizing my work situation and am appalled someone would call this many times and never leave a single message. I am not sure what this could be in regards to, ( I even checked my credit report today to see if I am missing something which I am not ), but I am more than happy to work out any debt dispute via email or regular mail. 

Calling over and over and over like this, especially when you have to go through a receptionist to get to my direct line, is absolutely harassment and specifically meant to embarrass and intimidate. My next step will be to go to my state attorney general and report abusive collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for Experian. Please update payment status or remove off credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt with a collection company known as united revenue corp was paid on XX/XX/2020. Account was still sold to a different collection company known as XXXX XXXX XXXX claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but XXXX XXXX XXXX still claim their information is accurate when it is not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt resulted from an insurance policy with XXXX XXXX. I had a policy which I had to cancel, however at the time of cancellation, little or no outstanding balances were owed to XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Continental Finance Company, LLC
State: CA
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 didn't receive identify verification from this company

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS

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 2018-03-28
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: MO
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 noticed an unusually large number of unauthorized inquiries on my Equifax, XXXX and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/ 2019. 

It is XX/XX/ 2019. As of today the inquiries have not been blocked per the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and they are reporting on my credit report that I owe a debt from XXXX XXXX XXXX. I have sent them letters certified mail, return receipt asking for signature proof of the debt because I do not believe it is mine. when I write them, they respond with the same form letter, but nothing more, claiming " we are uncertain of what you are specifically disputing '', when I specifically say I want signature proof that I signed for the debt. Which I know I did not ... .They refuse to provide it and continue to report it on my credit. Based on the info they did provide, the debt is over 7-10 years old and while I have purchased computers from XXXX, I always paid by credit card so it was likely ID theft and again, they will not provide what I have asked twice to confirm I owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: NV
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:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or XXXX  credit agencies. I did receive a response from Equifax but they did not resolve all of my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I purchased an item on ebay on XX/XX/20. This item was a pair of shoes purchased as a gift for someone overseas. When the item was received by my friend it was realized that the shoes were the wrong size. Shoes were ordered in size XXXX. The shoes received were size XXXX. It was also later realized that the shoe box had size XXXX printed on it but a sticker was placed over that to cover XXXX with a label that read XXXX. 

I contacted the seller notifying him about this a few times. The seller did not respond. I contacted ebay who recommended that I escalate a case with PayPal. PayPal recommended that I send the shoes back to the seller for a refund. I told PayPal that the shoes were overseas at the time and had to be shipped back from XXXX. I was told by PayPal to send the shoes back to the seller when I received them. PayPal stated that the shoes had to be returned back within a certain time frame. I notified multiple agents at PayPal that due to XXXX international shipping was delayed by many carriers and that I could not send the shoes back to the seller until I received them myself. I contacted PayPal multiple times to keep my case open until I received the shoes back. Each time I contacted PayPal my case was kept open by the agents handling my case. Once I received the shoes I shipped them back to the seller on XX/XX/20 and provided the tracking information to PayPal. 

Now PayPal is stating that the shoes were not sent back within the time frame that they stated. However, I clearly communicated to PayPal agents from the onset that the shoes were in XXXX and that international shipping delays were beyond my control. PayPal was contacted in a timely manner and my situation was communicated very clearly on numerous occasions. I don't understand why every agent I contacted agreed to keep my case open if I was to be told after returning the shoes that I did not return them in time. Now the seller has received the shoes back but PayPal is refusing to provide a refund to me. 

PayPal 's communication has been disjointed and I have been provided contradictory and inaccurate information. If I was to be denied a refund then I should have been told that BEFORE I returned the shoes. However, I was never told that. It is heinously unfair to deny a refund to me AFTER I have already returned the item - especially, when I specifically stated that the shoes were not in my possession to be returned immediately. And, considering that each agent I communicated with kept my case open due to the nature of the situation. 

I followed all guidelines and communicated the situation very clearly. Now PayPal is biased in favor of the seller who sent me the wrong item, tried to cover it up with a label that was different from the actual size of the shoes, and who has not replied to any of my messages on ebay. PayPal has been unethical in their handling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I received a response back from XXXX as well as Transunion stating that there was no update to the accounts in question ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question

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: EQUIFAX, INC.
State: MD
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, US DEPT ED, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged on XXXX of XX/XX/2018 for a transaction on my university that I dont recognize and isnt applied to my university account. I noticed on these days because they wasnt sending my statements as required by law. I call to dispute the charge and discover dont know how to process a dispute, the dont contact the merchant. They do nothing about the dispute. And dont provide the required by law provisional dispute during the investigation. They dont know how to handle disputes, customer service or provisional credits. When I call the representatives ask for old credit cards that was losted, they dont know how to find a transaction or dispute. Im very dissapointed about this credit card. I dont recommend discover. Due to the poor quality of service. Mediocre.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2020-12-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made two payments from my checking account with TD Bank for two credit cards on Friday XX/XX/2020. One payment for XXXX dollars and another payment for XXXX dollars. Then on Sunday night I made a withdrawal of XXXX dollars. Which made the account negative. I accepted the XXXX dollar fee for that transaction. However, I was not aware that the two payments did not go through yet. I now discovered that I was charged XXXX in OD fees. That's outrageous. Especially that I am being charged XXXX dollar fee on a XXXX dollar payment! I called TD bank to try to get a refund and they said that these are the rules and there is nothing they can do. These kind of business practices are suitable for a shady 3rd world credit card company not for a reputable Bank. It is highway robbery. This needs to be publicized and TD bank to be shamed into abandoning such disgusting practices that tramples the average honest consumer. I demand a reversal of these very unfair fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a debt validation in writing (609) letter to the collection Agency Financial Data Systems on XX/XX/XXXX Financial data systems failed to validate the date and they sent me 17 pages of my medical records/files dating back to XXXX. They have violated my civil rights under (HIPPA). I did not give Financial Data Systems permission to have copies of my private medical records nor did I sign a release form or a HIPPA release form to be released to a third party. The medical records that they sent me have private information on them as well as my health insurance information. I do not have a signed contract with Financial Data Systems and they have also sent these private medical records to all three credit bureaus. XXXX, XXXX and XXXX. The debt is $XXXX  dollars.

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