BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 I contacted national credit systems inc to pay an old debt. It was from a lease that had been broken bc my life was in danger do to an abusive partner. I had put it off because I had other financial obligations. I went to rent an apartment on XX/XX/2023 and was denied because of this debt soley. So I tried to pay this debt in hopes it would resolve it. Initial contact the girl was nice. But said that they cant provide me with any receipts or proof of payment. That I would get my letter of paid in full via email within 24 hours. I said that wasnt acceptable I need a receipt or some for of proof that I paid. I got her supervisor on the phone and he was rude and aggressive. Told me I should have taken care of this sooner. But no receipts are provided. I said Ill pay online then bc I need to provide something to the apartment complex so I dont loose it. He said thats not his problem and if I pay online it will take 48 hours for the debt to clear. I chose to go online so that I had proof of payment on my end incase anything happened like that guy tried to claim no payment and pocket the money. 24 hours pass and nothing so I call back and Im sent to the supervisor who is nasty and aggressive! Telling me too bad I should have lived my life better. I started yelling bc I was beyond over his trash attitude. Told him if it wasnt resolved in 48 hours Ill contact my cc company bc this is fraud. He started saying go ahead and Ill lie and u will look like a XXXX bc its not been 48 hours. I told him he was a piece of XXXX or something to that affect and is doing this intentionally to hold my credit hostage. Bc I cant get housing without this off my credit report. And then he decides to say he is going to issue a refund. I told him he didnt have the authority to do so. And he kept saying nope thats what Im gon na do! Issue u a refund so u have to start the process all over. I told him I would pursue legal action as he is making fraudulent usage on my credit card without my permission. Last time I checked I used a secure payment source that shouldnt be giving my credit card details to the staff. It has now been 60 hours since I paid this debt and it is still not clearing. My credit card company said they paid out their part but the collection agency seems to be refusing payment. Also note I was paying the account in full. I have lost 3 apartment opportunities now bc of this!!!!! This trash human is ultimately and knowingly and intentionally refusing the paid in full amount bc I hurt his feelings. And he is holding my credit hostage making it impossible for me to secure a place to live and after tomorrow I will be out on the street.bc of national credit systems and the unprofessional behavior by its employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: VA
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 don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit the original debt coming from att uverse though I have never had there service. the current company has told me the verified the debt but that is impossible ( I C system inc )

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 2017-08-08
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, X/X/2017, i contacted Credit Protection Association, L.P. regarding 2 letters I had received from them. This is pertaining to an {$840.00} utility bill i owe. I inquired about settling the account, they said they DO NOT ACCEPT SETTLEMENTS. I offered to set up payments for $ XXXX/month. They advised me that " did not fall in their system as a valid payment arrangement '' and that I " could send that in, but it would still be reported to my credit '' ( which I am in the process of fixing, so that I can purchase my first home for myself, my fiance, and our XXXX daughters ) They provided me ONLY ONE option, that i put down 25 % and can only make 2-3 payments on the remainder. I told them that I CAN NOT afford that ( as I only work part-time and have XXXX children '' -- - they proceeded to tell me that is my only option and that their " system wont allow anything else '' I counter-offered to pay them $ XXXX/month for 8 months. They also stated that " isnt a valid payment arrangement ''?????? I have worked in the collection industry for over 5 years now, and as far as I 'm aware, this is NOT legal, nor is it just. I feel it is absolutely demanding, and that they are refusing to work with the consumer, just to put more money in their bonus checks. I of course, told them I will be in contact, and that I would be consulting with an attorney ( which i already contacted the New York State Attorney General as well )

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 2021-01-26
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. 
Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). 
Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, This is XXXX XXXX, account holder of Bank of America. Unfortunately, without any notification Bank of America closed my account, my credit card and debit card. It took almost two weeks to have access to my account and being able to use the said cards.
It looks easy, but It was not that much easy to re-open my account. At least, 4 or 5 times I went to bank of america.I spent about 90 min each time. At least 2 times I called Bank of America, I talked over phone about 30 minutes each time. I, as a XXXX XXXX and planning to get my XXXX here. I have a limited time. I do n't have any family here to borrow money from. I usually carry about {$50.00} in my pocket. Just put yourself in my shoes. How could I get gas, or buy food to eat, or pay for other stuff? How could I pay my rent? Has Bank of America ever imagined what would the consequence of its action? What if I was on vacation? How could I pay for taxi over there or buy food? Later, I figured out Bank of America need updated documents. I say fair enough, but If you need any updated documents, it is only and only your duty to ask for further documents. How can I find out Bank of America need a document, while the Bank never requested any documents? After re-opening my account, I thought the problem was solved. But I was wrong. Now, I am suffering from two more problems. First, my friend wants to send me money, about {$50.00}. It is not possible anymore. Again it is related to Bank of America. The second problem came up yesterday. It is more painful. I figured out my credit score dropped almost 100 points! why? Because Bank of America needed to update my documents, and but never asked for it by sending a text, an email or letter, or put a voicemail on my phone. Instead, Bank of America decided to close my account, my credit card, my debit card. As a consequence, my credit score dropped 88 points just because Bank of America never asked for a document. Let me explain more about the consequence of Bank of America 's action. I was planning to buy a car, due to my current credit score, it is not possible any more. My credit score was good, now it is not anymore. What should I do now? Do not you think Bank of America is responsible for its deed? I suffered XXXX from your acts too. Do you know how embarrassing is to be on shopping and there you find out that none of your cards are not working? I believe it is fair to compensate the damaged you caused. I expect Bank of America be responsible for what he did. I did complain over phone a few times, but never got ant feedback. Best,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I financed a SUV that was originally {$14000.00} but was told that it should have been {$17000.00}. Then because of my credit score (  XXXX ) I was approved by Exeter Finance for {$20000.00} at 28 % for 72 months ( {$620.00} ). This is a total cost of {$45000.00}. Even though I signed was this legal or was this usury?? The dealership is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
Salesman : XXXX XXXX. 
( XXXX ) XXXX XXXX. Maintenance agreement doesn't state specifics. I guess arbitration will be needed!! I don't even have a loan contract number!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Information belongs to someone else

Complaint:
XXXX  did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX XXXX XXXX  department at XXXX XXXX XXXX XXXX XXXX those XXXX accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings XXXX XXXX XXXX and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Operator XXXX for XXXX bank admitted to using an unknown number because You never answered our calls but you did answer an unknown. XXXX bank has called numerous times in a day including while I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: MS
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:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX I am a 100 % XXXX XXXX XXXX XXXX, from ND. The ID theft occurred in XXXX XXXX, FL XXXX Wells Fargo employee XXXX XXXX, woke me from a nap stating there was suspicious activity on my Wells Fargo acct, there was.. My husband heard the entire conversation on my speaker phone on cell phone. I asked her to verify who she was and rattled off her Employee ID # .Since I was not awake she asked for pin #. I did NOT know I was speaking to scammer, because she said exactly what a WF employees says. 
I asked her how this suspicious activity happened and she said someone scammed me and got my personal from possibly and on-line purchase and probably made a new WF card. She said the acct. was now closed and I would receive a new card. I didn't, it was a scam, and my husband and I feel it was an inside job at Wells Fargo. 
I checked my on-line acct. and she had used the card and stole approximately {$4000.00} throughough XXXX XXXX, FL. I immediately called Wells Fargo consumer ID theft/consumer fraud. We were able to stop over {$1000.00} of the purchases XXXX XXXX ( aka? ) made. The WF rep. told me that Wells Fargo would make a thorough investigation, and I should contact consumer fraud in FL. 
I heard from XXXX XXXX, Senior VP, Claims Assistance Center, shortly I filed the ID theft claim. She DO NOT INVESTIGATE MY CLAIM and quickly closed the claim stating I was at fault and did nothing to assist me find XXXX XXXX or research about whether a WF present or former employee in the XXXX XXXX, FL was scamming people. I believe that this is an inside job, and it represents the financial corruption at WF.

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 2018-03-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to emergency room in 2014. I was misdiognosed given the wrong antibiotics and was back in the ER a month later. I had not recieved a bill from the hospital and found out a collection agency had put every bill on my credit ruining my credit. every year since they total the bill up change names and put it on my credit as a new debt. It went from a {$1000.00} to almost {$10000.00} now. Ive tried disputing this with yet any results from the same credit companies giving away our info. what can do? In the past I paid a debt collector in full 10x the amount of the original bill and it had no effect on my credit It stayed for 7 years. These agencies now are changing names and every year acting as a new bill and adding to each other. I didnt even think medical bills were supposed to damage a persons credit being nobody expects emergencies and noone can afford there bills. One of my bills is {$500.00} for for someone bringing paper towels. one is {$500.00} for someone bringing a towel. I know that is another issue and the towel person has to maintain a luxurius lifestyle while I poor down sweat everyday taking care of a family barely surving, But collections destroying peoples lives by holding a persons lives XXXX and fraudualant tactics of robbing people and giving nothing in return should be dealt with very harshly for the safety of the public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a robo call from Chase bank about " my account. '' I don't have any accounts with Chase. The phone number they used was XXXX. The XXXX prefix is usually XXXX XXXX XXXX cell numbers in Idaho.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 and XX/XX/2021 I enter a contract with XXXX XXXX XXXX XXXX that when they cash my check for payment that they will remove all derogatory items from my credit report from all the credit bureaus that they report to. As of XX/XX/2021, they are still reporting derogatory items on my report. I sent them a certified letter on XX/XX/2021 of breach of contract and they have not responded to my request to remove these negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-11-02
Company: PNC Bank N.A.
State: AZ
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 paid off the 0 % balance transfer promotion on XX/XX/XXXX. I attempted to set up auto pay in my online banking account to pay balance due instead of the minim payment. I was unable to utilize the auto pay option, as the button would not activate. I continued to manually make the minim payment. Through written correspondence they finally set up a debit deduction each month in XXXX of XXXX. However, in the mean time I did overlook making a manual payment over XXXX on XX/XX/XXXX. With out any notification until I was 36 days late, they charged me a {$27.00} late fee, which they have reversed and reimbursed me the {$27.00}. 
I have had several conversations requesting the 30 Day Late Payment be removed from my Credit Report as my Credit Score dropped 50 points, and will stay on my Credit Report seven years! 
When I finally did reach a supervisor who had the authority to remove the Late Payment informed me that since BBVA has merged with PNC, they can not do anything about correcting my issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit agency is listing multiple fraudulent companies that do not exist as my employer. This has caused multiple issues for me regarding background checks and credit inquiries. I have never worked for any of the employers listed in my file. Nor has the credit bereau been able to produce supporting documentation that they have verified the documentation of anyone who has added these false employers to my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice that I had a new collection on my major credit reports from Medical Business Bureau. I initially thought this fraud because I am unaware of any unpaid medical bills in my name. I contacted the collection agency who informed me that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were charging me for a medical procedure I had in XX/XX/XXXX. They claim it is an unpaid balance from my insurance company. However, I never received any bills or calls from XXXX XXXX XXXX XXXX informing me of any debts owed. Its like they skipped contacting me for over 6 months just to send me to collections and try to ruin my credit. I think it is unfair and I want this collection removed from all my credit reports. All they had to do was contact me so that I could check with my insurance and pay if it was actually owed by this just seems fraudulent and misleading and I think this is an unfair practice.

Company response to consumer: Closed with explanation