BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: Vital Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX  regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report. 

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Medical Data Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a call regarding a medical debt from collection agency : Medical Revenue Service / XXXX XXXX XXXXXXXX/ XXXX, FL XXXX. 
On the first call, the caller was polite ; asked if my spouse ( XXXX XXXX ) had received treatment at the XXXX XXXX XXXX XXXX, and stated there was a debt. [ approximately XX/XX/2022. ] We had received no notice of the debt from the hospital, no contact at all. I explained this to the bill collector and requested an itemized statement. We received Saturday [ XX/XX/2022 ] a statement from Medical Revenue Service which included no itemization and with my spouse 's name garbled. I mailed ( today! first available opportunity [ XX/XX/2022 ] ) a response with our intent to challenge the debt due to the lack of accurate information. Obviously, they have not received that ; we have not had time to make take any action of any kind. 
Today [ XX/XX/2022 ] -- obviously before action could have been taken -- I received a second call. This time the caller was less than polite. She responded with hostility to my statement that we were already mailing a statement of our intent to challenge the bill. She dismissed the name question as 'a typo ' ; she referred to the supposed 'contracted amount ' on a bill we have still never seen ; she appeared indifferent to our failure to receive an itemized bill. 
She characterized my entirely polite response as reflective of a 'bad attitude ' and used it as an excuse to claim my bad faith. SHE THREATENED TO CALL AGAIN to attempt to speak directly to my spouse ( not available for either call ). I DO NOT wish to receive any more of her phone calls ; I want information before we consider our proper course of action regarding the debt. 
I certainly do not find the failure to properly document the debt appropriate. I want an itemized account ; I want to know why a bill of over {$12000.00} was submitted to our insurance company for nothing more than 2 hours sitting in an emergency room and why we never received any contact regarding that bill until a third-part debt collection service was involved.

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 2020-02-28
Company: Sequium Asset Solutions, LLC
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:
The company Sequium Asset Solutions has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them. This account is fraudulent and was made without my consent. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the course of the last month, a variety of individuals from Financial Asset Management Systems based in XXXX, Georgia have called my cellular telephone number more than 100 times from a variety of masked telephone numbers identified as potential spam calls. Each time I have answered, they inform me they are calling to discuss a personal business matter and advise me that before they tell me what the personal business matter is I must confirm for them Personally Identifiable Information ( PII ) such as my date of birth or residence address. When I advise the callers that I will not confirm the PII, they tell me that they will send a letter but can not discuss any information without me first providing the PII. 

I am filing this complaint now because the frequency and insulting nature of these calls continues to increase. First, as of this date I have never received any written correspondence from Financial Asset Management Systems, despite their repeated statements that they have sent such. Today, I received a call from a Financial Asset Management Systems employee who identified herself as XXXX XXXX, who followed the same script as her colleagues in asking that I provide ( confirm ) PII. I advised her I would not and told her that I have repeatedly asked their representatives to send me written correspondence if they believe there is a legitimate matter to discuss with me. She insisted they have, and told me they sent an initial letter that she was looking at in the file. When I told her that I had never received anything and questioned the legitimacy of their inquiry, she decided to add an unwarranted insult by saying that, If youd take care of your personal business matters we wouldnt have to call you every day before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Information belongs to someone else

Complaint:
I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-04-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, XXXX  report showing this unlawful NA under XXXX XXXX XXXX. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Seems all banks practicing the Same practice of XXXX XXXX XXXXXXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. 

Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward.

again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB XXXX XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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:
I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for  which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I returned the items purchased through Klarna and sent confirmation of refund several times. The company has tried to restart the payment plan 3 times! At this point its attempted theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Their investigation did not fix an error on your report

Complaint:
The series of request letters that have been sent to Equifax has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, in the result of that investigation, they stated that they verified that the account belongs to me and is reporting accurately but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. 

Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified that the account belongs to me and is reporting accurately without providing me with the methods of verification ; names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX has removed the account from my credit report while Equifax refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: NY
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:
Equifax states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from Equifax. Equifax sent me a letter asking for copies of my social security card and driver 's license. 

Equifax had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

XXXX XXXX claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as XXXX  retail card services. I have attached their XXXX  page as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX went to Costco with my husband who has a Costco Citi Visa in his name. He attempted to use the Citi Visa but it was declined. 
XX/XX/XXXX returned home to verify that Costco XX/XX/XXXX. bill of {$540.00} had been sent electronically by our bank through bill pay service. Check had cleared. Further, the XX/XX/XXXX. bill due in early XX/XX/XXXX was in process of being paid the precise same manner. Noted that I had paid bill pay and the check paying Citi Visa showed my name ( I have a different last name than husband ) but same address and credit card number was on the bill pay check to Citi Visa. 
XX/XX/XXXX My husband and I called Citi. We explained that we had the cleared check and they told us to send the cleared check to an incorrect PO box in S.D. 
XX/XX/XXXX I mailed the cleared check with an explanation to Citi. 
XX/XX/XXXX My mailed check to Citi was returned with message saying incorrect address XX/XX/XXXX I called Citi and they provided the correct address. For a second time, I mailed check to Citi to the correct address XX/XX/XXXX My husband received a letter ( dated XX/XX/XXXX ) from Citi Visa sayng they had recieved my check, they were holding the money {$540.00}, and asking which account it should be credited to.Also, he was incurring a late penalty. 
XX/XX/XXXX My husband and I again called Citi to explain that check bearing my name, was sent by our bank and intended for my husband 's account. We explained that I have a different last name as my husband but we live at the same address. Again, the bank check had my husband 's card account number on it. The bank said they were holding our money but could not credit my husband 's account unless we sent the form mailed to us. Citi refused to refund the late fee. The XX/XX/XXXX form says we may call Citi directly to explain.On the XX/XX/XXXX phone call, Citi Visa said they were recording our call. My husband said that he would record the call as well ( legal in VA ). Citi said they would hang up if we recorded the call. We did not record as we wanted this issue settled. 
XX/XX/XXXX Mailed the form letter back to Citi again. 
As of XX/XX/XXXX, have not heard from Citi.

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 2019-09-09
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2019 paid off outstanding loan. Check from the escrow company that paid Best Egg on my behalf was {$2600.00} more than loan balance as I had continued to pay my monthly instalments even as my re-finance applicaton was being approved and processed. 
XX/XX/19 I called to confirm my mailing address for Best Egg to send my refund check. 
XX/XX/19 I was told my check had been mailed on XX/XX/19 and returned unopened. Another check would be sent and should be received by me by XX/XX/19. 

XX/XX/19 No check yet. Spoke with XXXX XXXX, Loan Manager, who told me a check had been mailed out on XX/XX/XXXX and if I have not received it then I need to wait for them to find out what happened to that check before they write a third check. Once again I confirmed my mailing address and asked them to send it via registered mail. 

I also sent a registered mail complaint to the CFO of MarletteFunding/Best Egg, asking for a resolution to this problem on XX/XX/19 and I have not heard a thing from either him or a Best Egg representative. 
So my money is being held hostage and nobody seems to have a straight explanation or time span it will take to address this problem.

Company response to consumer: Closed with explanation