BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Financial Credit Service, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX   who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: DRS Financial LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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: Account status incorrect

Complaint:
On XX/XX/XXXX I went into a payment arrangement with XXXX XXXX on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.

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 2020-05-09
Company: Nelnet, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, MyGreatLakes has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the Kabbage account on XX/XX/21 and initialed {$6000.00} from XXXX XXXX  to it. They locked my account on XX/XX/21 and also withdrew {$6000.00} from my XXXX account. I requested them to return my {$6000.00} to my XXXX XXXX  because I can't log in Kabbage account to transfer it. They said they can't because my account is locked. I asked them to close my account then send me back the balance, they said they can't close my account either because my account has {$6000.00} balance. Their system seems to be in an infinite loop! The system of this bank is very problematic, and the customer service is not professional, which can not solve my problem at all. I have uploaded all the documents they asked to unlock my account, but no one at their bank followed up on my case. I can't use my {$6000.00} fund for almost a month. They should pay me back the interest and the time I lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the XXXX XXXX  XXXX weekend ( XX/XX/XXXX, XX/XX/XXXX ), there were 5 fraudulent transaction at various XXXX XXXX in Georgia in the amounts of {$450.00}, XXXX, XXXX, XXXX, XXXX. I was contacted in the morning on Monday XX/XX/XXXX by XXXX  XXXX  by phone informing me they believed I was a victim of fraud. I confirmed their suspensions that I was not in Georgia nor did I make any of those transactions. They immediately cancelled my XXXX Saving Account Debit and reissued a new card. I then submitted the requested transaction disputes forms by email on XX/XX/XXXX. I received confirmation of the receipt of the forms on XX/XX/XXXX and my claims were being processed. Four weeks later, my funds have not be returned to me nor have the fraudulent charges been removed from my transaction history. When I contact XXXX  XXXX  customer service, they are unable to provide me with any status updates. At this point, the fraudulent charges remain on my transaction history which will be reported incorrectly to the IRS as I didn't receive any services or goods from those transactions. I am unable to get anyone at XXXX  XXXX  to help revolve this issue but rather get a runaround that it is out of their hands because the card is issued by a 3rd party vendor. 
I do not do business with XXXX  XXXX XXXX vendor nor should XXXX  XXXX   customers be obligated to work directly with any 3rd party vendor of the bank. I request CFPB 's assistance in getting this issue resolved before XX/XX/XXXX year end primarily because of the IRS tax implication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XXXX2018 I called Finkelstein, Kern, Steinberg and Cunningham to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled my Macy's/Department Store National Bank ( DSNB ) account in XXXX, that had previously been reported as a Charge Off. 

First off, they are so disorganized over there, that they have reported my Tradeline 3 different ways to each credit bureau, They show me as a {$1400.00} Charge Off with XXXX. 
They show me as a {$1400.00} Charge Off with XXXX, AND erased all my payment history. 
They show me as a Charge Off with {$830.00} Past Due on XXXX. 

HERE IS THE CORRECT INFORMATION, AND HOW THE RECORD SHOULD BE REFLECTED : My Account Status and Balance Are BOTH reported incorrectly on all bureaus : They need to fix this now. I'm attaching proof of the settlement check, It is literally something they can fix in 24 hours. Everything is digital these days. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HERE IS WHAT THE BUREAUS SHOULD SAY : 1 ) ACCOUNT SETTLED IN FULL FOR LESS THAN FULL BALANCE ON XXXX 2 )  BALANCE {$0.00} 3 )  PAST DUE {$0.00}

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.

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 2018-04-24
Company: Velocity Portfolio Group
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Global Trust Management LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Week of XX/XX/XXXX, contacted at work. Asked them not to call my job. 
Week of XX/XX/XXXX, again contacted at work. Told them I have already asked them not to call at work, gave them my cell number to contact after business hours. 
XX/XX/XXXX, contacted by cell at XXXX Again at XXXX Right again after at XXXX And again at XXXX, at which point I answered and told them I couldnt answer at work or Id get in trouble. 
XXXX said shes already tried that and if I dont talk to her they will send my documents to my job for garnishment. I told her I couldnt talk at work or I wouldnt have a check to garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2021, scammer hacked into professors email account and posed a research opportunity. First task did not involve money and appeared legitimate. Second task involved money. Asked to buy 3 gift cards at XXXX worth {$250.00} for the the research companys web fee based subscription online survey task. Money was subsequently used for scammers own benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: United Student Aid (USA) Funds
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/XXXX, United Student Aid debt was clearly discharged in a bankruptcy order. So was XXXX XXXX XXXX. This year, XX/XX/XXXXthey took my Federal & State taxes in the amount of {$830.00} AND last year, XX/XX/XXXXfor {$940.00} totaling {$1700.00}.

After getting a recent offset letter, ( XXXX ) last week, I called the XXXX XXXX who directed me to contact United Student Aid/XXXX, who is the creditor ( XXXX ). I was directed to XXXX XXXX, who I was told services the account. ( When I heard " XXXX XXXX '', I had recalled that XXXX XXXX also recently sent me a letter about this same debt ( ACCT # XXXX ), to which I immediately responded " discharged in bankruptcy '' and provided the docket number. XXXX XXXX asked me to forward a copy of the Order via email, which I did on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX XXXX to follow up and was advised their systems are now showing a XXXX balance. Agent suggested that I follow up with United Student Aid to see what shows up on their end. I called United Student Aid again. XXXX, who now says their systems are not able to see a current balance as this matter is in Bankruptcy. I was now directed to XXXX, which is what Im told, they Bankruptcy department, named XXXX XXXX. They said they see an " active '' bankruptcy, to which I reminded them was NOT active. It actually is a discharged debt that was wrongfully offset from my taxes. I asked about what happens with my money. I received NO ANSWER. I was told that they have to send this out to another " servicer '' and that can take 30-90 days to find out WHO is going to service this. Meanwhile, United Student Aid took 2 years of my taxes AFTER they were clearly discharged. This year for {$830.00}, and last year for {$940.00}, when they weren't supposed to. Also note, that directly after the stay I was receiving collections notices, to which I quickly responded with " in bankruptcy '' along with the docket number. They clearly ignored same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-06-11
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a  year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.

Company response to consumer: Closed with explanation