BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, when my accounts at XXXX were closed, there was an installment loan standby cash attached the checking account, I tried two times both in XXXX of 2022 and again in XXXX of 2022 of paying the balance owed, neither time did they process the payment right. Neither time did it even come thru to my current bank ( XXXX ) - all of a sudden i see this negative account being reported to my credit reports. Ludicrous! I called in TWICE ( 3 times now ) to make this {$86.00} payment or whatever it was. This is madness, I made it and they didnt either take the routing and account # right or whatever they did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has placed a collection on my credit profile claiming that I owe {$600.00} to XXXX. I researched XXXX and they appear to be an insurance company. I have never used that company for insurance. I have reached out to Credit Collection Services 3 times about the issue and they have yet to resolve it. They bought a debt for pennies on the dollar and are trying to make a profit. This company is horrible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This account was removed from all XXXX reporting agencies by your agency help me in the pass. and every year its put on my credit report every year and it has been removed 3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with USAA then they cancelled it. Acct no.XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Capital one is continuing to report an account with XXXX as a charged off account after they issues a XXXX which cancelled/forgave/paid the debt therefore should n't be reported on my XXXX credit file in violation of under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 15 USC 1692e ( 2 ) ( A ). falsely representing the legal status of the alleged debt. A XXXX was issued XXXX XXXX, XXXX cancelling the debt, therefore reporting it should 've been removed within 30 days of issuing the XXXX. Capital One issued a letter dated XXXX/XXXX/XXXX signed by XXXX XXXX to contact them at XXXX if we needed assistance but the Rep for Capital Once ( XXXX Rep # XXXX ) placed me on hold as she researched the account and then comes back and tells me she cant discuss the account over the phone and that she needed my phone for someone to contact me back sometime next week ( I have it recorded and notified her and the previous rep that the call was being recorded ). I notified her that it was a Federal violation to continue to report an account with XXXX after the account was paid/cancelled by the XXXX and she stated that they have the right to report it to the IRS, I replied to her that I know it has to be reported to them and that by Capital One filing a XXXX they discharged/Cancelled the debt to they were violating FDCPA by reporting this account to XXXX a reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2018-05-31
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX phone service for approximately 3 years without ever late. I call XXXX to cancel my service with them on XX/XX/17. When I called I ask the rep how much I need to pay to cancel my service. The rep ask me why I wanted to cancel the service and I explain that I experience a lot of drop calls and that's the reason why am moving my services. he then put me on hold and came back and said I need to pay two separate payment to cancel the service. I proceed to ask why do I need to make two separate payments. he then say that I have to pay the last bill and that they also bill me in advance. I when ahead a make the first payment for {$400.00} and the another for {$180.00}. I was told that was my final bill and I didn't owe anything else. Since I never receive a bill from XXXX or a call from XXXX to say I owe anything else. Low and behold about 2 week ago a collection agencies my the name Diversified a pairs on my credit report. I never was notify by this collection agency prior to placing this item on my credit report. I believe the law states that I should be notify in writing and and allow 30days to respond to the collection agency/creditor to whether I am disputing the item in question. Again neither XXXX nor Diversified never attempt to follow the law. I am request that this Item be remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: Big Picture Loans, LLC
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Yes and Hello I was first approved for a loan for the amount of {$270.00} in XX/XX/XXXX and had to pay a full amount of {$270.00} only in XX/XX/XXXX no interest because it was the due date the XX/XX/XXXX or XX/XX/XXXX of the month. Now i reborrowed in XX/XX/XXXX and was approved for {$250.00} and my due date was XX/XX/XXXX, {$250.00} only no interest if i pay on time. I pay it on time for {$250.00}. Now XX/XX/XXXX come around I reborrowed and was approved for {$250.00} so I accepted it. And when XX/XX/XXXX comes around they said I owe XXXX with interest I said no I just paid my last 2 loans with no interest. I'm not paying so if this go further I will make a complain with your company for Fradulent papers because I pay the last 2 with no interest and damaging credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue take care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

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 2016-08-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My name is XXXX XXXX and I have been a Victim of Identity Theft since XXXX, XXXX and XXXX. I have been working with my credit file and I have also had a freeze on all XXXX credit bureaus so I can monitor my credit what is left. XXXX Barclays Card ending in XXXX is still on my credit file, I have just sent them proof of being a victim in XXXX with IRS. I am asking for them to remove this alleged account from my credit file and I have sent them my police reports showing ID Theft. When I call their company at XXXX on XXXX XXXX XXXX to address this account, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX and XXXX XXXX there is obviously a problem with this account. I am asking for the fraud department to either close the account so it is not on my credit file or send me another credit card.

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 2021-01-02
Company: Certegy Holdings, LLC
State: NC
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:
I went to XXXX XXXX and XXXX XXXX on both days trying to cash a check that was written to receive cash back. The company Certegy Payment Solutions sent me a report back stating that I had return checks on their system which I found out later they did not. They could not even find a report showing that I had cashed any checks. But when I was in the store trying to cash my check the store would not accept the checks - only written for the amount owed. I wanted to get cash back from my checks. For example, If I wrote a check for {$50.00} dollars and wanted {$20.00} back their system would not accept it. The Manager at both stores indicated that they could not tell me why because they did not have any return checks on file. I have a report listing the checks that had cleared and went through their system by Certegy Payment Solutions but no cash back. 

When I tried to ask them why my checks would not clear they could not give me a clear answer and the checks listed are no longer in their system. I have enclosed a copy of this report to you and also copy of the checks I could not write for cash back. 

Please clear this matter up for me, because it is so embarrassing to go into a store trying to write a check for the goods and requesting cash back with both the Manager of XXXX XXXX and XXXX XXXX plus Certegy Payment Solutions not giving back information as to why my checks would not clear for cash back. 

Thank you! 
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 2021-01-02
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Mother stopped service with XXXX XXXX XXXX because of horrible support. She switched carriers. But XXXX XXXX XXXX turned account over to collection. And even turned another account in my name to same collection. 

I mailed Credence Resource Management on XX/XX/2020. And disputed the debt. And I requested on statement that all collection activity be halted for at least thirty calendar days. The certified letter was received on XX/XX/2020. 

However, Credence sent me letter post dated XX/XX/2020. In violation of Fair Credit Collectors Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: GOLDMAN SACHS BANK USA
State: TX
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:
I am currently reaching out to the CFPB for help regarding an account with Goldman Sachs that hat has caused me severe health, economic and XXXX  problems. In XXXX I spend XXXX dollars with Sachs and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with sachs. I reached out to Sachs explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments Sachs promised to reinstate my account. 
This agreement has been breached by Goldman. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but Sachs refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of Goldman Sachs has caused me the opportunity to qualify for a loan that would have saved my business and home. 
Goldsman has shown no mercy and has refused to correct the error. Goldsman has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a derogatory mark on my credit report from an open collections account from Stanislaus Credit Control. I never received any phone calls or letters from them since the account was opened six years ago. For the past month and a half, I have tried calling and e-mailing them multiple times but have not heard back. I would like to settle this debt but am unable to get in contact with them. It is hurting my credit and I want the account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Do not know where this supposed debt originated

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 2017-01-19
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2017 I received a called from I received a call from XXXX from Halstead, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any XXXX. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The automated system is corrupt and customer service wo n't help. Each person with AES that I talk to has a different story. I checked my credit report and clearly they 're ruining my credit while assuring me that everything is fine and dandy. I honestly just wish AES staff would do what they say, hours on the phone and still no where with these people. How can they even be allowed to lend? I XXXX this is a nightmare, I do n't have these problems with my other loans, not one problem. I just paid one off in full, I never had to contact them! Seriously, what 's going on AES? I 'm ready to start writing congress and contacting the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I paid my account in full on XXXX XXXX, 2012. Synchrony Financial is not responding to written request to acknowledge a paid in full status. They continue to bounce my calls through multiple layers of the organization with no substance or response.

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