BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collectors at Iq Data International Inc. called from XXXX. They called my employer multiple times back-to-back and disclosed to my employers that they were collecting a debt. They also disclosed that they were looking for my husband. This was for a medical bill after being screwed by covered California. Trust me, if i could pay it I would. They did not need to disclose my debt to my employers. When I tried to talk to them they were extremely rude and combative. This is wrong and unnecessarily caused severe humiliation and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
State: TX
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:
This Macy Charge card still shows on my 3 credit reports. This Macy Charge card has pass it statue limitation to show on my reports.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-11-02
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a single account that is being reported as two accounts to the credit bureaus. In addition, the credit limit and the minimum monthly payments are reported incorrectly. The account has a XXXX limit. One report shows XXXX, another shows XXXX. These errors are causing problems in my home buying process, and Upgrade refuses to give me written documentation clarifying that I only have one account, and that they will fix the errors. The reason they give for this refusal to provide written acknowledgment of my actual account status is privacy issuesdespite the fact that they regularly post documents with similar personal information to my account portal. 

Im at risk of my home mortgage being denied at this point because of this misreporting, which makes it appear as if I have {$1500.00} in min monthly payments due to Upgrade. 

In addition, the truth in lending statement for this account is deceptive. The amount Im actually charged monthly is nearly double the amount shown on the XXXX, despite the actual balance being thousands less than the XXXX statement shows a payment amount for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've spoken with multiple representatives at Capital Accounts based out of XXXX Tennessee and have been told that they will send me something from XXXX heating and cooling outlining the services they claim to have provided me in the amount of {$89.00}. I disputed this debt with them over the phone have yet to receive any information regarding the debt or a time frame in which it will be resolved. Spoke to a supervisor named XXXX XXXX who told me his extension is XXXX who told me that their information is public when requesting the address to verify the company on XXXX. He would not verify the address that I was seeing on XXXX and only explained it was public and kept giving me a XXXX XXXX XXXX is not the address on google. After explaining to him that I'm recording the call he said I never told him that ( which isnt required in Tennessee ) and then decided to laugh about our conversation and push me off the phone as if it was funny. This Supervisor was very rude and seemed like he could not care less about the fact that I've been trying to get to the bottom of this on multiple occasions now with no XXXX on the XXXX and then speaking in a very condescending way to me like he would prefer I remain in suspense about this. This debt is not valid and If this is not rectified in a way that I deem satisfactory I will be suing XXXX and this collection agency, which seems silly given its {$89.00}.

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 2016-01-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a credit card from XXXX XXXX. They sent the card and after I used it, they said they have to close the account because I made a large purchase. The card does NOT have a credit limit so its not like I went over my credit limit. Also, I paid the full balance in full. They are saying that since I ca n't produce tax returns and I made such a large purchase, I have to close the account. However, when I applied for the card, I told them that I just started working in XXXX XXXX. This means that my first tax return would not be produced until XXXX of this year ( XXXX ). I do not think it is fair for me to have a recently opened account being closed on my credit and causing my score to go down. I am prepared to take this complaint as far a I have to in order for justice to be served.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX student loans and was unemployed for quite some time. During my unemployment, I had all of my student loans deferred - or so I thought I did. I received a call stating my student loans were 120+ days in default. I explained my situation and they reinstated my deferment however they will not remove the derogatory marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a car loan with Flagship Credit, If I am one day late on my payment, I start receiving phone calls. I admit, I am behind but I have been diligently trying to get current ( ex - I made a 1 1/2 month payment 4 days ago ). However, since at least XX/XX/2020 - ( I have phone records from this date on ) I have received a MINIMUM of 1 call per day from this company. Some days I receive 2 or 3 on my personal phone. I also receive emails. They also call me at work ( even though I am not allowed to receive calls at work ), they call my family members and friends. The FDCPA clearly states " causing a phone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is not allowed. I feel like I am harassed every single day. My family members are being harassed, not as frequently as I am, but they receive several calls 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 2020-04-10
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX {$600.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.

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 monetary relief
Consumer complaint received 2017-11-03
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened up account with XXXX XXXX in XXXX Arizona I told then nobody was to be on my account I closed my account in around XX/XX/2018 the my ex called had them to put his name on the account on Match XXXX. XXXX XXXX turned it in to a Collection Agency I had to pay the rest if it I paid them over 1000 dollars that was not mine

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 2017-10-13
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Concord Resolution Inc (Closed)
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XXXX XXXX, XXXX, I received a call from Concord Resolutions Phone Number XXXX. They left me a voice mail with a claim number to use when I contact them. I returned their call never using the claim number. Someone by the name XXXX answered and knew exactly who I was. XXXX recited the last XXXX digits of my social security number and what bank I use. XXXX stated to me that this was a call to collect a debt that I had taken out with his client in XXXX XXXX. XXXX also stated that I had a payday loan with his client XXXX XXXX who was now trying to collect. I asked him when did this loan occur because I have no information about a XXXX XXXX. XXXX them proceeded to state that they ( XXXX XXXX ) was a third party company to my original lender. He also said even if you pay your original lender, the third party has to be paid because the loan is generated from numerous lenders. I then asked XXXX who is the original lender. XXXX stated there was no other lender listed but XXXX XXXX. I then said to XXXX if XXXX XXXX is the third party you have to have information on the original lender. XXXX paused, then stated it was not listed. I stated to XXXX anything I do I receive PAID IN FULL letters from the consumer, so who is the original lender. XXXX then said to me to send him all my paid in full letters, him and his supervisor will go through them and find my lender and remove me from there call list. I explained to XXXX I was not sending him or anyone else my private information. If you do not have the information where this originated from there is nothing I can do for you. He paused, stated he understood and claimed he would be talking this matter over with his supervisor and would be giving me a call back on Friday. I asked to speak with the supervisor and that did not happen. After waiting about ten to fifteen minutes from hanging up with XXXX, I called back and the phone just rang with no voice answering machine to leave a message. I then blocked my number and called back ten minutes later and the phone just rang again with no machine stating who you called or any identifying information that represents a company. I then contacted the consumerfinance.gov who lead me to the ftc. XXXX did n't retrieve any important information. I changed my bank account number years ago so they were not successful in gaining access to that. I also found it weird because Concord Resolutions called my home phone number which is n't on any past papers I filled out because I just changed my number last XXXX. Also I always use my cell phone number as my primary because I 'm more reachable. 
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: United Credit and Collections Inc.
State: FL
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 XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose also exposing charged off accounts and late payments to the public Please help me delete all inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
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:
I am a victim of identity theft.

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 2022-09-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Credit Card with Goldman Sachs account has been restricted since around XXXX of XXXX. Every-time I try to contact Customer Service I get told to wait until the review has been completed. Ive submitted my ID and all sorts of documents to prove my identity. This is absurd. My credit card has been unusable for a year now and Ill probably be dead by the time they unlock my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS NOT VERIFIED NOT INVESTIGATED AND HAS FURTHER PURPOSELY AND WILLFULLY WRITTEN DEFAMATORY STATEMENTS AND WRITTEN ILLEGALLY FALSE STATEMENTS UPON AN UNVERIFIED ACCOUNT.THIS COMPANY HAD NOT PROVIDED ANY CONTRACTS WITH SIGNATURES.PLEASE REFER TO PREVIOUS COMPLAINT FILED XX/XX/XXXX WHICH HAS ALL DOCUMENTS.THIS COMPANY HAS BEEN REPORTED FOR TAX FRAUD FOR FILING A FALSE 1099-C FOR A DEBT THAT HAS NOT BEEN VERIFIED AND HAS NOT FOLLOWED FCRA 609. THIS COMPANY HAS PURPOSELY AND WILLFULLY BEEN NEGLIGENT.THIS COMPANY IS TO REMOVE ALL ILLEGALLY REPORTED DEFAMATORY AND CREDIT REPORTING ON UNVERIFIED ACCOUNT IMMEDIATELY AS THEY FAILED TO DO SO SINCE XXXX. THE BOTTOM LINE THIS CORPORATION HAS BEEN REPORTED TO THE INTERNAL REVENUE SERVICE FOR ILLEGALLY FILING A FALSE 1099-C.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: IN
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 XXXX CO 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

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