BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX To Whom it May Concern : On the morning of XX/XX/XXXX, I was informed by my mother that Fair Collections and Outsourcing ( FCO ) was trying to reach myself or my wife to collect a debt. The debt in question came from XXXX XXXX. We had previously rented a home from XXXX of XXXX through XXXX of XXXX. We have since bought and sold a home in XXXX and moved to XXXXXXXX XXXX  and have not had any correspondence with XXXX XXXX since XXXX of XXXX. 
We received a certified letter within the legally required 21 days claiming excessive damages, to which we disputed via certified letter and emails to the local office. We never heard back from XXXX XXXX after our dispute, not an email, not a single phone call, not a single letter. 
Given the time we moved out, we were flat out denied a move out inspection, citing an abundance of caution due to the COVID-19 pandemic. We raised our concerns about not having a move out inspection, yet they fell on deaf ears, as the standard COVID-19 excuse seemed to justify their actions. 
FCO now claims, that I owe a {$760.00} in damages, and the burden of proof lies with me and will not provide me documentation until they inform XXXX XXXX that we are disputing the charges. XXXX XXXX will then conduct an investigation on the dispute by revisiting the home in question. A home that my family has not lived in since XXXX of XXXX, a home that received new occupants in XXXX of XXXX. Further, FCO refuses to provide access to any documentation pertaining to the debt collection until XXXX XXXX approves the request.

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 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX and again on XX/XX/2020 I received fraudulent dunning letters from Midland Credit Management ( MCM ) concerning a bill I supposedly owed to " Original Creditor " XXXX XXXX '' -address not shown, bill of {$700.00}. From : On their letter : On their Envelope : " Midland Credit Management No name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX, MN XXXX XXXX fraudulent address of MCM is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/ My letter sent to that address was returned, " Not deliverable as addressed, unable to forward ''. Those letters are signed " XXXX XXXX, Consumer Support Services ''. Probably a non existent person. 

Checking this firm on the web shows another complaint about their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Every time I was having difficulties making payments to this creditor I always communicated my issue and submitted the paperwork required for forbearance or deferment of payments for a period set by the creditor based off my circumstances. While this was often reflected on my credit report, there were few situations where the forbearance was not reported to the credit bureaus and instead was left on my credit report as 30, 60, 90,120 day lates or missed payments. 

I began submitting Disputes with all three credit reporting agencies on every quarter beginning XX/XX/XXXX. 

I employed a credit repair company in XXXX, at great expense, that also conducted credit disputes with all three credit reporting agencies regarding this account on my behalf ( Submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) I wrote goodwill letters to the company Account Manager ( POC ),  Regional manager and CEO requesting the changes be made to my payment history in good faith as I was paying what I could, whenever I could. As a returning XXXX  Veteran of the XXXX XXXX, with the injuries ( physical and psychological ) I sustained during XXXX XXXX XXXX ( XXXX ), I had difficulties in finding gainful employment the first few years after my return to civilian life which made fulfilling my student loan obligations impossible under the circumstances The company then changed internal policy to allow for issuance of post marked forbearance on accounts going back to XXXX of XXXX. I applied for the application of this policy regarding my missed payments and was told that my lates were ineligible because my late/missed payment were too early in XXXX, they were reported before XXXX of XXXX, the limit of where the post dated deferment would apply. 

I PAID IN FULL and closed the account last year under the condition that once the account was paid off that the past disputes I submitted would be addressed and the lates would be removed from my credit report. 

Now that the the account is closed and PAID IN FULL, I no longer have access to the digital correspondence between the company representatives and myself or the confirmation letters of forbearance/deferrment that were provided to make the requested adjustment to my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: KY
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: Other problem getting your report or credit score

Complaint:
I contacted my loan company to get a loan and they informed me that there was potential fraud activity on my credit account and they could not pull any information and to call experian so I did and they informed me that there was not a freeze on my account but since the loan company was unable to pull my account I needed to send in a cover letter with name, address, DOB, SSN, as well as a copy of my SSC and driver 's license either by mail or fax.

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 2015-07-30
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I made a downpayment on a car for my daughter over the phone for {$1100.00}. I faxed the credit card number to the merchantd asking that it be put on my card. The credit card company put it thru as a cash advance and charged me {$50.00} fee plus {$17.00} in interest. I contacted them and told them that I did not authorize it as a cash advance. I have plenty of cash and would never take out a cash advance for anything!. They said that the merchant put it thru as a cash advance and that they could not reverse the fees. I told them this was an unauthorized charge and that I would not pay the fee and that they could close my account. They refused to credit me the unauthorized amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one auto car loan is current and paid in full. But in the Credit Bureau it showing as delinquent. Please fix this asap Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: AL
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:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from AMSHER COLLECTION SYSTEM. I had previously disputed this account. I have never done business with AMSHER COLLECTION SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that AMSHER COLLECTION SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHER COLLECTION SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: WA
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:
On XX/XX/XXXX I made a purchase of {$200.00} at Best Buy to take part in an offer from Citi merchant offers that I enrolled my Citi Simplicity card in. The offer was spend {$200.00} or more at Best Buy and earn {$50.00} and it expired on XX/XX/XXXX. I did not get automatically credit for it so I chatted with a Citi rep on XX/XX/XXXX and was assured that if it does not automatically credit by XXXX statement it would be manually credited by them. I've contacted citi multiple times afterwards through chat and through phone and in all attempts I was given the impression they had no idea what this off is and has ignored my attempt to send in a screenshot of that chat with the Citi rep I had to attempt to figure it out. Therefore I am attaching that screenshot as well as the screenshot of the offer and purchase so they can rightfully credit 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 2022-01-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022. Someone hacked my XXXX  account and ordered tennis shoes XXXX. My credit card was not stored on the XXXX website. I don't know how they got my information. I called PayPal and told them about this, and they said they were going to review this matter. This is not the first time someone has hacked my PayPal credit card. I'm not sure what kind of security measure Pay Pal must help keep confidential information safe, but it is not good that this happens to me more than once with this credit card company. Someone also hacked my regular pay pal account and tried to send money to people I don't even know using a virtual card that I never sign up to use. This company needs to fix their security. I know I am not the only one that has had this issue.

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 2020-01-02
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 am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA 's. On XX/XX/2019, 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 2020-11-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a notice that my account is closing after I deposit a check that is under my Aunts name on XXXX XXXX from chase. I called but couldnt get through and emailed them multiple times and showed proof that my aunt gave me her check with showing her id to them. i finally able to get in contact with their agent and he told me to bring my aunt in to a bank to verify her. I was like okay but my aunt is old and we are in a middle of pandemic and chase lobby isnt open where Im living and its by appointsments only. Im busy so i let it slip and within the next 3 days they just completely shut my account down even though i have XXXX left in my account. Its been a month now and I still have not received my check or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Home depot offers a new card promotion, " {$25.00} off your purchase of $ XXXX, {$50.00} off your purchase of $ XXXX, or {$100.00} off your purchase of $ XXXX ''. 

This is my 2nd time in 5 years I have attempted to sign up for a Home Depot Card where they have tried to hide, limit, or no support their new card offer. The promo code they give you is only sent by mail and if you shred the accompanying letter there is no recourse for the promotion. Online help directs you to phone support. Phone support directs you in store. 

I just want the promotion I was offered to sign up for a new card. There is no reason why I would have signed up for this card other than the promotion offered and now feel as if Home Depot is bait and switching the offer.

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 2022-10-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
medical debt in the amount of XXXX $ was paid for with promise of removal by ARS Account Resolution Services, XXXX XXXX XXXXXXXX XXXX, FL XXXX Payment Mailing Address : Account Resolution Services, XXXX XXXX XXXX, XXXX, OH XXXX Toll Free Phone : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX has removed it immediately, XXXX and XXXX has NOT. 
this is effecting my my credit dramatically!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. 

In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. 
I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. 

Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. 

This account was closed. 
The vendor had no right to make a charge against me. 
The vendor had no right to make a charge against a closed card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a CRRR # XXXX to AmeriFinancial Solutions to the address listed on recorded on XXXX  and XXXX for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. 

On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. 

Under the FDCPA a debt collector must provide proof of such debt. Amerifinancial Solutions has committed several violations by failure to reply and verify these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation