BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.

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 2022-04-30
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
I opened a statement in XXXX for this card I havent used in a long time. It had some fraudulent charge from XXXX XXXX for {$42.00} on XXXX. I reported it and initially they refused to send it to the fraud XXXX. It took them months to admit it was fraudulent. Another fraudulent charge appeared on XX/XX/XXXX ( I think ) from XXXX. They refused to investigate that for months and are now just looking into it supposedly. They are sending me to collections and dinging my credit for late fees for two fraudulent charges and now I cant even get someone on the phone for it. Its been a terrible experience.

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 2017-09-26
Company: ECMC GROUP, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company ECMC ( collection company ) reporting negatively on my credit report. I requested proof from them and I also disputed with the credit Bureaus at the same time. The have not sent me any proof of debt with them or any original creditor. They are not registered in the state of CT as a business domestic or foreign. I called the secretary of the state to find out the rights and they let me know. This company does n't have authorization to collect in CT. I 'm not sure who they are at all.

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 2022-04-30
Company: EQUIFAX, 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:
I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

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 2020-01-20
Company: CITIBANK, N.A.
State: GA
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:
Subject - Citi XXXX Preferred Card Per telephone call on XX/XX/2020 - I called company to inform them if i could get a reduced interest rate due to excessive medical expenses due to XXXX XXXX XXXX, and XXXX related medical cost, as i am a senior citizen on a fixed income. I definitely want to repay my debt just wanted some assistance with a interest rate reduction so i can get a handle on the balance owned on this card. 
I could get no assistance on this, and everything was no, with really no explanation.

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 2017-09-26
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: OH
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:
15usc1681a 15usc section 602a 15usc section 604

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 2022-02-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few months ago ( exact date to be provided by Wells Fargo ) a Wells Fargo employee spoke with me and offered a " new '' deferment program which was sold to me as a program to take my past due amount and place it at the end of the loan term in a one time balloon payment. I was told this would put the account in a current status and I could start making my normal monthly payments and move forward. I was very excited at this prospect. I asked questions and never was it explained I could be turned down. I was told I would get a letter confirming and the WF rep read a disclosure which led me to clearly and reasonably believe I was enrolled in the program. 
This led me to make financial decisions for 2+ months with the belief I was going back to current and only had to make the normal monthly mortgage payment due. In a follow up collection call a WF rep was rude, hardnosed and couldn't clearly tell me I was or wasn't in the program, wouldn't be in the program or would be in the program. I never received any mailing about the deferment. 
This led me to be in an even more perilous financial situation which has caused a great deal of stress and health problems. It could all have been avoided if I was told " we will have to see if we can get you approved or if you qualify '' but I was sold the program as if it was a done deal. 
Obviously, this has led to material damage to myself, my health and my financial situation.

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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The inquiry letters from XXXX state applications were placed at XXXX, and XXXX in my name. If doing so I would 've had to present my drivers license. Upon doing so, my name would n't have been submitted incorrectly nor my address. I have already been financing a vehicle since XXXX 2017 from a buy here pay here car lot. So, I had no need to be shopping to finance a vehicle around the dates of XXXX XXXX, and 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 2021-12-06
Company: Recovery One, LLC
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:
XXXX is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX and Equifax have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, and Equifax and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: PA
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:
This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM SPEEDY CASH. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR SPEED CASH. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO SPEED CASH, BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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

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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AES/PHEAA
State: VA
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:
American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of fraud and tried to work with Suntrust to prevent it from happening before charges ever cleared. Suntrust told me they could not help me and I would need to file a claim which has been repeatedly denied. Below is a timeline of what took place. 

XX/XX/2021 I received a call on XXXX XXXX cell phone. ( Hes XXXX XXXX XXXX and I am his caretaker. ) I was on the phone for XXXX hours with XXXX who claimed to be with XXXX fraud department regarding a phone that was supposedly ordered through my account. He wanted to assist me in rectifying the fraud with XXXX and I was instructed to download an app and told they would call back the next morning to finish ( see further details on Suntrust rebuttal form ). 

XX/XX/2021 XXXX from the XXXX fraud dept called back and I asked him to verify his identity and he gave me a number to call. I called XXXX and was told XXXX was with XXXX fraud department. I still felt concerned so I called XXXX directly and they reported they do not have a fraud department and that Id been a victim of a scam. 

At XXXX am, I called Suntrust customer service to report the fraud and asked them to stop the transactions. I gave them all of the numbers that XXXX used to contact me ( included on page XXXX of the Suntrust rebuttal form ) and all of the details. They said that the payments would have to post to my account before the investigation could begin. 

Not happy with that answer, at XXXX on XXXX, I visited the Suntrust branch at XXXX XXXX Highway, XXXX XXXX TN XXXX and spoke with XXXX XXXX, who XXXX the fraud department to report XXXX scam. He provided me case number XXXX in the amount of {$5600.00} and I was told that the case could take up to 10 days to complete. 

XXXX also encouraged me to report this to the FTC. I did that in the afternoon of the XXXX and received report number XXXX. 

XX/XX/2021 I spoke with XXXX at Suntrust who told me not to worry about it and she had escalated it. 

XX/XX/2021 I spoke with XXXX at Suntrust and she said this was not fraud but escalated the case and told me to call back on XX/XX/2021. 

XX/XX/2021 I returned to the XXXX XXXX branch of Suntrust and spoke with XXXX again. He called the fraud department and they said I had to fill out the rebuttal form. 

Later that same day, I returned to the branch and had XXXX fax the 11 page rebuttal to the fraud department. 

XX/XX/2021 at XXXX pm XXXX XXXX with XXXX in the fraud department at Suntrust who said that my card didnt work because my account was frozen on account of the fraud. She also said that the case was under investigation and could take up to 45 days. 

At XXXX the same day, I went back into the Suntrust XXXX again and spoke to XXXX who helped me withdraw the rest of my money and froze the 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 2021-12-06
Company: Penn Credit Corporation
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:
XXXX is continuing to report a collection account that they can not verify after being asked several times. 

penn credit corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I spoke with Barclay credit card about our jet blue credit card and a bait and switch. When we signed up we used the link on the JetBlue site which stated a {$250.00} statement credit and XXXX bonus miles. After signing up and purchasing the over {$1000.00} requirement in the first 90 days, we found out that they had changed the bonus in the terms on conditions to XXXX bonus miles and no statement credit. We would not have signed up if that was the bonus we had followed from jet blue.

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 2021-06-15
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
An account with XXXX XXXX showed up on my credit report for an account with XXXX  XXXX XXXX. I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.

Company response to consumer: Closed with explanation