BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I was trying to check my credit report because I was worried about identity theft ( i had just had one of my credit cards compromised, and copied XXXX. For whatever reason I used Experian -- I guess because they came up high in search results. They tell you it costs {$1.00} to check your credit report, but what I later found out is that they automatically enroll you in a {$23.00} a month credit monitoring service if you use this {$1.00} registration option. I am pretty adept at spotting online trickery when enrolling in things, and never suspected that a company that has my social security number, and maintains massive databases of credit records, would have one of the most deceptive and fraudulent registration forms I have come across in some time. I was unknowingly enrolled in this program, and only noticed after they 'd charged my credit card XXXX twice ). They are refusing to refund all of my money, because they say that I " knowingly '' signed up for their service. Because I called on the day they charged the second payment, they said they could remove that payment, but not the first charge the made a month previous. After XXXX this deceptive practice, you get a lot of results on consumer complaints website about many people being scammed by this. XXXXThere is no way its acceptable for any company to do this kind of deceptive marketing, especially from a credit reporting bureau, who has people coming to its site because they are nervous about identity theft, or any host of other personal credit issues. They should be forced to stop this practice immediately, return all injured parties monies, and seriously investigated to see if this is the kind of company XXXX can trust with holding their social security and personal credit information in online databases. 

I would have attached screen shots of their registration process, but their " fine print '' is below the fold. And in the space where they display the pricing information, they say nothing at all about enrolling you in a program that costs additional money down the road ( you have to scroll all the way to the bottom and read a dense paragraph to figure this out ). Just go to their website XXXX experian.com XXXX and go through the two screens of entering information for your " {$1.00} credit report '' to see what I mean. 

I also called them, and after they deflected my attempts to get a full refund, a manager finally referred me to an email address for customer service request. I 've attached my email correspondence with their " customer service '' reps, which was unsuccessful at any further resolution. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was paying on the balance of several XXXX bills due to XXXX ( XXXX separate XXXX within a period of 4 months, All performed at XXXX XXXX XXXX Hospital in XXXX Ar. ) - I paid on them for over 2 years, Then I was contacted that my payment of {$25.00} was not enough! Shortly afterwards- I XXXX and 5 months later had a XXXX.~ I was off work for quite awhile~ and I tried to get them to work with me~ They did combine XXXX accounts into XXXX, but I could not pay XXXX per month. 
I am single - live alone XXXX XXXX XXXX and the only income I have is made solely by me~ After rent, utilities, etc. there is no way I can pay that amount! 
Since then I do have Medicaid, but I do not qualify for any other type of assistance. 
I got tired of the harassing calls ~ I could not have done anything anyway, the payment plan they set up for me was absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal credit will not handle resolve my XX/XX/2021 {$330.00} purchase dispute and reverse the purchase back to the merchant. The recent statement Paypal has provided to me about my purchase merechant agreement with the merchants return policy is something I have never seen this before/during my purchase with this particular merchant? The merchant is just creating this policy any providing it to PayPal in order to avoid my dispute/return.

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 2016-04-08
Company: Vision Financial Corp.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,

Company response to consumer: Untimely response
Consumer complaint received 2017-01-06
Company: Berco Finance Corp
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I went to XXXX XXXX XXXX and they sold me a car that supposedly was part of a special program that they offer. They told me not to worry about the payment amount and hat the car would have negative equity. that the a was like a loaner car to help us reestablish our credit. we paid for a year and we went back they said that the program that I was talking about does not exist and that the finance manager that helped us is no longer there. If I wanted to trade the vehicle I would have to ay {$6000.00}. we left I called the finance company telling that what had happened and they said sorry so I told them that I do not want he car and for them to come pick it up. 2 months past and on XXXX XXXX I checked my personal bank account the finance company Auto acceptance in XXXX OR took XXXX unauthorized payment form my account. The reason why they have my account information is because I made a one time debit cad payment 3 months ago. They were never authorized to keep my bank information and I never signed anything stating for them to keep my bank information on file. I also checked the car contract and there is nothing stating that they can do anything like what they did and what they did is raud and stole money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2017 I check my account around XXXX, I then got something at XXXX XXXX the next day which was the XXXX I recieved my account with a over draft fee taken out of my direct deposit. I called PNC Bank they said I had a pending charge which was on the XXXX I told them no because my balance inquiry indicated something different on the XXXX and my account was not over drawn as I have proof they basically told me that that did n't matter that my receipt that I got for the balance inquiry was wrong so my question to them is why have ATM if I ca n't get the exact balance. Any other time that I have a pending charge they take the money right out of my account or if I do n't have enough money in the account account is overdrawn it is not left with money in there for me to make another transaction and that is my problem with them. So with PNC my issue is that there ATM does not give accurate balance information and I argued with them and talked with supervisor and they still do n't understand that all transactions need to be reflected in the bank account and to this day I still do n't see that transaction it 's possibly came in on the XXXX of XXXX so I have included a copy screenshot of my account of the transaction in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
cash app issues. company did an illegal money transfer from my active account to my closed account. they won't resolve the issue and keep giving me the run around. I have money in my closed account and they won't let me transfer it to my active account. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.

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 2016-09-26
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything

Company response to consumer: Untimely response
Consumer complaint received 2017-02-02
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: AR Resources, Inc. (FL)
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This is back from 2009 over seven years old. please remove.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the Bankruptcy Court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.

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 2017-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...

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 2016-04-01
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by XXXX, Transunion and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 2022-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thu XXXX XXXX, XXXX, we received a text message from our bank ( USAA ) alerting us of fraud activity on our account. They asked to verify 3x charges. ( click y/n ). 

40 min later, 2x illegal wire transfers were initiated by the criminal and approved by USAA with NO authorization or awareness from myself or my wife. Each wire transfer ( {$5600.00} and {$5500.00} ) were to two different accounts with two different names. 

As of today, XXXX XXXX, XXXX, USAA will not give us any information to the account, account holder or bank to which USAA sent our money NOR will USAA respond to our attempts to get an update. 

The only correspondence I have had with USAA occurred on Thu XXXX XXXX, the day of the illegal wire transfer. A USAA customer service rep told me this was not USAA 's fault, they can not do anything to return our money, and that I should try asking the person the money was wired to return 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 2016-03-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: AUTOMATED RECOVERY SYSTEMS, INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap

Company response to consumer: Untimely response
Consumer complaint received 2017-02-14
Company: Riverwalk Financial Corporation
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.

Company response to consumer: Closed with explanation