BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX/XXXX. I cant say this more emphatically, I have never had a XXXX/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-10-06
Company: CAPITAL ONE FINANCIAL 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX, I rented a vehicle from XXXX  XXXX  XXXX  in XXXX, CA. I PAID FOR THE rental in advance with my XXXX XXXX XXXX XXXX XXXX XXXX and was charged {$86.00} for the daily rental. when i arrived to pick up the vehicle they asked my for a credit card for the {$200.00} deposit at which i presented my capital one card for that. when i dropped the vehicle off i took pictured of how clean the vehicle was. XXXX has negligently been charging my credit card that only has a {$200.00} limit days and days after the rental, the first few time XXXX somehting in which capital one asked me about and I said i was not aware this. I eventually was charged XXXX i guess the vehicle i rented was out for repossession? anyways i disputed the charge and Capital one said they could nothing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: United Check Recovery, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A guy named XXXX XXXX called my employer saying that he was with United Check Recovery Bureau. He left a voicemail for them telling them that my name & social security number had been flagged & that he needed employment verification in order to finish his legal proceedings over a debt that I owe ( in which I did n't owe ). When I called him, he was rude, called me names & even said that no matter what I say that he would call everyone at my job & everyone in my family to get the money owed to his company. He stated that no laws applied to him & that he was going to continue to call me every day. When I told him that he broke by the law by disclosing my personal information to someone at my job, he laughed & said that he would do it again & again until I stopped being a fraud & pay my debt. He has called my family & he had names of people that I work with in which I never gave to anyone. I think this is a scam because I told him to send me something in writing stating that I owed them and he said that he already had & that he refused to do it again. I have never received anything from these people. I am so upset & I am retaining a lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-09
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
Every year that I request my info, I get denied because they " can't verify your identity '' and only after I file a complaint do I magically receive my info in the mail. If all the major credit reporting agencies can not verify my information, they should not be reporting anything about me. If they can not verify my info then factually they must be giving incorrect and fraudulent information to lending and creditor entities about me. 

This should be illegal to provide false information as fact when I have no say in how corporations take this data received from the credit bureaus. Also, how can I prove my identity if my identity is not enough? Everything they are doing is wrong, and it hurts me because now I don't have access to the information companies are scrutinizing about me.

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 2023-02-01
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I owed {$1800.00} for a termination fee of my old lease. I was told by my landlord to not worry about other payments, but now Im hit with an extra {$1600.00} I do not owe and was verbally told I do not owe. I have emails asking to confirm if its okay from XX/XX/XXXX. I still have no answer. All I have is a debt collector calling me. I went ahead and paid the {$1800.00} last night and they said I can dispute the rest. As I was sent to their senior advisor I was told they will not accept my dispute and they told me why as I told them I can not afford just to pay a straight up {$1600.00} yet again since I just paid the {$1800.00} moments earlier. I was told to this is due to your negligence. You should ask you friends, family, or anyone else you can and see if you can borrow {$1600.00} and pay them back. Because the penalty if they want to come for that is the least of your worries. I then repeated most of that and the lady got mad and told me shes terminating and waving my option to dispute even though she wouldnt let me. Now Im stuck with {$1600.00} I dont owe. No way to hold off the payment and a rude altercation by a debt collector over money I again do not feel like I owe. 

I tried to reach out to them in email and phone call. My company wrote a letter on my behalf and couldnt get a response. And I was locked out of the building twice in the middle of work days to talk further about the {$1800.00} and when I can pay it. I was told to dispute it and I am not allowed too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

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 2017-03-25
Company: Ditech Financial LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Genesis Lending
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.

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 2017-02-16
Company: Citi Management Group, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Left a message on my mother in laws phone threatening legal action against me. No one would give any actual information and the person who left the message, XXXX XXXX, according to XXXX XXXX, is no longer employed there. Called under the guise of City Management Group. They XXXX people 's names and call anyone who shows up as a relative with a public number. They could not reach me because my number is not published but they called my mother in law and left a message because her is.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-30
Company: LHR Inc.
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hello, i 've been trying to contact LHR INC collections agency to settle debts but i have tried XXXX different number i could n't contact them. 
XXXX XXXX XXXX and ( XXXX ) XXXX those are the XXXX numbers contacted. I want to settle this debt and start my credit and my life back. thank you.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-23
Company: Pinnacle Asset Management, LLC
State: MI
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:
XXXX took it off cause I do not owe this it is not my debt to pay I do n't know where it came from I have had only XXXX and now XXXX I do not know what other steps to take it needs to come off my report tried to apply for a mortgage loan to buy a house and they told me about it on my credit report did not know anything g about it till then that was XX/XX/XXXX been fighting it ever since XXXX took it off my report

Company response to consumer: Untimely response
Consumer complaint received 2016-12-13
Company: Collection Consultants of California
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank BB & T truist illegally forced debit money out of my checking account my understanding is that is a force debit which is illegal.

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