BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a judgement that Velo law office say is a medical debt. They have garnished my wages. I was served a summons in XXXX of 2022 and contacted them asking for copies of said medical bills. They will not give them to me. I have furnished the request both in writing and verbally. They claim that they have never gotten any written communications. I have asked this for months. My employer paid half of this off and I the other half. But they haven't closed the account it still is growing interest and now they are requesting another {$100.00}. I again today asked verbally for the case in its entirety to be sent to me she asked for me to put it in writing and hung up on 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 2016-07-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld Systems Inc. is attempting to collect a debt for XXXX XXXX. I have never rented a car. I have asked for documentation that I rented the car. They have been unable to produce any proof it was me. 

No Proof = No Money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I paid {$500.00} cash ( see attached receipt ) at a XXXX to add {$500.00} to my prepaid American Express Serve card. The money was not uploaded. I have since contacted XXXX card services to verify the money was surrendered to XXXX. I also filed a dispute with American Express Serve in which they pretended to investigate the matter ( without asking for the store or a copy of my receipt or any relevant information ). They then replied that they did not find the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX and XXXX XXXX XXXX reported individual credit card debts on my credit report for seven years. In 2014, they sold each of my accounts to LVNV Funding , LLC and they began reporting on this debt. Is this allowable. I read that a debt has a life expectancy of XXXX years, however this debt has been reported on my report for nearly 10. Furthermore, I 've disputed the debts individually through the credit reporting agencies and I never receive any correspondence, yet the debt remains. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX totaling to {$900.00} were paid to XXXX XXXX XXXX via XXXX deposited to an account they had in Wells Fargo. Turns out the school had closed their account, and the XXXX  that were paid from XXXX of my banks were never returned to me from Wellsfargo. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$260.00} The school confirmed they closed their account, however I was not aware. I've contacted Wellsfargo, however since I don't have an account they say they can not help me. The school went to Wellsfargo and they stated Wellfargo told them they don't know where that money is. I contacted the XXXX, they were not helpful at all. I have been trying to get my money back for months now. I have letters from my banks stating the dates the amounts were debited from my account and credited to the account in Wells Fargo. They even provided trace numbers. I really need help.

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 2022-10-27
Company: Kikoff 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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA Account # XXXX  with Lender : KikOff Lending , LLC, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: BARCLAYS BANK DELAWARE
State: NY
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:
While buying plane tickets with XXXX, a popup appeared to apply for their XXXX card and get a {$250.00} rebate. Nowhere did it say that there would be an annual fee. I bought and used the ticket and was approved for the card. I recently got the statement and noticed that a {$99.00} annual fee had been added to my bill. I called XXXX at XXXX and spoke with rep XXXX and then XXXX XXXX on XX/XX/22 and they stated that I would be charged an annual fee. I let them know that's not what I signed up for and that's not what their offer specified. I also let them know that their offer on line for a barclays XXXX card SAYS there's a " XXXX '' annual fee ( see screenshot ). My card looks exactly the same as the one on line. They stated nothing could be done and I let them know this was bate and switch and I demanded that the annual fee be erased as that's not what I signed up for. They refused. I let them know I would be paying my bill minus the fraudulent {$99.00} fee.

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 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Late payment when it was submitted. Unfair I made the payment on time they did n't pay it on time.

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 2015-10-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent sample letter from CFPB requesting more information about debt since this company has placed a judgement against me. What I received was a letter stating that this my debt for card XXXX, when it was opened by XXXX XXXX XXXX ( never heard of ) and when it was charged off and sold to LVNV funding. They state it is mine because my social security number is associated with this account. Can I have further proof that this is my debt such as a copy of where I signed to get a credit card? If so how do I request it? I have XXXX accounts with XXXX XXXX now XXXX XXXX, and if XXXX XXXX and XXXX XXXX are the same why would they give me more credit if I owed a previous debt to them. How can make sure this is right? LVNV has placed a judgement against me for something I am not sure of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is the second complaint about the issue. The original complaint ID # XXXX. The bank is Old National Bank, and the account number was XXXX. 

I initially tried to close the account in person, but an action reopened it. Then, when I had it closed additional charges came in to reopen the account. After my initial complaint ( ID number provided above ), a representative from the bank called and worked with me over the phone. However, the account is not closed. I received a bank statement XX/XX/2022. I called the bank ( phone number from initial contact ) to state the account is still open and charging fees. It is now XX/XX/2022 and it is over 4 months since I tried to close this account. ] No one has called me back from the bank, nor has anyone actually closed the account as requested since XX/XX/2022.

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 2015-07-28
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Resurgent Capital XXXX XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We feel Financial Freedom ( a division of CIT Bank, N.A. ) neglected to inform us ( during our loan workout effort ) that they are not required to conform to Consumer Financial Protection Bureau ( CFPB ) regulations regarding " Dual Tracking '' in the foreclosure context. Other types of mortgage lenders are not allowed to pursue foreclosure while simultaneously considering delinquent loan mitigation. Because these CFPB " Dual Tracking '' regulations supposedly do not pertain to reverse mortgages, our home was suddenly foreclosed on during the final stage of a " Loan Rescue Program '' through the Step Forward Michigan Hardest-Hit Fund. We were in the " Underwriting '' stage where Step Forward requests default payoff balances from Financial Freedom ( a participating Step Forward partner ) when Financial Freedom proceeded with the unfortunate Sheriff sale to XXXX XXXX for {$120000.00}. 
We know both parties have had communication in regard to our Step Forward Michigan CASE and that the servicer can not start the foreclosure process if loss mitigation is pending, but they did. They should have agreed to a settlement of our {$6300.00} delinquent account, but because of Financial Freedoms noncompliance with CFPB " Dual Tracking '' rules, we lost our home through this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TD BANK US HOLDING COMPANY
State: TX
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 have recurring payments setups submission in month of XXXX to my TD Retail Merchant bank ( www.myonlineaccount.net ) Frequency Is Monthly. But they are saying Recurring payments submission and they did not drafted my payments was not submitted, 2 ) And they reported to XXXX, XXXX, XXXX so in the results of their reported i am not agreed with their outcome.they are unfaily reported my information. And they are not removing my late payments history from their site and not requesting from all other three credit bearue to removing my late payments history which is hurting on my life. So i am requesting you cfpb have them TD Retail Card/ XXXX financing or myonlineaccount.net along with all three credit bearue to removed my late payments history Month of XXXX and Month of XXXX. As soon as possible. And i assuming them i will be always making my payments on or before time.. 

XXXX ) every time i connect with their payments customers support on the phone support mostly they have XXXX speaking ladies and they are very rude in conversation which make my feelings hurt. Which they inaccurately repoted my information to the credit bearue months i m listing below. 

XX/XX/2022 XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: Frost-Arnett Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection agency named Frost Arnet just started reporting a collection account on my credit report for {$2200.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Northland Group Inc
State: PA
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:
I had a outstanding credit card debt with XXXX XXXX. I was contacted by Northland Group XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over two years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted XXXX XXXX and Northland to no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Northland Group Inc
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with XXXX to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XXXX I received a letter from Northland Group ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: IL
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:
Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have XXXX and Experian Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.

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 2022-11-03
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXXXXXX an account like this is showing up on my credit and IT IS NOT MINE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was given ( 2 ) checks to deposit into my checking account. {$20000.00} & {$15000.00}. These checks were written to me by my mother with the same last name. I deposited the {$20000.00} check on XX/XX/21 around XXXX XXXX. I was TOLD that it would be a 2 day hold. I then deposited the {$15000.00} check on Friday XX/XX/21. And again I was told a 2 day hold would be applied. 

HOWEVER, the {$15000.00} check cleared BEFORE the {$20000.00}!! The paying bank shows the {$20000.00} cleared on XX/XX/21, BUT they are still holding my money. I have made several phone calls, most unanswered during business hours and then when I finally get a person all they say is they can not do anything and I need to wait! This is unacceptable ESPECIALLY since the money was taken out of the paying bank the day AFTER I deposited it!! So, now my mothers account is not earning interest and I am not earning interest in my account. I am unable to access the funds for my closing of my house and all Chase bank keeps saying is wait. 

They said that the back office needed to do a rereview!! What was wrong with the first review? Why would they need to do ANY review since the paying bank already sent the money!?!?!? This is not the first time Chase Bank has displayed improper business practices. I have been in contact with their executive office in the past over their jeopardizing my life due to CONTINUOUSLY declining my debit card at gas stations. 

I would like to file a complaint about JP Morgan Chase conducting themselves in an unprofessional manner and having poor business practices and continued prejudice towards me and my accounts and my ability to access MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion shows my closed account with XXXX XXXX Bank ( Opened XX/XX/XXXX-Closed XX/XX/XXXX ) as still having a current past due amount of {$65000.00} and a current amount owed of {$160000.00}. This debt was part of the Chapter XXXX Bankruptcy we went through. It does show at Transunion to be charged off as bad debt but for some reason it still shows as a current liability of mine as well as past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take along medical leave so I was dropped I was in the hospital and can provide medical paper upon request. Company name : Nelnet loan services inc I. The amount of {$3800.00}

Company response to consumer: Closed with explanation