BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CNG FINANCIAL CORPORATION
State: WY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting per the FCRA 623 and 609, that I be given the original contract bearing the wet signature that opened 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 2020-03-31
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In the month of XX/XX/XXXX, I went shopping to XXXX to buy my mother a gift of {$83.00} for her birthday. The lady who rang me up at the end of the purchase asked if I wanted to apply for a XXXX card and she pressured me to apply. She said if I applied today I would get 15 % off of my purchase and it would help her out with her boss if I did. So I thought it would help her out not knowing it would damage me instead. 

In XXXX of XXXX, it says I have an inquiry at Target because I was trying to take out a credit card as well. I never applied for a credit card there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have completed a five year chapterXXXX bankruptcy plan all payments on time all payments on plan have been paid no missed payments some creditors are on my credit report showing missed an delinqet payments my credit report shows poor credit with derogirtory remarks NEED HELP to resolve this stressful 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 explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Hello- I am currently a credit card account holder with Citibank and previously a savings account owner as well. I called on XX/XX/XXXX to open a high yield savings and was told that I was required to submit an account application subject to review and final decision within 7-10 business days. I was also notified that there will be a soft hit on my credit. 

I have been in banking for 11 years now and have never heard of a deposit product such as savings subject to credit review. I asked to speak to a supervisor to better understand why this was a requirement and he had no valid answer for me other than " that is our account opening process ''. 

Since when is credit pulling a requirement to open a savings account? I am happy to accept this as a process if this is market standard but if Citi is alone in this and is making their own rules, then this sounds like discrimination to 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 2020-03-31
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My doctor sent me to have a XXXX done prior to my XXXX. The doctor that performed my XXXX ordered me to have XXXX done. I gave them my insurance card. 
I do not understand why one year later they sent me to collections. I found out when I checked my credit score. 
I immediately called this collections office and asked what was going on. The lady that answered the phone said they sent me letters in the mail but they were returned. That is not true because I never received anything and I never sent anything back either. She said she was going to send me paperwork in the mail for me to review about the visit. And this was 2 weeks ago XXXX XXXX and I have not received anything. 
I also called the same day the place where they did the XXXX and I told them I had health insurance and I did not understand why they did not bill them. She said it had been longer than a year so they could not do it. But that is not my fault they did not do it. I had health insurance since XXXX XXXX, 2015 and at the time of that service my insurance was paying 80 % and I was responsible for the remaining. 
I have not received anything in the mail explaining to me why they failed to bill my insurance. I have proof I had insurance at the time of service, and it would have been really stupid of me not providing them with that important information when I went there to have a XXXX done. 
If I am requested I can show proof that I have been insured since XXXX 2015 I know I am responsible for 20 % of the debt, and I do agree with it completely. But I am not liable for the whole amount. 
I will pay what I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: DISCOVER BANK
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient ( Sallie Mae Smart Option Student Loans ) is still charging me high interest rates even though the federal prime interest rate is 0 %. The interest to date is at 8.75 % on one loan and over 9.750 % on a second loan during the Covid19 pandemic. They have not made any adjustments to my loans, and I have always paid on time for over several years, never missed a payment and have great credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Debt Management Partners LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013 I paid my debt which was to XXXX however they sold my account to a Debt Management Partners company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or http : //www.dmpcollections.com/. " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
Payment made in the amount of {$1700.00} for Mortgage Payment. Bank returned payment XXXX stating account number inaccurate. Account number was accurate and ACH Department returned payment in error causing 30 day late payment for XX/XX/2022. Bank addressed error but it is still reporting late which is inaccurate. Documentation has been forwarded to credit bureau and late payment is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar Mortgage, LLC D/B/A Mr. Cooper sold my home while I was still in the home XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX Loan # XXXX, XX/XX/XXXX. I received a eviction notice XXXX XXXX and I filed an appeal in XXXX XXXX Court, XX/XX/XXXX. I was illegally convicted and sent to prison XX/XX/XXXX, and got out on probation XX/XX/XXXX. I would be homeless if it was not for the VA. We had a second mortgage with the XXXX XXXX XXXX that was tied to our business XXXX  XXXX XXXX XXXX XXXX We bought a XXXX XXXX XXXX with the money from the second mortgage and the XXXX XXXX has the title , I think, I have not been able to find which dept. has it at this point, but I am in possession of the truck. Mr. Cooper has not got in touch with me nor has they paid me any money or sent any document to me to sign, I have been in the home from XXXX XXXX to XX/XX/XXXX. They has also left an homeowner 's bill with my insurance coXXXX XXXX XXXX I am filing a civil complaint with the circuit court XXXX XXXX Tennessee. Could your dept please investigate this illegal action for me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-09-08
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing a product from someone and they scammed/ frauded me out of {$2500.00} I messaged them many time to get my money back and I had no luck. 

I called my bank to get the money back they said they could not get it back. 

The transaction happened on XX/XX/2022 The persons name was XXXX XXXX and I used XXXX with Schoolsfirst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: BB&T CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company contacted distant relative relating information about the debt owed. Told said relative who they were and why they wanted to locate me. Have requested no contact with 3rd parties previously.

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 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This concerns credit card company Capital One. I have two credit cards with them, both of which they are charging 19.5 % interest on the balances owed. Concerned about reduced income from COVID19 I proactively called them on XX/XX/20 and requested a reduction or suspension of interest accrual for a period of time so that more of the payment I can make can go to paying off the balance versus paying interest. After talking with 3 different people ( Original CSR, their manager and the manager above the manager ) they refused to do anything to help during this crisis. They did not offer to lower the interest rate or defer accrual, they did not offer any no penalty skip a payment option. 

I have called all companies I owe money to and most of these have been quite helpful and proactive in response to the pressures from the economic slowdown of COVID19.  Some have lowered interest rates, some offered no penalty skip a payment option, some have offered the ability to transfer the debt to a lower interest option. This has not been the case with Capital One, who as of today, refuses to do anything to help. 

This is frustrating for a few reasons : first, the costs for any financial company to offer consumer credit are extremely low right now because of the Fed action to lower the prime rate. Second, the position they are taking will only exacerbate the economic meltdown, force people to declare bankruptcy, ruin credit scores that drive the  economy, etc. We all need to come together as a country and do our parts however we can.

Company response to consumer: Closed with explanation