BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
this company never notified me of this debt or given me the opportunity to dispute it before it hit my credit report. When I moved from the service address XXXX was not available in my new area and I was told no further debt would be owed because they were not able to establish service at my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-24
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act NCB Management Services account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between XXXX consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all XXXX bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my identity stolen and realized there were fraudulent items on my credit report which caused me to fill out identity theft reports ( local police and FTC ) back in XXXX of XXXX. Then I submitted these reports to all 3 major Credit Reporting Agencies which caused them to remove all the fraudulent accounts. This company came back randomly a few months later and put this account back on my reports under the guise of it being a different account than the one that was removed. I contacted them on XX/XX/XXXX via a letter sent certified mail and got no reply or proof of any business we've ever done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2017-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX is calling several times daily to collect on a student loan. However, whenever I speak to them and tell them I am willing to pay, just not the impossible amount they ask for, they dismiss me or tell me too bad I need to pay. I have been referred by them back to citizen 's bank in order to lower a payment, who then refers me right back to XXXX. I have asked many, many times for a payment plan option of any kind to lower payments where I can actually make them, instead being told there is nothing they can do besides collect the full payment. This payment is about XXXX my monthly income, which is not possible for me to pay with other bills I owe. I have asked over and over for any sort of program to work on a payment low enough for me to pay, because again I am willing to pay ( as I 've stated to them ), but the amount they 're asking for is absurdly high relative to my income and they refuse to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Braviant Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
It seems an account was applied for, money received, some payments made and then payments stopped. Now I get notices of amounts due that are very high. I never applied for this loan in the first place! They are claiming to send it to collection and ruin my credit. Loan was done online without my knowledge. Used my bank account too. When I noticed payments coming out of the account I stopped auto payments. Now they claim its past due and are asking for double the amount someone applied for initially! 

I am not paying this loan. 

Filing ID theft report as well. 

Company name they go by is Balance. 

Fraud mixed with exorbitant fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning, my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother, working part-time and my paycheck goes to paying my car note to get to/from work, daycare and other living expenses and this " debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money, when these accounts were opened CB should have, at that time, informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number, at the time of opening the accounts, they could have looked into whether I had accounts with them in the past and informed me accordingly. I feel as though they allowed me to open these accounts under false pretenses in order to be able to " debit '' my account for past monies due when it suited them. Please help me to get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Receivables Management Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying a company called XXXX for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, XXXX received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me XXXX  sold/merged with a company called RMP services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for XXXX  that I had for over a year, this number directed me to RMP services. RMP services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
RMP services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently applied for a government-sponsored travel charge card with US Bank XXXX I received correspondence from US Bank concerning the new account that displayed my full social security number on the visible portion of the envelope. My SSN was printed in full under my name and was visible while in transit.

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 2015-06-26
Company: ERC
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:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX XXXX, I have a checking and savings account with Wells Fargo bank. For the pass several months my checking accounts has been hacked by someone living in the state of California. That person was using XXXX to pay bills. The amount came up to the total of {$200.00}. I filed a claim with the bank so that my money will be returned. The agent that works for Wells Fargo also told me that the account was hacked. The bank gave me a provisional credit for the claim in the amount of {$200.00} while they did the investigation into my checking account. On XX/XX/2022, I received a letter from Wells Fargo bank stating the following : We completed our research into the transaction and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2022, we will deduct the provisional credit of {$200.00} provided to me on XX/XX/2022. The bank knows and saw that my account was hacked from someone in the state of California using XXXX. They asked me if I left my debit card with anyone or gave my account information to anyone. My answer to them was no I did not give my account information to anyone. I live in the state of Florida in the city of XXXX, how could the bank authorized anything coming from California.

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 2016-01-22
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-02
Company: Integrity Asset Partners, Ltd.
State: RI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.

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 2015-04-05
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: ERC
State: SC
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 have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-03
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Im currently in the process of attempting to refinance my current VA mortgage loan but when I spoke with XXXX, they said I had a late payment in XX/XX/2020 affecting my ability to receive favorable rates. Ive had Auto Draft setup since the inception of the loan and have never missed a payment going on five years to include multiple military XXXX XXXX. Somehow, in XX/XX/2020, the auto draft did not process, and I did not catch it until XX/XX/2020, in which I immediately paid on XX/XX/2020 both XXXX and XXXX. I have already verified that my auto draft executed for XX/XX/2020. The customer service representative for Loan Care that I worked with in XX/XX/2020 made a note in the system explaining what had happened, and additionally, had the late payment fee waived because we agreed I was not culpable for the error. Im requesting correction of the payment history as soon as possible so I can continue with the refinancing process and minimize the undue hardship of this error. I have yet to receive a resolution or correspondence from LoanCare. I've had to call multiple times to get an answer from them. They've acknowledged it was mistake on their end but have failed to correct the payment history that's negatively affecting my financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold to another co mpany ( LoanCare ) an d I was surprised to learn they are bumping up my loan by about $  XXXX /month.   They are telling me they have the right to charge a 6 % cushion to cover taxes and insurance. My taxes and insurance have gone up and I realize I need to pay that. How do they have the right to charge an ADDITIONAL 6 % cushion on top of that increase?   I have several home loans and this is the only company that does this. They know what my insurance and taxes are ( at least the the other companies I deal with seem to ) I have been trying for several weeks to get them to let me escrow it myself which I was told by them over the phone would not be a problem. However, they are not responding and are charging me late fees for not paying the ADDITIONAL monies they want.      XXXX   XXXX   XXXX , TX

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