BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An attorney named XXXX XXXX XXXX located in XXXX XXXX, purchased my debt from Sentry Recovery. He sent a summons to sue me for the debt. I obtained an attorney, who has reached out many times attempting to settle out of court. Before obtaining an attorney, I also tried to get in contact with this attorney to see what could be done, and he has never returned any of our phone calls, including those from my attorney. The balance of my debt increases every month, and we can not get ahold of the attorney to discuss options. Based on reviews online and from others we have spoken too, he never answers the phone calls in hopes you will owe him the settlement amount against you from court. This cant be legal, and while it isnt repeatedly calling, a direct attempt of screening phone calls to prevent someone from paying their debt should be. Thank you.

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 2016-03-18
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
i was serve with a complaint by XXXX XXXX credit card ... and was in court yesterday and the attorney claims they are employee of XXXX XXXX,, prior to court services when i was serve i call XXXX XXXX card service to get information for this claim.. and i was told that it was charge off and had been given to attorney network ... but the attorney i asked them are they working on behalf of XXXX XXXX and any money that they receive will it be going to XXXX XXXX or a collecting agency, they stated that they where going to forward it to XXXX XXXX that what they told the mediator ... when we know that not true, in the complaint they stated that a copy of the contract was attached and it was enter into valid consideration and lawful and proper purposes and is legally force able in all respect .. but there is no actual contract submitted, they are trying to say the billing statement is the contract, when i told them i did n't open the account that they are pursuing, that it was open with the intent of me being the authorize user, i never new that my information was being use to be the card owner, unaware because i never had a card until later, the person that open the account had the card in there name later when was given to me, with my name i was told that they added me as the authorize user i could use it but i never did, so a ask if they could show me the contract that i sign, which i never did so i disputed it, the attorney stated in the complaint that the plaintiff and the defendant consented to a sum of the credit balance due, no i never did, in the Affidavit it state they are and employer of XXXX XXXX and have personal knowledge of the matter of how capital creates and maintain certain business books and records including computer records of the customer account authorized by them ... when i myself did n't open that account, so that would be consider hearsay, there no proof or contract to that matter that has my signature, i just checked my credit report it states that it was charge off, so why would capital still be personally pursuing this debt, the attorney is making up anything to collect, so i stated to them that i did n't open this account someone else open this account without my permission, they said they are employers of XXXX XXXX so why cant they come up with and actual contract

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Other

Complaint:
Hi, My friend refereed me for Discover Credit Card and me & my wife jointly applied for the credit card. We XXXX in XXXX 2016 & I hold other bank credit card since XXXX 2016 with good history. But my discover credit card was rejected saying " No long Credit History ''. 

But the person who refereed me + other person from my company got Discover credit card XXXX within 2/3 months, applied to Credit Card & they got it WITHOUT any history of Credit / Credit card. 

It seems either out of discrimination Discover card is not approving my Card OR they are not letting me know the correct reason for not approving my card. I had filled the complain with their call center but not getting any proper answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Winklevoss Exchange LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I opened up an account with Gemini  and applied for a credit card. The account was opened and credit card approved for {$22000.00} on XX/XX/2022. On XX/XX/2022, I emailed support to inquire why my account was now showing as frozen, but my account showed my credit card as available. Support emailed me back with ticket number XXXX stating that my account was under review by the Trust and Security Department. On XX/XX/2022, I logged in and the account showed as frozen but my credit card information was no longer showing. I emailed support again, but did not receive a reply this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to XXXX. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was XXXX and her team name was XXXX. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.

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 2017-01-17
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had an XXXX XXXX credit card with Costco. In XX/XX/2016 Costco switched its card program to being offered by Citibank. At that time I had a {$140.00} balance on my XXXX XXXX card. When I went to pay off that amount online, in XX/XX/XXXX, I found that I could no longer access that account. I opened an account with Citi to continue my patronage of Costco. I was unable to figure out where my XXXX XXXX account went. When trying to contact Citibank I could n't get past their automated phones without providing an account number. In XX/XX/XXXX, I finally received a statement from Citibank letting me know that my account is 5 months without a payment and that it has been sent to collections. At that point the statement had the last XXXX digits of the elusive account on it, and I was able to successfully call and address my account. At that point I explained my story to the customer service lady and paid the {$140.00} balance that carried over from my XXXX. She told me that she would take care of all of the late fees and interest that had accrued, and that I did n't need to worry about the card anymore. Later that month I received another statement that said I still had {$70.00} of interest on my card. I called to address the issue, and ended up having to pay the interest in order to take care of the card and make sure there were no further late payment issues. I talked to Citibank about being able to dispute the account so that it would n't affect my credit, but the customer service rep said that Citibank ca n't do that and it is automatic. I also checked to try to find the reason Citibank did n't contact me for so long, and the email address they had on file was n't any of the email addresses that I own. Apparently it was just a collection of symbols that XXXX gave them for my email address, which is interesting because I had opted out of paper statements with XXXX, and email was my primary form of communication with them. Apparently either XXXX or Citibank had a database issue when transferring my info.

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 2022-04-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my lender SLS grant me a forbearance plan under the COVID-19 guideline. The forbearance period end on XX/XX/XXXX since then I have been trying to obtain help with my lender I requested a loan modification or a repayment plan however lender refused any help instead they approved me for a short sale and that is not an option for me. How can they offer short sale when my loan amount is much less than my property value, something doesnt seem right. Please help or advise me where can I seek for help. Lender sent me a letter that they will soon initiate foreclosure activities

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 2016-12-10
Company: Seterus, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tornado hit my property on XX/XX/2015 in XXXX XXXX, XXXX . XXXX XXXX insurance was there and took prompt care of everything including remitting the initial check. Mortgage Lien Holder ( Seterus Inc. ) was on the check for the claim. Checks were endorsed and sent to XXXX. XXXX has been drawer out for repairs. M House is finally repaired but Seterus claims the house is XXXX % complete due to lost barns not being rebuilt even though they had XXXX authorize no barns have to be rebuilt. The property has plenty of equity, 'followed the procedure documenting funds to be paid back to us ( homeowner ) months ago. Seterus is using other departments ( XXXX ), so called 3rd party companies ( XXXX XXXX ) to hold up payments so contractor can put a lien on property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX hard inquiry from XXXX. reported XX/XX/XXXX credit limit was {$2000.00} balance reported {$1800.00} 92 % of account limit. XX/XX/XXXX, remark removed from account. balance increased by {$130.00}. XX/XX/XXXX {$1900.00} was spent, account under investigation. 




XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XXXX Account under investigation. 



XX/XX/XXXX hard inquiry from XXXX  XXXX no action was taken contacts was lead to nothing. 



This are all false reports on my credit. This are false inquiry accounts opened under my name are false I want them to be fixed/ deleted

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility bill??????????????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Great American Finance Co
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My girlfriend and I financed a washer, dryer and a mini freezer with Great American Finance via XXXX  XXXX XXXX and they told us we had 12 months to pay same as cash but they did not say that if we were late on our payment one time that we would lose that deal and then be charged 30 % interest. My girlfriend who is in charge of the finances was late on 2 payments and so now I am receiving multiple calls per day over a 16 day late bill that I plan in paying this week but most of my payments are going to thr interest now instead of the principal. This is false advertising and complete harassment. I want to sue them for this or at the very least file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Acquired Assets, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, Allen and Associates. Allen and Associates contacted me and I provided my proof of payment. One year later I was contacted by a legal firm, XXXX XXXX threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later XXXX has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

XXXX has also filed a credit default with the credit agencies which is false. 

As XXXX indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently got a copy of my credit report and noticed there are inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these accounts.

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 2020-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA forces consumers into their Pay-Ahead Program at the sole discretion of USAA. When I paid more than the minimum due USAA applied the overpayment to future minimum payments due, thus giving me a balance of {$0.00} on statements. No where on the statement does it indicate that the Pay-Ahead Program is applied or not. I called USAA to opt-out of the program and the representative said they weren't able to do so. I also tried to set-up automatic payments for the minimum due and was told that was also unavailable. The result is that if you overpay the minimum due then you will receive {$0.00} due statements for months which led me to believe it was part of the promotional program where 0 % APR until XX/XX/2021. I was enticed to believe my payments were {$0.00}. Furthermore, the overpayment wasn't applied to principal with an interest charge. I was not told I was in the Pay Ahead Program, I did not ask for it, and when I called the number to opt-out they couldn't do it. Below is language from the USAA agreement. 


Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an 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