BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: BARCLAYS BANK DELAWARE
State: AP
Product: Credit card
Issue: Other fee

Complaint:
I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.

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 2016-08-31
Company: Mobiloans, LLC
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-29
Company: Bilateral Credit Corp, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

XXXX Account Number XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-08
Company: Highland Capital
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Other

Complaint:
On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: Nudelman, Klemm & Golub, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-25
Company: Accelerated Receivables Management, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX/XXXX/XXXX I received a letter from Accelerated Receivables Management, Inc ( ARM ) attempting to collect {$3900.00} resulting from routine XXXX performed in XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX XXXX of NC XXXX XXXX XXXX, XXXX never filed a claim for this work, but since I was covered, they would pay should they receive a claim. I have explained this to ARM, and even offered to file the claim myself. I have yet to receive a bill or an itemized statement from XXXX or ARM explaining the charges. It is my understanding that XXXX filed bankruptcy, and I am concerned this may be an illicit attempt to profit off discharged debts, if not insurance fraud.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Certegy Holdings, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
After reporting the loss of my debit card to my bank, I had to rely on writing checks while I waited for my new card. I attempted to write a check for {$200.00} at a XXXX XXXX XXXX and the check was declined by Certegy Check Services even though my account balance on any given day is more than four digits in front of the decimal place. In addition, I have never written a bad check. In fact, I don't usually write checks, relying upon my debit card instead. I attempted to contact Certegy to get more information and found they only have an automated system that will not allow you to speak to a human being. The automated system gave me a very vague reason for the decline so I went to their website and received the same vague message ... This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details ... If a company is going to impact my credit score and store information in a credit file regarding my transaction history, I should have been told the specific reason why an adverse action was taken. And while the receipt I received at the Super Market indicates I am able to dispute anything in my file, they do not have an option to do so on their automated system or website.

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 2016-05-05
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial is reporting to the credit bureaus that I owe them {$6600.00} based upon an account that I has with them over 7 years ago. I disputed that balance with the credit bureaus, but the credit bureaus told me that Ally Financial said they think the debt they are reporting is legitimate. I firmly believe that I have no outstanding balance owed to Ally. I have contacted Ally Financial for some time now, requesting that they supply me with a detailed explanation of the charges they are reporting, which constitutes the {$6600.00} balance they are reporting that I owe. They refuse to send that information to me. I believe it is completely unfair for them to continue to report I have an outstanding debt without supplying any sort of explanation of where this balance came from.

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 2017-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 " Portfolio Recov '' calls me daily using a bevy of different phone numbers. I 've read that they are a collection agency. We have absolutely no past due outstanding debt. There is no reason for them to be calling me and I want it to stop! My understanding is they are scammers who try to collect fraudulent debts from unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
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 been disputing this same charge off auto account with both bureaus ( XXXX & Equifax ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. Equifax shows {$3500.00} past due while XXXX shows {$10000.00}. Just a month ago, XXXX   showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, Equifax shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? XXXX is showing Date Last Active XX/XX/2019. The balance is also inconsistent, Equifax is showing {$10000.00} while XXXX is showing {$10000.00}. Equifax doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. XXXX alsways tells me the account is updated as verified and Equifax never sends me a response except for a darn credit report and its getting really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. 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 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing collection, unknown payment status, closed. I am unaware of collection, unknown payment status, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My FICO score from XXXX XXXX XXXX states that one of the key factors affecting my score is " Number of accounts with delinquency. '' XXXX states that they get this information from TransUnion data. I 've spoken with TransUnion on the telephone and have gotten my full credit report from them and they state that there are no accounts with deliquency. TransUnion states that it is the fault of XXXX XXXX XXXX, and XXXX XXXX XXXX faults TransUnion. I want also to file a complaint against XXXX to get this matter resolved.

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 2020-08-18
Company: EQUIFAX, INC.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX  {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I and my brother/partner applied to a mortgage company to refinance our property. We provided information in a timely manner, and responded quickly to follow-up requests for information. The mortgage company said they were having trouble researching title. I repeatedly offered my help if they would describe when the problem was. The mortgage company took weeks and weeks to resolve their issue. Meanwhile our interest rate lock expired and the interest went up and up. I tried repeatedly to offer my assistance. Finally, they agreed to share the issue with me and I was able to make a few phone calls and share a few emails to resolve the issue. There is something very wrong with the process and what happened. Whether outright dishonesty or ineptitude, my brother and I had to pay a huge price due to very avoidable delays ( as I demonstrated in resolving the problem ). We had refinanced the property more than once before, quickly, without any trouble. We were told by other lenders that it would take only a short time to refinance due our excellent credit ratings, solid income and assets, and our long ownership of the property ( 30 years ). We request government help to look into this issue to determine if we were treated in an unfair manner. It is hard for us to reconcile this as a fair business transaction. We feel that we have been served poorly, and possibly, treated criminally. The mortgage and escrow people were all very courteous, but we ca n't understand why the process stretched out so long and we thus were severely financially penalized.

Company response to consumer: Closed with explanation