BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris & Harris, Ldt. 
Has been harassing me and calling multiple times a day, stating that they are trying to collect an alleged debt. 
On Thursday XX/XX/2021, I was contacted by an agent, at first, this agent from Harris and Harris ( which at this time, I was not aware that she was actually from Harris and Harris a third party collection agency ) stated that she was calling from XXXX XXXX, and that she was attempting to collect an alleged debt from me, I proceeded to ask if she could send me this information through mail. The Harris and Harris agent 's tone of voice became combative and obscene. The Harris and Harris agent stated that this had been done ; and that this alleged account was now in collections. I then proceeded and asked for a debt validation letter. At this point is when this agent stated that she was from Harris and Harris, a third party collection agency. This agent stated that Harris and Harris could not provide a debt validation for me that I needed to contact the XXXX hospital, that Harris and Harris did not own this bill. I, knowing this information, asked for this agent from Harris and Harris to cease and desist any and all communication with me. 

VIOLATION A Pursuant to ( 15 USC 1692 ) Harris & Harris has violated my right to privacy, as I never contracted with this company, This company has my private information without my consent, I never granted this company permission to have my private information, and medical records. I never granted permission for this company to contact me. This is an infringement upon my consumer 's right to privacy, 15USC 1692, AND HIPAA violation.

VIOLATION B Furthermore, Harris & Harris violated 15 USC 1692 ( e ) and REGULATION F ( 12 CFR 1006.18 ( b ) ( 4 ) ) using false, misleading, deceptive representation. The Harris and Harris agent stated that she was calling from XXXX XXXX which was not correct or true. Misleading me and confusing me to try to collect information and money to pay an alleged debt. I did not have a clear understanding of who I was speaking to, Harris and Harris was misleading and deceptive. 

VIOLATION C Pursuant to 15 USC 1692 ( d ) ( 5 ) and 12 CFR 1006.14 ( B ) -1, Harris and Harris abused and harassed me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

VIOLATION D Harris and Harris violated 12 CFR 1006.14 ( d ) by using obscene and profane language stating that an alleged account was in collections when I simply asked this agent to send this information through mail. 

VIOLATION E I, the consumer, have the right to request validation of a debt, Pursuant to 15 USC 1692 ( g ), and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ) ) Harris and Harris is not honoring my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
This account is a charge off which means the balance is reporting incorrect. I have tried to dispute but it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TD BANK US HOLDING COMPANY
State: GA
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:
The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time. 

From : XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name? 

Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc. 

Sincerely, a customer not satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: SLM CORPORATION
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Right now I am currently dealing with Sallie Mae. I am paying interest-only right now due to the fact that I ca n't pay a normal payment ( they want $ XXXX a month ). This is not an option for me when I have a mortgage, car payments, etc. ( normal bills ). Sallie Mae had told me this is only an option for one year. My year is up in XXXX and I have tried to let them in on the fact that I wo n't be able to pay that amount, and have tried to discuss working with me, so I can pay them SOMETHING, and this is NOT an option I was told. The only options I was given from Sallie Mae was to let my loans go into default ( how is this helping me )?! OR apply for deferment ( if I ca n't pay the payment now this wo n't help any later in my life ). I had told them I could continue paying the amount I pay for interest only, so they were being paid SOMETHING, but they had flat out told me NO! If they will go to great lengths of not helping their customers, and would rather fight for their money when it goes into collections why would n't they take ANY money I am willing to give them WITHOUT all the extra charges?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, 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 have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased a NETSPEND PREPAID XXXX XXXX XXXX AT XXXX ON XX/XX/2021. I tried to activate the NETSPEND XXXX XXXX XXXX, the NETSPEND XXXX XXXX  XXXX, told me toward my Social Security XXXX, Reference Numbers, and Drivers License, and Proof of Address by sending my Utilities Bills , Electric Bill, and Water. 
I was told to Email all the above information to XXXX. 
This information was sent via email. 
However, once all those documents was sent to NETSPEND Customer Service Documents, the employees of NETSPEND were laughing in the background, stated that they were not scribing my NETSPEND XXXX XXXX XXXX to pay Bills, and that they were going to use my information from the email to create fraudulent bank checking accounts, and apply for Fraudulent Passports, and Purchase Cards, and Houses, and Fraudulent Vehicles, and Vehicle Insurance Fraudulent Accounts. And that all United States of America are ignorant and can not protect their citizens from NETSPEND, which is an XXXX 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 2017-04-14
Company: VW Credit
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Volkswagon bought back my XXXX due to the emission scandal on XX/XX/2017 and I was told that they would be paying off my loan to the VW Finance Division within 5 days and that I would be receiving a check for {$1200.00} within 3 days from the buyback appointment. As of today, XX/XX/2017 the check has still not been issued to VW Finance and I gave them the physical address when I called them last week to find out the status and I also asked for a letter stating that I am no longer in possession of the vehicle and needed something stating that the loan has been taken over by VW or i have a XXXX balance so that I can purchase another vehicle and refinance my house. They have told me that they could n't do this and that I need to continue making payments on a vehicle that they have had for almost 3 weeks. The class action lawsuit states that they should have paid off the loan within 5 days of the buyback appointment. According to the representative I am speaking with right now as I file this complaint, there still has not been a checked issued to VW Finance and again I did provide them the physical address for VW Finance. I 've called the claims number over 20 times for other issues pertaining to the VW Scandal and they have been unable to solve the issue. I am currently speaking to XXXX a supervisor in the XXXX claims center. She stated that she did n't have an employee number that i could have and just refer to her as a supervisor in XXXX claims center. So far 35 minutes in my phone call nothing has been accomplished regarding the issues but I learned how to be more patient when been tossed around on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: ALLY FINANCIAL 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 have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.

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 2019-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Navient enrolled me into a repayment program and i was making my scheduled payment however, nothing was credited to my account. Then they took my XXXX and XXXX tax refund for a total of what they stated I owed which was {$13000.00}. Now I'm having my wages garnished because they are saying i still owe {$12000.00}. I have spoken to the collection agency and sent them all my paperwork showing that i have paid. In order to stop the wage garnishment I have to pay 5 payments of {$87.00} on top of the 12 % they are taking out of my check which is over {$600.00} a month. Navient isn't helping me nor is Pioneer credit recovery. Neither company is showing any of the payments from the IRS, past payments or my wage garnishment payments. This isn't right, I can't support my family and I'm on the verge of loosing my apartment and car.

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 2017-04-18
Company: Early Warning Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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 XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX XXXXXXXX  ) Account # XXXX, ( XXXX XXXXXXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of today,  XXXX   XXXX ,    2017, we are still being called by a collection agency called Portfolio Recovery.  They were collecting on an old credit card debt. My husband, in  XXXX  of this year, made an agreement with them to pay them {$250.00} total and the debt would be paid off. Our complaint is that they are still calling us for collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
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 have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are one company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.

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 2023-04-09
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX  was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX  keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation