BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent a payment in as I always do. I have been using the   XXXX   XXXX   for years. I do not know why my bill was sent to collections ( that is what I asked them ) When I am sending payments. It went to collections without notice to me. Again I just made a recent payment on this account I have NEVER not paid a bill at   XXXX   XXXX   XXXX   as I said I use them often. When I called Transworld they acted like they did n't even know what they were doing. The guy kept asking me for  a 5 year old address??????? After 20 min. on the phone he then told me he could n't take any payments I do n't know if this company is legit??? I did call   XXXX   XXXX   as well and they told me they do use Transworld but the call to the m was very fishy?? Just a confusing experience. My bal. is  XXXX . I usually get a settlement offer caus e I p ay cash. I made a payment of  XXXX  when I received the first bill. I usually get another bill and I always summit another payment. This time it went Straight to collections after the first payment?????? The first bill was on  XXXX  /  XXXX  /  2017 . The guy I spoke with  at Transworld was very weird. Thank yo u for your service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: HUNTINGTON NATIONAL BANK, THE
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Letter / Contract dated XX/XX/XXXX The Huntington National Bank ( Customer Advocacy Team XXXX ) XXXX XXXX XXXX agreed to accept a settlement of 40 % of the outstanding balance of {$4400.00} which equals {$1700.00} of an old disputed auto loan debt from year XXXX. It was Mutually agreed upon a repayment of one ( 1 ) payment each month for a period of six ( 6 ) months following the date " I '' accept Huntington 's settlement offer. It is STATED, there is NOT a fixed amount due each month, as long as after the six ( 6 ) month period " payments must equal {$1.00}, XXXX. 

My first month payment of {$68.00} was already paid XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from The Huntington National Bank that it is reneging on the agreed ADJUSTED {$1700.00}. This is a farce and/or unfair deceptive business practice by Huntington. I have not yet completed my six ( 6 ) months repayment schedule! 

The Huntington National Bank Recovery Department DOESN'T UNDERSTAND " there is not a fixed amount of Money due each month, " i e, I will make make a {$100.00} payment one month and " different '' payment of {$500.00} another month or {$1000.00} another month. I don't have to pay a same fixed monetary amount every month as long as at the end of six ( 6 ) months the total balance of {$1700.00} is paid in full. It doesn't make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. 
I was the victim of identity theft in XX/XX/2015, the exact time of first late payment on this account. I have proof of the identity theft from XXXX  and XXXX. I have never missed a late payment in my life other than this incident which was only due to identity theft. The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. My charged off account was sold to a collection agency and is still being reported as a charged off acount by bank of america. Please remove this ASAP. I can provide the proof of identity theft upon request.

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 2020-01-01
Company: Experian Information Solutions Inc.
State: CO
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:
Experian Bureau once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The Experian lowered my score ny 19! It was XXXX XXXX XXXX XXXX fault and like I said before Experian did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with XXXX XXXX XXXX is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, Experian lowered the score just because I closed the acct. See attachments. The reason why I closed is because of XXXX XXXX corrupted lies and false 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 explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2015-09-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my credit report I found an entry from a " XXXX XXXX & XXXX ''. on my credit report. On XXXX, I sent a certified letter requesting validation. I have NOT received a valid response. In a letter dated XXXX, I disputed this entry with Equifax. Equifax replied in a letter dated XXXX, that they had " Verified '' thee above entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

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 2016-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continuing problem from my last complaint. My home was foreclosed on by XXXX, but it is being actually pursued by SPS, a servicing company that inherited it ( although there are no documents to support this ) from XXXX. I continue to be jerked around in their loss mitigation process. I submitted the final documents in my application for home retention on XX/XX/XXXX. Since that time, I have followed up with their customer service numerous times, most recently being Friday, XXXX XXXX, XXXX. Even though their website status continued to indicate that I still owed them documents, every conversation with their customer service reps indicated that they had all the documents necessary and were moving my package into status to be reviewed. However, there is a foreclosure sale set for this property for XXXX XXXX, XXXX. As of XXXX XXXX, there was no indication that the lawyer representing SPS had been requested to submit a motion to stay the sale. I called again today, XXXX XXXX, XXXX, and went to the Ombudsman 's office instead of regular customer service. I was told that because a XXXX tax return was missing signatures ( my first time hearing this, and they 've had that document since XXXX ), my package had been closed and denied. When I informed her that I recognized this as yet another runaround, she indicated that the package had " expired on XXXX XXXX, XXXX. '' I asked what that meant, since I had submitted all documents before that date, but they continued to erroneously indicate that some were still missing, and she said that the notes do indicate that I called in and SPS located the documents. She then told me that the lawyer had been notified to file the motion to stay the sale on XXXX/XXXX/XXXX, and that as soon as they got notified that the sale had been stopped, they could reopen my file and actually evaluate it for options. In the past, the attorney has waited until the last minute to file stay motions, and even then, they only ask for 30 days, even though it clearly takes more like 90 days to work through the loss mitigation options, any necessary appeals by me, etc. I 'm about to crack under the stress and pressure. It 's affecting my work, my job and my home life. How can these servicing companies get away with treating customers so poorly and illegally? Will you please intervene as you have before, and insist that they request the stay of the sale, and postpone it for at least 90 to 120 days to give us time to work out any loss mitigation options?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: First Federal Credit Control, Inc.
State: OH
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 spoke with an XXXX representative with a reference ID of XXXX  XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which XXXX   refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXXThe creditor claims they shared the information with XXXX on XX/XX/XXXX. XXXX claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is First Federal Credit Control. Here is their link. https XXXX //www.ffcc.com/ The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to XXXX on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with XXXX. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. 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 2022-07-26
Company: EQUIFAX, INC.
State: MD
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 sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-06-09
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never given a letter or email stating I owed anything to this company. I dont know what the debt is for other than Kay Jewelers XXXX No notifications of what was bought or anything. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: IL
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: Public record information inaccurate

Complaint:
I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a zero percent balance transfer until XXXX 2018. I had my insurance payments charge to this card. I paid these charges off along with the minimum payment each month. I was still charged interest on these charges despite that fact that I paid them off. A representative told me previously that I would not be charged interest if I did this. I spoke to another representative today and she told me that I not only will be charged interest for charges I made, but I would also be charged interest on an additional amount next month that I did not understand. I asked her if they charge interest daily. She said no. But I do n't understand why I am still being charged interest on an amount that I paid off plus more than the minimum monthly payment

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 2017-05-17
Company: EQUIFAX, INC.
State: AK
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:
XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.

Company response to consumer: Closed with explanation