BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I received a collection notice from Merchants Credit Guide Company. In XXXX or XXXX ... I ended up paying the bill online in full on their website. 
XXXX comes and I have an entry on my credit report from Merchants Credit Guide Company stating I owed them XXXX dollars. 
The amount that they gave me to pay was wrong. If I were told I owed that ... I would have paid it when i paid it online. 
Now I have a collections account on my credit report that I have no idea I owed. 
Never received a phone call or a letter after I initially paid. 

It's not like I knew I owed this extra amount or I would have paid. Was it a website error? 
I am a former employee ... was it done this way on purpose? There are alot of questions and no answers ... .I paid the Bill! 

I know that some people write things like this in order to get out of debt owed! I know I was on the other side of this. But I paid it! I paid the amount in full online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, 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 2016-12-17
Company: U.S. BANCORP
State: NM
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, 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 2015-07-28
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I told then I add no idea of the reason why they keep calling me and try the get some more information from them but they keep calling me everyday early in the morning and late night Trident asset management just won't take no for on answer, I ask the representative to stop calling my phone the person then became very nasty and started using very nasty comments at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have several Medical bills from this company, and I never seen these people in my life. I 've been an ID Theft victim for a long time, and I 'm very upset. These need to come off of my credit too!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt and it is bringing my credit score down. I have no clue what this debt might be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Porania, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All of the following transpired at XXXX XXXX XX/XX/2017 This morning I received and email alert from my account that payment was returned. I immediately contacted them. Was told it was returned as unable to locate my account. I looked and they deleted the payment account information in which I used to pay so the first agent said asked me to verify my last 4 of my payment account and said it was missing a number I asked why I can see this online and he could not answer my question to verify if this was in fact my fault or not. I asked fee to be waived was told no, asked to be transferred to a supervisor and was disconnected in the transfer. I called back but while I was calling them received a call from them to collect payment. The agent DID NOT VERIFY me by date of birth, Social and said I had over balance of XXXX and a late fee with a return fee which I do not. THIS IS A DIRECET violation of FDCPA and will be reporting them to FDCPA also spoke to a supervisor and asked fee be waived she also said she could not verify what account was used for payment ... .so who is lying the agent or the supervisor. I told them all my calls are recorded and I have in fact proven they DO NOT know what they are doing and would pay my entire balance off EXCEPT the {$25.00} returned payment fee and I have done that and now closing account and told them if they report negatively on my credit report will sue and file complaint with FDCPA. Supervisor said in state of Texas they do n't have to identify as attempt to collect a debt, or who is on the phone which FDCPA supercedes state law.

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 2022-02-22
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
it is my understanding that the mortgage company has to provide 30 days notice when changing service providers. However, I received a letter on XX/XX/2022, that FreedomMortgage has transferred the loan effective XX/XX/2022, to XXXX XXXX XXXX XXXX XXXX XXXX. In addition, the letter was dated XX/XX/2022. Since I have ACH/electronic payment scheduled, I may have to pay the mortgage twice.

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 2020-09-26
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX  out balance and am received monthly maintenance fee

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 2022-02-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus XXXX, XXXX, XXXX  Experian. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected immediately.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus Transunion, XXXX, XXXX  XXXX. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Wilber and Associates, P.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: National Management Recovery Corp. (NMRC)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have contacted me repeatedly to the point of changing my phone number three times now, have harassed both of my parents, and my fianc which I have screenshots of as well. Left multiple messages after I have contacted them. They have told my father because they contacted him that is considering me notified, I have been threatened at points which is what caused me changing my number, and completely mistreated. The first picture uploaded is from my mothers camera roll, the second my fiancs, and the third my fathers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2022-02-22
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 XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.

Company response to consumer: Closed with explanation