BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I writing to file a complaint about Amsher Collection Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a debt collector trying to collect a debt in the amount of {$320.00} in which the original creditor is XXXX. I have contacted Amsher Collection Services on XX/XX/2022 and XXXX on XX/XX/2022. 
The problem is this XXXX was opened in the name of XXXX XXXX XXXX XXXX. which is an XXXX corporation but Amsher Collection Service has attached this debt to my personal credit profile. When I contacted them and requested that this account be removed from my credit report. Their representative told me that she didnt know what to do about it and she had to ask a supervisor. She never returned to the call and hung up on me. I called back and was redirected back to the same personal who number went straight to voicemail. I left a message but my call was never returned. When calling XXXX I was a first hung up on when I first tried to resolve this situation but on my second call in for in touch with a representative named XXXX who also agreed that this account was opened in the name of a XXXX corporation and should not be showing on my credit report. He said he made a request that the account be deleted and XXXX would stop all future collection actions for this account. He stated he would give me a callback on XX/XX/2022 at XXXX XXXX. Although, to date I havent heard anything back from XXXX or XXXX. I have disputed this account with all ( 3 ) bureaus but has yet removed this account from my credit report. 
XXXX has to date validated this account as accurate but has failed to explain how being that the account was opened by a corporation using an XXXX number for the business. I have forward a copy of the bill to XXXX in the name of XXXX XXXX, XXXX. along with a copy of a tax filing for the business which was an XXXX form filing to shown that this business is and has always be a corporation. However XXXX once again validated the account as accurate. They and all your help in resolution of this matter is greatly appreciated. 

Thank You, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there actions.

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: ENCORE CAPITAL GROUP INC.
State: MI
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:
MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX ) account with the account number XXXX is being reported inaccurately. The Date of the Last activity is at the year XXXX while the payment history is on XXXX already. This show 's that the company is illegally re-aging this account. Also, you can see at the report that I have attached that XXXX XXXX  XXXX has different statements. Please see this matter and address it immediately. I've already sent a letter to bot the XXXX, XXXX and even MID LAND FUND. They have not completed the investigation of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One failed to send me older statements properly that I requested for divorce hearing. I have tried for 3 months to receive statements. They mailed to wrong address 2 or 3 times but sent bill to my address. They acted like I was the XXXX, every time I called someone would tell me something different. They told me they could fax them, after a couple weeks I called and they said they could n't fax. I was supposably talking to bosses and supervisors. I was on phone for hours. Can not believe that their customer service is this messed up. I will never deal with them again and do my best to steer anyone else away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am disputing Experian.com credit boost program. I deleted boost because ALL 3 reporting agencies has the same score ( XXXX ) so I no longer needed to " boost '' my score. On XX/XX/2022, I removed my bank account from experian. Since then, my score has not moved. 
My score is now XXXX with both XXXX and XXXX. It has been 3 months. I have contacted experian via email, and their response is vague, and never addresses my concern. 
I feel bullied into " boosting '' my score, as most lenders use Experian. I should NOT have to apply boost to benefit from my hard work of cleaning my credit. I feel that experian is holding my score hostage. And just keeps saying to apply boost. This should be illegal. 
XXXX XXXX uses Experian in their credit score model. At this time experian shows XXXX, and wells fargo shows XXXX. The experian website- With Boost. Is rigged.

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 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I cant open bank accounts with main banks they all deny me. I need help please.

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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted 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 2020-01-15
Company: EQUIFAX, INC.
State: NY
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 previously notified you that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
joined as a student at XXXX in 2019 and went there for a XXXX  and XXXX  months, was set on a normal payment plan for my student loans and all was well, i failed one class due to attendance and signed up to retake it now ive been out of XXXX for almost 3 years and i apparently owe XXXX dollars for that one class i had to retake the loan terms and agreements made by the school are sketchy and they will do anything like make students sign loans to make a dollar, my mom had to sign first when i first came to apply for the school but suddenly didnt need to have her there to sign when i had to retake the class mentioned above. also notice how when contacting the school for said documents on the enrollment agreement they only send the initial enrollment agreement paperwork ive provided in the docs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.

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 2016-02-03
Company: Residential Credit Solutions, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding RCS aka Residential Credit Solutions , Inc They falsely reported that we submitted NSF checks for XX/XX/XXXX & XX/XX/XXXX payments. 
As soon as we submitted proof that they received payment RCS claimed XX/XX/XXXX and XX/XX/XXXX check payment also was NSF. Then the story changed, RCS alleged that we wrote the check on a closed account. The check had not been presented to our bank. After a heated exchange yesterday, miraculously the check in question was submitted for payment this morning. RCS failed to return phone calls, confirm payments and did not ever mention reversing late fees they assessed to our account. The expedite hot line never returned a call. Customer service was no help and was only concerned with collection information updates. Complaints are filed with Attorneys General with XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: NV
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 account # XXXX and 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 an account without my written instructions. 


XXXX XXXX XXXX Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2022-08-27
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company

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 2016-05-02
Company: LEXISNEXIS
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX and I am a victim of identity theft!

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 2021-03-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''. They don't have to close my account and hold my money for 180 days. That's the money I receive as payment for the digital goods and services I provided my clients. I've been a member of Paypal since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Lending Club Corp
State: CA
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 had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX  payments as delinquent. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: U.S. BANCORP
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I attempted to close a line of credit with US Bank. The line had a XXXX balance and I received notice of annual fee XX/XX/XXXX. I tried to close the line of credit but was told that could not happen after the annual fee had been billed even though per the billing statement the fee was not yet due. The line of credit was initially a cash flow manager for my law practice but I closed my practice XX/XX/2006 so for all intents and purposes this was a consumer line. I contacted the XXXX number on my statement but was told that this must be resolved at the branch. When I called the branch I was told that the branch manger was on vacation ( not to return until after the due date ) but branch staff offered to contact the district manager. The District Manager, XXXX XXXX, refused to waive the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22
Company: U.S. BANCORP
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!

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 2016-09-26
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief