BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted XXXX XXXX through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX Pressler and Pressler have sued me and got a default judgement. XXXX XXXX has been charged numerous times for violating the FDCPA laws. This attorney was asked by me to provide proof that they are the owners of the debt, a signed contract agreement, and the last billing statement. I am now concerned that he only reviewed my complaint for 4 secs just as he has been sued by others for this same issue. The last communication with him he claimed he would send the requested information ( their calls are monitored so they said ) and I have yet to get this paperwork. The only thing I 'm being mailed now is an interrogatories request. How is it they can continue to violate laws, harass consumers, and not provide supporting documents that I owe this debt? How do I know that I 'm not just paying some crook who has my information? These are questions that I need someone to look into as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for the XXXX loan with Bank of American through their online application. On XX/XX/XXXX I received an email to upload documents regarding my business. I uploaded all documents on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX from Bank of America introducing himself and saying that he was handling my XXXX loan application. On XX/XX/XXXX and XXXX I received an email saying that there were documents missing. I called XXXX on the XXXX and no answer and did not receive a call back. On XX/XX/XXXX I called again and received a call back from XXXX. During that conversation XXXX said that they did have all the documentation and to ignore the emails. I asked XXXX for an update on the application and when I will be getting the money. XXXX responded to me stating that the funds were depleted. I asked XXXX if my application was submitted and he got very nervous and said that he did not know. I asked, " Since you are in charge of my application how do you not know? '' XXXX said yes and no. And told me again that he did not know the status of my application and where it was and that he was going to look into it hung up, and still has not returned my calls. I strongly believe this is a case of unfair lending practices. That Bank of America never submitted my application because it was not beneficial enough to them or they are discriminating against small businesses.

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 2015-09-01
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I filed a complaint about 10 days ago with this office a day or 2 after filing the complaint I received a phone call from a rep in the executive office claiming that she wants to help me, but the fact of the matter is that even after waiting my time with her for hours repeating and explaining my issues as well as she admitting that they were wrong she wasn't able to resolve this issue and just continuing to waste my time with flawless resolutions back and forth which are fruitless and non sense while she is aware of the non sense. Other than wasting my time and their time nothing is moving, they don't feel sorry enough to rush it or do something at least to prove that they are taking responsibility on their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I want to report that I'm no longer authorized user in the account : XXXX XXXX # XXXX, your company is reporting this account with an incorrect balance, I had tried to dispute this online but the system refused it.

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 2022-10-27
Company: Texas Guaranteed
State: WI
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:
Company responded XX/XX/22 stating that according to 34 CFR 682.410 ( 6 ) ( 5 ) they are required by federal regulations to report to all credit bureaus. This is in fact true, however, they neglected to state what needs to done before they can report. 34 CFR 682.410 ( b ) ( 6 ) ( ii ) states the following : ( ii ) Within 45 days after paying a lender 's default claim, the agency must send a notice to the borrower that contains the information described in paragraph ( b ) ( 5 ) ( ii ) of this section. During this time period, the agency also must notify the borrower, either in the notice containing the information described in paragraph ( b ) ( 5 ) ( ii ) of this section, or in a separate notice, that if he or she does not make repayment arrangements acceptable to the agency, the agency will promptly initiate procedures to collect the debt. The agency 's notification to the borrower must state that the agency may administratively garnish the borrower 's wages, file a civil suit to compel repayment, offset the borrower 's State and Federal income tax refunds and other payments made by the Federal Government to the borrower, assign the loan to the Secretary in accordance with 682.409, and take other lawful collection means to collect the debt, at the discretion of the agency. The agency 's notification must include a statement that borrowers may have certain legal rights in the collection of debts, and that borrowers may wish to contact counselors or lawyers regarding those rights.

None of this information was given to me at all. Another law broke. I did not wish for them to supply me with the information now as it is already to late. I want this account immediately deleted from my report ( s ) in its entirety.

If you choose not to comply, you leave me no choice but to take this matter to Federal court. I will also notify the Attorney General as well as the XXXX.

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2017-01-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Back in 2007, Chase Bank enticed consumers with an add that, basically offered {$200.00} in bonus cash if we had our payroll checks deposited electronically through them, and opened XXXX accounts with them. I did, but before I caught on to their scam, it ended up costing me hundreds of dollars! They started cashing checks that I would write, in the order of the largest check 1st, so all other checks written that day would bounce, if there were n't sufficient funds! This went on for a while before I caught on! Eventually, over {$600.00} disappeared! When confronted with the problem, they told me it was there company policy to only refund XXXX of the fees!!! If you do this to XXXX people, you can rake in XXXX, before you 're caught!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold a home that closed XX/XX/XXXX. The balances of the first and second mortgages were paid off but I had overpaid both mortgages. I have an overpayment of approximately {$1100.00} due back from my second mortgage with Citizen 's Bank. I have remained in contact and provided my current address to them since I knew I had an overage due back from them. To date I have not received repayment from them and have called them numerous times.they acknowledge the overpayment and claim to file inquiries on each of the 3-4 times I have asked them for the money and claim that they will keep me advised but I have NEVER been contacted by them regarding the status of the money and each time I call they repeat the same action. My last call on XX/XX/XXXX I insisted upon having them mail a check via XXXX so that it could be tracked. Having heard nothing from them I called again today and, as every other time before, they repeated their action of launching an inquiry. I explained this was unacceptable and spoke to a manager who said she will get back to me and forward this to the back office, since they handle the checks. I asked for a direct number to someone in this division but was told that they do n't have those numbers so I am left to once again wait and hope they handle this but I have had similar conversations before and fear that this will result in another delay. It is now 70 days and I have not received the money that is due back. This is a lending institution that recently had to pay a XXXX dollar judgement for defrauding consumers. I fear that this behavior has not been rectified and not only have they not paid out the overage but they continue to make interest on the money, regardless of how minute the amount. Multiply this for every consumer who might be having this issue and the amount multiplies exponentially. I advised the rep for Citizen 's Bank today that I would be filing a complaint with the CFPB today because of the continued inaction on their part. Should the money finally show up, I will retract my complaint but feel that this specific institution should be investigated as this may be a norm for them and others may be subject to this practice. 

I appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, XXXX XXXX and I ( XXXX XXXX ) were approved by Wells Fargo for a Deed in Lieu of Foreclosure. I received a letter stating that on XX/XX/XXXX, the process would be completed and the account would be closed. Wells Fargo continues to report to XXXX every month that we are missing a mortgage payment. XXXX correctly reports that the account has been closed. I have contacted Wells Fargo about this matter, but my complaint is never addressed or fixed by the representative I talk to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Focus Holding Company
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! 
I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a lawsuit notice from XXXX XXXX about a debt to XXXX XXXX  XXXX, i had no dealing with this company so I requested proof of ownership of dept. to figure out what it was it turns out i was a victim of identity theft and there was a dept open under my name with XXXX XXXX  XXXX. After I requested the information about a month later i received a letter stating that i was no longer being sued. Since than things died down and I though it was over now come another lawsuit for the same debt i requested information multiple times certified mail and all and they refuse to provide me with any information they just keep pushing a lawsuit. I don't know what I should do i have court soon but these guys are refusing to provide me with any information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
It took XXXX different phone operators at XXXX more than 20 minutes to complete my opt out request to limit the sharing of my information. It felt predatory and like they were just reading a script to get me to just opt out of emails from their company instead of limiting my sharing with affiliates and non-affiliates. The operator kept promising me that they do n't share my information with affiliates and non-affiliates when the privacy policy that I agreed to when signing up, clearly sates that they do. Their privacy policy can be found here XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by 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 2020-04-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}

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