BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: KEYCORP
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I scheduled a payment for {$100.00} on my CC ending XXXX with Key Bank Collections Dept on XX/XX/2017 to bring up the account to current status. soon after that, I got two letters from Key Bank with dates XX/XX/2017 and XX/XX/2017 as a reminder confirming the transaction to be processed XX/XX/2017 with a confirm # given. 

Today, XX/XX/2017, I find that the transaction was correctly processed yesterday and posted today in my checking account from where I agreed the payment be withdrawn. 
Key Bank Collections Dept clearly states " PROCESSING MAY TAKE UP TO TWO BUSINESS DAYS ''. 

MY COMPLAIN IS that I have been harrassed and abussed by Key Bank Collections dept as they have called me AGAIN today XX/XX/2017 at XXXX ( XXXX ) in order to collect the very same amount of {$100.00} that I previously scheduled and FULLY payed yesterday. that is wrong!! and it is totally unfair business. 
It DID NOT matter that I fully met my commitment, but KEYBANK still call me again???, why? I want an explanation for that WRONG AND ABUSIVE COMMUNICATION APPROACH. 
I spoke with call center supervisor XXXX ID # XXXX in XXXX XXXX were call was originated, but she blames the system as they schedule payments but dont care to wait 48 hrs to call again in case the payment was not made. 
I am convinced that the Bank 's collection Dept has this dark and fraudulent strategy to attempt DOUBLING the payment and cash extra from those oblivious clients that may have forgotten at the time of the call that such payment has already been collected. Key Bank Collections Dept. shall have their automated calling system set up to wait 2 business day to call again in the event the scheduled payment did not go through. 

Besides I am feeeling harrased and abused by the Bank, I am feeling completely vulnerable, since I could have forgotten the payment I scheduled 2 weeks in advance and I could have fell in their fraudulent trap to collect a double payment the very same day, That puts me at the risk as a consumer that I may accept to pay in order to avoid more late fees, but I fall in to being short on funds in my acount and being double punished for insufficient funds by my Checking Account bank and by the Key Bank Credit card collections dept. 

I greatly appreciate your valuable help in processing and following on my complain as I am sure that I am not the only victim of such wrong strategy this and other the banks and Credit card companies are creating as a trap to consumers. 

I will be looking forward on your response and for the next step as I have proof documentation of my claim. I will be happy to provided it, along with my personal info. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CORELOGIC INC
State: CA
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:
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.

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 2016-01-23
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Metro Republic Communication Services regarding a medical bill. I spoke to XXXX XXXX and inquired about receiving a generic letter stating that upon full payment they will report and remove it from my credit. I informed him that I am capable of making the payment in full right now. XXXX XXXX and his manager stated that they are willing to give me the letter only after they receive the payment. So, basically I do n't have any guarantee that they will keep their word. Over the next couple of weeks I spoke to XXXX XXXX numerous times. I initiated the majority of the calls. I finally came up with a solution for both of us. I spoke to XXXX XXXX and explained that I was willing to drive to their office and pay with a certified check. At that time I am willing to " trade off '' for the letter and a receipt. XXXX XXXX mentioned that I should bring cash at that time. I expressed to him that I am not comfortable paying with cash and I would bring a certified check from my bank. Both of us were satisfied and ended our conversation on a good note. Five minutes after we hung up XXXX XXXX called me back and stated that after speaking with his manager XXXX XXXX that there was a problem with what he told me. He stated that his manager said I have XXXX medical accounts with their office. Even though I am willing to pay off the account we discussed in full they will not report or remove the account until I pay off a different account I did n't even know I had with their office. I asked to speak with his manager and his manager XXXX XXXX stated the same thing. I found it very strange and unprofessional that I have spoken to him numerous times and XXXX XXXX never mentioned a second account with their office. Also, these are XXXX totally different bills, service dates and amounts. If I pay off one account in full that should be reported to the credit bureau and removed just as we agreed five minutes ago. I do n't understand why they would think that it is okay to attempt to be unprofessional, deceive and bully customers. They should not be able to make up their own rules and guidelines because they feel like it. In my opinion it does n't sound legal either. Most people do n't consistently call bill collectors trying to pay their debt in full. So, at this time I am at a stand still because I do n't trust them at all.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom this may concern, TransUnion is reporting two addresses on my credit report that are not only non-existant addresses but addresses which I have never lived at. 

Specifically, TransUnion is reporting " XXXX XXXX, CA XXXX '' and " XXXX XXXX, CA XXXX '' as my addresses. Even if I did previously live at these addresses they are formatted in such a way that it would be impossible to apply for a bank account or credit account and have the bank verify the address provided by the consumer with the address provided by the credit check. In effect, this false information locks individuals out of financial services and TransUnion should have never let this clearly false information be maintained on a credit report. 

There is not such thing as XXXX XXXX, CA XXXX '' or " XXXX XXXX, CA XXXX ''. Please see the attached screenshots for more details. I would like TransUnion to immediately remove these prior addresses and apologize.

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 2021-07-29
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
So I started a dispute transaction for a package I never received onXX/XX/2021. I was told i would receive a provisional credit within 10 business days if my dispute wasnt complete yet. Upon calling today i was told I dont qualify for the credit and the dispute will end in XX/XX/2021. The delivery driver has been contacting me being very aggressive. My bank is the XXXX XXXX XXXX through Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America is not correctly allocating payments on their credit cards that offer multiple promotions on one single credit card. BofA does not show on the statements the minimum balance due for each of the multiple " balances '' on a single credit card : E.G. On my one credit card, there is a " Purchases Balance '' and a " Balance Transfer Balance '' and a " Direct Deposit Balance ''. Instead BofA shows just One minimum balance due. This is Not transparency. When I make a payment on the card, I pay above and beyond the " one minimum balance due amount shown ''. The excess payment is supposed to be allocated to the three balances in a certain order, but it is not clear from the statements how that is happening and it appears that it is inaccurate. When I spoke to a manager at BofA about it, she said multiple people complain about this all the time to her. She said the statements show " average daily balances '' so it is not possible for me to reconcile my account on my own. I have to " trust '' BofAs math. She told me the min balance due does not actually pay off all minimum balance due on the 3 balances, but instead gets applies to one of the promotional balances. When I did the math, it did not add up that indeed even that one promotional balance was receiving the " min amount due '' which is when she explained that was due to average daily balances being shown on the statements. So the balances shown on my statement are not in fact the balances at the end of the period, but " average daily balances ''. How can I reconcile my accounts if I do n't have accurate numbers? One customer rep told me none of the excess payment was going to purchases. The manager told me that the excess payment is going to purchases. I spent about 2 hours on the phone talking to multiple reps. I can not get a straight story and I can not reconcile my accounts. It appears my payments are not being properly allocated and the statements I receive make it impossible for me to reconcile. And Bof A knows that. The manager told me that there was nothing she could do, that is just the way it is. The fact that the " min amount due '' payment is not in fact paying my purchases down, means BofA has come up with a method to make as much money off me as possible with as little transparency as possible, and with no way for me to actually check for myself how the payments are being made. I do not Trust Bank of America 's calculations and there is no way for me to check them. This is predatory and exploitative.

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 2016-01-25
Company: High Point Asset Inc
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
Someone from High Point Asset, Inc. called my work number. Although they did n't identify themselves, I was able to find the name of the " company. '' They have been harassing me over a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. 

Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.

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 2021-07-29
Company: Exeter Finance Corp.
State: VA
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:
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: NPS GROUP
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2022-08-04
Company: EQUIFAX, INC.
State: MD
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 my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: U.S. BANCORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We received a final lease assessment from US Bank for " excess wear and tear '' on the vehicle. I originally called the company on XX/XX/XXXX to appeal the assessment, as it was my view that the wear and tear met the definition " normal '' under the US Bank agreement. Several times I was hung up on. I was redirected to the voicemail of a supervisor who never return my calls. When I followed up with their end of lease department and asked to review the assessment with the supervisor, he agreed that of the original approximately {$800.00} in " excess wear '' charges, all but {$150.00} were unsupported to the photographic evidence and waived them. We continues to insist that the {$150.00} charge for scratches on the front bumper constitute excess wear, his contention being that the scratches referenced are greater than 4 '' in length. Unfortunately for US Bank, that is not the " excess wear '' policy we agree to when we signed our lease, and in fact, even their own end of term brochure describes excess wear as scratches that BREAK THE PAINT which are longer than 4 '' in length. The referenced scratches are surface scratches in the clearcoat that are easily buffed out ( which the US Bank guidance identifies as " normal wear ''. ) I am less concerned about my own situation than I am about what appears to be a systemic practice by US Bank to overcharge lease termination fees inconsistent with agreed legal contracts between the parties. As an informed consumer, I fully intend to have all inappropriate fees waived. I am concerned, though, that if I were not an informed consumer the bank would have taken advantage of my lack of knowledge to overcharge me nearly {$1000.00} in unsubstantiated lease termination fees which are inconsistent with the definitions of use agreed by BOTH parties at the commencement of the lease.

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 2016-08-08
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report. 

I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.

Company response to consumer: Closed with explanation