BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam the reason for this compliant is because i have been a victim of Identity Theft and i have inform the original creditor as well as the collection agency about these accounts i have send them Police report FTC Identity Theft Affidavit proof of my address and identity and they have refuse to cooperate with me and they continue to report these account on my credit file. I have asked for proof that these accounts belong to me, but they keep sending nothing more then bill. I also contacted the CRA and they keep saying that these accounts where verified but when i request any proof they can't produce anything that show that they belong to me. I have done everything i could possibly do to protect my good name and have been unsuccessful. Please help. 
XX/XX/2018 Letter send by the original Creditor XXXX and XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Harpeth Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX I read my contract and followed the given directions for revocation of ACH/EFT permissions and sent it to the requested email stated in the contract. On XX/XX/13 my account was debited vis ACH for my payment. The contract only requires a 3 day advance notice which was provided. After reading their email reply, I noticed that they tried to start the 3 days from the date that actually opened the email but their contact language doesnt allow for that. On XX/XX/13 I called in and the man I spoke with claimed to have never reviewed a revocation and said the email address the contract instructed clients to send revocations to is ignored by the company and I should have just sent it elsewhere. Oddly enough, their email on XXXX stated to guarantee that no payment would be taken to call them. I prefer to do EVERYTHING in writing when dealing with written legal contacts. I feel that this has all been a ploy to duck and dodge their own contracts and federal banking laws. They had a valid ACH/EFT revocation in their required email in the proper window of time and ignored it with the intention of withdrawing another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2017-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a check from  XXXX   XXXX  for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate.   My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate.   We deposited the check in to my  Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to  XXXX   XXXX  ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ...  XXXX   XXXX  is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money  hostage. They  should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business.  Three weeks  is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact  XXXX   XXXX  at Regions Bank in  XXXX , GA.

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 2017-04-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a federal funded consolidated student loan to put my son through college. My initial loan in  XXXX   XXXX ,  XXXX  was for {$120000.00}, now on  XXXX   XXXX ,  XXXX  is {$130000.00}.   Also, in total I had a  XXXX  loan,  XXXX  loan and  XXXX  loan. I paid off the  XXXX  and  XXXX  loans totaling approximately  XXXX . I would like to know how the loan increases and not decreases. I do n't mind paying off the loan for a college education, but paying an additional {$170000.00} in interest is ridiculous. I have written for  XXXX   XXXX   ( Navient ),   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  US  Department of Education,  XXXX   XXXX   XXXX , Congressman  XXXX , Congressman  XXXX , Presid ent Barack Ob ama and the   XXXX   XXXX   XXXX   with no help, just automated letters received. I went to   XXXX   XXXX   to see if I could apply for a loan and an interest adjustment and they told me that because I did not have a college education, they could not give me a loan. My wife and I are middle class and struggle every month to make a payment of {$1000.00} for this student loan. My son also has his own loan with  XXXX   XXXX  for $  XXXX . He lives on his own out of state and struggles to pay something every month, and is constantly being harassed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
When I called Bank  Of America to d ispute  one of  the charge on my account, the lady nam e   XXXX   XXXX  ??? ( She told me she does not have working ID, I ask to speak to a super adviser then she told me she is the SUPER ADVISER  ) told me there are   XXXX   transactions  XXXX  on  XXXX   XXXX  for {$780.00} another   XXXX   on  XXXX   XXXX  {$21.00}. I told her I did not authorize the current  XXXX  which is {$780.00}. But she told me she can only dispute   XXXX   on  XXXX   XXXX  {$21.00}. She said " Let me explain to you how dispute works, since you did not authorize this service, we have to only dispute the   XXXX   XXXX   ''. I told her the   XXXX   XXXX     on  XXXX   XXXX  only {$21.00} I do not care about that one. Then I told her double times again " I did not authorize current   XXXX   on  XXXX   XXXX  {$780.00} ''. Her answer is unacceptable : '' No sir, you do not know how dispute works, I know {$780.00} is a big benefit for you, but I can only dispute the one on  XXXX   XXXX  {$21.00} " Seriously Bank  Of America, it is benefit you, not benefit the customer who deposit their money in your Bank ( Do not forget customers pu t the money then you use the money to grow your business ). WHAT A  FRUD  BANK,  XXXX  A BIG JOKE. BASICALLY, YOU CAN DEPOSIT MONEY IN BANK OF  AMERICA  ANYTIME, BUT WHEN YOUR MONEY GONE FROM YOU ACCOUNT WITHOUT YOUR AUTHORIZATION THEN BANK  OF AMERICA NOT BE RESPONSIBLE FOR THAT. IF THEY DO THEY WANT TO CONTROL ONLY BENEFIT BANK OF AMERICA NO T THE CUSTOMERS. THIS IS HORRIBLE SERVICE AND THEY ARE MISTREATING THEIR CUSTOMERS. ALSO I AM A FOREIGNER, SO BANK O F AMERICA VERY    XXXX   TO TREAT A FOREIGNER PERSON!!!

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 2017-04-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is attempting to collect debts from me.I never established a contract with this company. A debt collection company has no legal right to collect a debt from me because they purchased a debt. They are also in complete violation of the FCRA 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 2017-04-13
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. 

Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. 

Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.

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 2017-04-21
Company: American First Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.

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 2021-03-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
RE : Diamond Preferred Card # : XXXX XXXX XXXX XXXX On XX/XX/XXXX, around XXXX XXXX, I received an e-mail-custom alert from Citi about a {$3500.00} transaction done to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with my credit card ( card was not present at the time of transaction ). 
I immediately called and contacted 24-hour customer service XXXX and I spoke with XXXX ID # XXXX, a representative from Citi, and I told her about this fraudulent charge. She immediately cancelled my credit card and ordered a new one that I received three days later via mail. 
What is strange to me is that if I called on XX/XX/XXXX to report this fraudulent transaction, why did that amount show as approved on the XXXX on my balance statement? It is strange that the transaction is not being shown as pending or under dispute or investigation, but rather it appears it is approved and being charged to my account. Why? 
I have called City Credit Card Corporation several times to tell them that they have charged the {$3500.00} to my credit card balance even though I already reported it as fraud, but they have not done anything about it. Their response is the transaction is under investigation. I spoke with a Citi Supervisor, XXXX  ID # XXXX, but even he does not know what is going on. 
Please, I beg for your help to do an investigation on Citi Credit Card. I strongly believe that someone inside this company, perhaps an employee, is doing this fraudulent charge. 
Thank you for your kind attention to this matter. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel. : ( 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 monetary relief
Consumer complaint received 2017-04-19
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

TransUnion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-29
Company: Eagle Recovery Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to Eagle Credit Recovery in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to XXXX XXXX XXXX  and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

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 2017-12-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.

Company response to consumer: Closed with explanation