BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account years ago and did not realize that it had a monthly fee attached. Unfortunately, I never got XXXX email or letter from the bank until almost three years later when I got a letter stating that my account was overdrawn. Since I had never used the account ( and frankly, forgot about it XXXX, I was concerned that someone had fraudulently gotten my acct. number and had drained the account. When I called customer service, they told me that I had been charged {$9.00} for the last XXXX years. If I ( or anyone for that matter ) were aware that they were being charged a monthly fee for years without ever using the account, I would have changed the type of account or closed it. When I said I had never gotten any statements or notifications, they said that I had access online and furthermore, email notifications. I had never gotten XXXX single email or letter from Citizens in all that time. They told me my email address ( and it was incorrect - off by XXXX letter ). After speaking with several customer service representatives, they best they could do was to refund two months of fees. The motto, " Good Banking ... Good Citizenship '' should be changed to " Good Banking ... Good opportunity to steal our clients ' money! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.

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 2016-09-15
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citizens Bank/XXXX. My bank ( Citizens ) has allowed an unauthorized charge of {$160.00} ( XXXX on XXXX XXXX, 2017 ) to be removed from my account. They have refused to help me or give me a credit. The bank states the charge is an annual fee. I never agreed to an annual fee and I still do not agree with the charge. I do have a contract with Citizens bank stating fee for {$14.00} a month will be charged and a small percentage. I have never agreed to any annual fees. The agreement will be attached. The bank has also refused to stop any payments from Workday even after requesting it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, 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 2016-05-05
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.

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 2016-01-29
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
see attached. I am sending all info for this section and large amount of documentation that substantiates my complaint. This info contains different times and different ways I have tried to get info and answers. It demonstrates a lot of the other problems I had with Key Bank XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was called yesterday ( XX/XX/XXXX ) regarding my past due amount that I owe. During this call I inquried about how much of the principal I had left, because this is the 3rd year I have had this loan. The amount I was told shocked me so I asked, how much of the {$450.00} I pay each month is applied to the principal. I was told 9 dollars. So I further inquired, how often is interest applied, their response daily. After crunching the numbers I found that it would take me 59 years to pay this loan off, so I asked if I can have my interest decreased. They told me their supervisor would be reaching out to me. During that night I continued to dig into my account with finding they have not been applying ANY of my payments to the principal. 

Today ( XX/XX/XXXX ) their supervisor called, his name was XXXX ( couldn't catch his last name ). I asked about lowering my interest, he said no. I then inquired about AB-539 because I am paying WAY over the limits set in place. He said that does apply to me because AB-539 came into affect in XXXX. But according to AB-539 is amends existing law meaning I am covered. After he told me I was not covered, I told him I need to seek counsel because he is incorrect, at that point he began attempting to talk to over me, so I raised my voice back on him refusing to be silenced. I asked for my contract, he said he sent it to me, I am assuming via email. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ProCollect, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm receiving letters from ProCollect Inc. that I owe a bill to XXXX XXXX when I been with XXXX for 13 years. I talked to them and they still sending me bills please assist me in this matter.Their office is XXXXXXXX XXXX XXXX, TexasXXXX.Phone number XXXX Thank You, The bill has my name and address, but is not mine someone is using my name and address.I Protect my identity Theft with XXXX and XXXX And I know is not me I do n't know what else to do.

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 2021-03-23
Company: Experian Information Solutions Inc.
State: TN
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:
My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.

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 2015-10-01
Company: States Recovery Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I attended XXXX online. This past XXXX 2015, I followed the university 's process and withdrew from my course work before the final withdraw deadline. My academic advisor was XXXX XXXX. On XXXX/XXXX/15, I received an invoice from a collection agency by the name of States Recovery Systems , Inc. stating that I owe {$1500.00}. XXXX ( the account was transferred from XXXX ). I have never received any bills, correspondance, telephone calls etc. from XXXX regarding this " debt ''. I do not believe that I owe this debt as my student loans and grants covered all of my educational tuition and fees according to my last conversation with XXXX XXXX. I also withdrew from my course before the withdraw deadline. Since, I had never been made aware of this debt from the university, I explained to the representative ( she refused to give me her name ) from States Recovery Systems , Inc., that I was disputing the debt she became extrememly argumentative with me and threatened legal action. I feel that I have a right to know about a debt before it is referred to a collection agency. And I have a right to have the debt verified. I have supporting documentation to support my claims. I am suspecting that this is a scam but, if its not, I feel that XXXX needs to collect the debt in accordance with collection and billing laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Valentine and Kebartas, Inc.
State: AE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. 

I am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Total Card, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!

Company response to consumer: Closed with explanation