BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND FUNDING filed suit against me for a debt that they purchased ... XXXX upon an agreement I made with them, I paid the agreed upon amount ( in XXXX on XXXX different accounts with them ), at which I was told they would be reported to the credit bureaus as paid. as of XXXX/XXXX/XXXX they are still reporting as unpaid and refuse to talk to me as they have noted that I have an attorney. I did not and have not ever had an attorney representing me in these accounts and only told them that after I paid the accounts and they still continued to send me letters, call me and show up at my house trying to serve me papers. The continue to report false information and refuse to correct it, before they will correct it I needed to send them a letter stating I do n't have an attorney regarding this matter and copies of the receipts showing I paid almost 2 years ago. Then once they receive the information it will take XXXX to 10 days to get back to me. This is complete and utterly deceptive on their part, I in good faith did and paid as I agreed and they did not ( and continuing to not hold up to the agreement ). They do not even show me having an open account with them, it is closed since XXXX. They are playing a game with me and my credit, which is not fair and not allowed by law but continue to get away with it for the past 2 years. How many others are going thru the same thing I am and why? I went online and see all of the other complaint about midland funding, so now this does n't surprise me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This NORDSTM/TD XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

NORDSTM/TD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


SELECT PORTFOLIO SER 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 2016-06-19
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a checking account from before I was XXXX XXXX XXXX until now with U.S. Bank. Normally US Bank has been very good with taking care of any issues that arose but this time they were not. I truly do n't think I have ever overdrafted my checking account before this past year ( maybe once ) but either way it happened for a total of XXXX. I did n't even realize it until I got a letter in the mail. I went straight to the bank to deposit some money the minute I saw the overdraft and I saw I already had multiple fees on it when the letter that was sent to me that took XXXX business days to receive didnt have any attached. Knowing that the bank has always taken care of me and my family I called them and they told me they had nothing they could do. Each time fees keep adding on each week I talk to multiple people via a website inquiry and it takes days and days to be responded. FInally the total reached XXXX and the account was closed and sent off. After I begged and begged to get this fixed a person finally responded to me again saying she was sorry but already sent off to internal collections which took 9 days to receive. I fully take the blame here for the $ XXXX that I overdrafted by accident but not giving me an adiquite amount of time to pay it is bad business practice.

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 2015-11-05
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my US Bank credit card. US Bank acknowledged the dispute, notified me of the temporary reversal of the charges, and credited my account for the disputed amount. During the review of the dispute, US Bank allowed the vendor ( s ) to continue to charge my account new charges. I received letters from US Bank stating " We have concluded our investigation and the case was found in your favor. The provisional credit we issued to your account is now permanent. '' Now US Bank is reinforcing the fraudulent activity and placed these charges back on my account. Now they have racked up an unbelievable amount in interest and late fees along with the fraudulent charges. Do not get a credit card through US Bank, huge disappointment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Grain Technology, 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:
YOU ARE BREAKING THE LAW UNDER THE FCRA! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that is reporting incorrectly. 
The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
Grain Technology The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Grain Technology ). Making the report is NOT INCLUDED on my consumer report! 
Utilization is an experience with a line of credit that was extended between the consumer ( ME ) and the person ( Grain Technology ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer report! 
Grain Technology HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states in NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the account. 



Failure to respond satisfactory with the deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Concord Resolution Inc (Closed)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. this has been a rough times during the covid 19 pandemic and its been hard

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TFC Group, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On  XXXX / XXXX / 2016  I received a title loan in the amount of {$2500.00} from  XXXX   XXXX   XXXX   XXXX . The contract I signed states the total of payments made will be {$830.00} but the annual percentage rate states 111.710 %. The numbers are not making sense and the lender is tying to force me to resign a new contract. The federal Truth in Lending Act Disclosures are part of the contract agreement but the numbers in the contract do not make sense. Please help me resolve this issue. The contract was never signed by either parties.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: SOUTHERN FUNDING ALLIANCE USA
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020

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 2016-11-04
Company: GreenSky, LLC
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a solar loan through GreenSky in the amount of {$40000.00}. I was not approved for the amount applied for. The amount I was approved for was {$15000.00}. I did not accept this amount and canceled out of the online loan application. I was never contacted for approval on the different amount. I then received loan documents with an account created in the amount that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately.

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 2022-01-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is not cooperating with my written request of me asking for verification methods for the 3-5 bankruptcies that are still reporting on my report. These are not active bankruptcies and my other derogatory accounts are apparently unverifiable as well. Experian also has only responded with verification generic responses. I have not received any response from the courthouse nor other creditors with their assistance. I have been writing Experian since XX/XX/2021 about these derogatory accounts and their reporting errors and they have yet to provide me with any proof of validation and verification. Therefore I'm asking for assistance from CFPB with 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 2015-08-25
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$260.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive several calls " everyday '' in the morning and in the evening from this debt collection company. It has been going on for several months now. I want it to stop! Here are more numbers that they use. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I terminated my account with XXXX XX/XX/2021. I paid off phones and then changed carriers. I then was provided XXXX shipping labels by XXXX  for two signal boosters and one warranty issued phone. I sent back the three items with the shipping labels provided. All tracking numbers sow that the equipment was received by XXXX and signed off by a XXXX employee when it was received. Despite this fact and my providing these tracking numbers to XXXX they continued to try to collect the debt which was not owed in the amount of {$690.00}. After 10 plus calls and 15 hours on the phone with off shore XXXX employees I could never get them to admit they received the equipment and that their employees either lost or stole the items. I was told that they were opening an investigation or that they were escalating it to a manger. Nothing ever changed. They then sent my account to a collections agency by the name of Amsher Collection Services. I disputed the claim with Amsher Collection Services but they said that XXXX verified the account. An Amsher Representative told me that as long as I paid something like installments on the debt that it would not be reported to my credit. Come to find out that they lied and it was reported to my credit. This was not a valid debt and the proof provided to both XXXX an Amsher clearly show this is not a true debt. The both received the copies of the XXXX tracking numbers that show the equipment was received. They are both in violation of state and federal law for attempting to collect an invalid debt, threatening credit reporting and misinformation. They have destroyed my credit by reporting a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.

Company response to consumer: Closed with explanation