BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: Focus Holding Company
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested a debt validation letter to validate a debt from the original creditor from a company called Focus Receivables. The agency informed me that it does not fall within my right under FCRA laws to request 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 2020-08-14
Company: American Credit Acceptance, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi - I opened an account with American Credit Acceptance in XXXX.I got into a car crash In XX/XX/2020 which totaled my car. This is where everything began to go down hill with the company. 

XX/XX/2020 - Car Crash - reported to ACA car was totaled which was instructed by my car insurance company XXXX. 

- ACA - advised I should contact my gap insurance and warranty company and they would send all documentation to the GAP insurance company on ACAs behalf. ACA advised it would take about 7 business days on their end. 


XX/XX/XXXX - contacted Gap insurance and car insurance they advised they needed to wait on ACA to send over payment history and additional information specific to the car loan. 

XX/XX/XXXX contacted ACA they stated they were still in process of sending over information to GAP XX/XX/XXXX GAP insurance contacted me asking for the information from ACA required to complete the GAP process. Contacted ACA they stated they were still in process. 

XXXX XXXX insurance paid {$24000.00} - XXXX warranty Paid {$800.00} XXXX XXXX ( Gap Insurance ) - {$4700.00} Company did not update the information on my credit bureau which caused my credit to reflect late payments. 

I would like company to reflect accurate payment history. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
I paid the Midland Collection in full and I was told that the collection will be deleted from my credit 2 years from the first delinquency. On XX/XX/XXXX, I spoke to a manager at Midland who informed me that Collection is going to be removed on XX/XX/XXXX XXXX XXXX, XXXX ... 
As a result, I entered a contract to buy a house, knowing that this collection is getting removed on XX/XX/XXXX, and scheduled the closing date for XX/XX/XXXX. 
When I called back on XX/XX/XXXX, I was told " sorry the manager made a mistake and the account is not getting removed until XX/XX/XXXX XXXX!!! 
I was given FALSE info on XX/XX/XXXX, which resulted in me entering a binding contract to purchase a home knowing that this collection will REMOVED ON XX/XX/XXXX. 
MIDLAND manager MADE a huge mistake, and I am asking Midland to listen to the conversation that took place on XX/XX/XXXX, and take ownership for their mistake, and to DELETE this tradeline from my credit in its ENTIRETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple times keybank has charged us overdrafts that arent valid. 4x a week at XXXX I want this investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.

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 2023-03-30
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told this company to stop calling and today XX/XX/30 they called I asked them again to stop calling me and they called back 1 minute later. They do this often even though I have demanded they stop.Firstsource is the name of the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 i submitted a complaint to the CFPB reference number XXXX. 

Two items were sold on XXXX totaling {$240.00}. That money was given to PayPal to then disburse to me. Despite PayPal stating that they have released the funds to me in a written statement to the CFPB, nothing has been disbursed. 

I have tried to contact PayPal directly to get this matter resolved, but all I get is computer generated bots who have no idea of what the issue is. 

PayPal has lied to me and lied to the Consumer Finance Protection Bureau in a written statement. 

My question is what are you going to do about it???.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: GA
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 has made no effort to verify my mortgage with XXXX XXXX. I have filed two previous complaints through the CFPB ( XXXX and XXXX ) each with supporting documentation which can be used to verify my mortgage from the lender. Experian refuses to accept these documents, stating they " don't add data to our database from private parties since we would be unable to verify or maintain the data ''. Isn't it Experian 's job to verify the data submitted as a consumer 's proof of a trade line with a lender? Why are they dismissing my documentation instead of reaching out to XXXX XXXX to verify the data?

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 2016-09-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
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 was contacted by Fair Collections & Outsourcing several years ago about ( XXXX ) accounts that they claimed belonged to me and stemmed from the rental of an apartment at XXXX in XXXX, GA. The collection agency placed these accounts on my credit file at that time. I contacted the agency t make them aware that this was as a result of identity fraud, completed a fraud affidavit packet and also forwarded a copy of my police report that detailed the fraud. At that time several years ago the accounts were removed from my credit file. Just recently I found that Fair Collections & Outsourcing re-reported these accounts even though I had gone through the process of completing the affidavit, and providing the police report. They improperly and re-inserted a previously resolved claim. I have notified them again that these were previously resolved and addressed and they claimed to have no knowledge of that but they were removed from my credit files several years back. This is an ongoing fraudulent attempt to collect a debt that they know fully well I do n't know. When I caled most recently to try to discuss the representative told me that even though it had been deleted and previously resolved the original creditor had decided to continue to collect it and that that had to honor their clients request even if it was a fraudulent 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 2020-08-14
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill in the amount of {$330.00} from Continental Credit Control and I called XXXX XXXX the representative on my bill. I asked if I could make payment arrangements in the amount of {$50.00} a month and if I did they would agree not to report the bill to the three credit bureaus. She said, yes that this would not hit my credit report if I was making payments to take care of the bill. I made my first payment in XXXX for {$50.00} then XXXX for {$100.00}. I was on time with all payments. I checked my credit report on XX/XX/2020 and the company did report the debt and they reported that I never made any payments. I called the company the next day and tried to speak with XXXX XXXX, she was unavailable. I then spoke to the manager and told him the situation as to why they reported it and why they were reporting no payments were made. He said, that XXXX never told me that she wouldn't report it and that I was lying. I would not have made something like this up. He didn't want to ask his representative why she said and agreed to this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Citibank lied to me about the reason for contacting me. They told me that they were not attempting to collect a debt and then tried to get personal information from me. Afterwards they told me they were in fact attempting to collect a past due amount on my credit card. After being transfered to an escalation department they informed me that this was common practice in attempting to collect debts and that lying about who they are to customers is their job so that they can be effective in collecting past due accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied the Target Redcard Credit card, my credit score is above the minimum to apply. With the denial letter they said one of the issues was credit score and then listed a false credit score, length of time accounts have been established ( which is discriminatory based on age ), and that " too few accounts have been paid as agreed '' which I have none that have to be paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX is reporting XXXX confidential non public personal information. Consumer Law is dependent on privacy. Truth in Lending does not Include Transactions and Experiences between consumer and person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
In XXXX, I received a statement from Chase Bank for a XXXX XXXX XXXX, including a renewal fee of {$390.00}. I immediately called Chase and downgraded the card to a lower level ( XXXX ), which had a {$95.00} fee. I was advised to not pay the {$390.00} in that billing cycle and that I would receive a credit the next billing cycle, and to call to have any interest reversed. I was then charged {$95.00} for the XXXX card in the following billing cycle, on XXXX/XXXX/15, but received no credit for the {$390.00}. I called on XXXX/XXXX/15 and spoke with both a customer service representative and a supervisor, both who indicated that I would be receiving the {$390.00} credit but not for another billing cycle. I complained that paying {$390.00} for something I had cancelled and in fact the bank had replaced with a downgraded benefits card ( and had charged a second fee for ) amounted to lending Chase {$390.00} and wait for them to pay me back. The supervisor indicated he would credit the interest from the XXXX billing cycle ( from my non-payment of the {$390.00} in the previous billing cycle ) and that I would see the {$390.00} credited back -- and I should contact Chase in the next billing cycle to obtain a reversal on the additional interest to be charged for the subsequent billing cycle on that {$390.00}. When the current billing cycle statement arrived in early XXXX, there was no credit for {$390.00}, the previous billing cycle interest was reversed, there were new interest charges applied. I called and spoke with a representative, a supervisor, and then an escalated floor supervisor. The representative and the supervisors informed me that I would not see the original fee credited at least til the next billing cycle, that it would not be for {$390.00}, but {$300.00}, and that the downgraded card 's fee of {$95.00} would be deducted from the {$390.00}, despite that a {$95.00} fee for the downgraded card had been charged in addition to the original card ( which was cancelled ) fee of {$390.00}. The floor supervisor indicated I would receive no credit for the {$390.00} despite the cancellation of the card and its benefits, and that I would be responsible for the {$95.00} downgraded card fees ( essentially I would pay for a card and its benefits that had been cancelled when it renewed, and receive no benefits for the {$390.00} ). He offered and will be looking into what had been promised previously. It is inconceivable to me that the bank can charge a fee for a card that is cancelled at the time of renewal, not credit it back, charge another fee for a downgraded card, and then indicate that the original higher fee can be collected without providing the card 's services. As an FYI, this is a Chase XXXX XXXX XXXX, vs. a Chase XXXX Card. I have the statements and names of those to whom I spoke after the initial contact when I downgraded the card, if those are needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: OH
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 not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party.

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 2017-03-24
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving threatening calls from a customer service agent at Hunter Warfield. They guy will not give me his name. He purposely would state my name wrong after correcting him multiple times. I simply asked for him to cease and detest calling my and my family multiple times and I would like documentation in writing so I can pass along to my lawyer as I have mold and lead case in regard to this debt. The agent told me that he didnt care what I had and the he loves to talk to lawyers and demanded my lawyers information. I told him that I no longer feel comfortable speaking with him and I feel threatened by his tone. He told me that they already mailed out documentation I told him that I never received and if he could mail again? He stated that is not my problem that you are not receiving your mail. I asked him again what was his name and could I speak with his supervisor. He became hostile which forced me to hang up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: SC
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 are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX# XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XX/XX/XXXX # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.

Company response to consumer: Closed with explanation