BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Resurgent Capital Services L.P.
State: GA
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 been contacted by resurgent capital on multiple occasions to collect an Alledged debt owed. On XX/XX/XXXX, I sent an email ( to a monitored email account ) requesting they cease all communications regarding this alleged debt. I the received further communications via email attempting to collect on XX/XX/XXXX, XX/XX/XXXX, and XXXX ( all XXXX ). I then received two letters in the mail from them attempting to collect, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: NC
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 sent Equifax & XXXX  copy of ftc, police report and numerous about the fraud accounts to be remove. I been sent correspondences for a little over a year trying to get inaccuracies removed from credit report. XXXX  continues to not investigate fraud inquiries or say it that it frivolous request per XXXX, XXXX  has block me for online disputes and have to get transferred 4 or 5 times when i do call. The next action is lawsuit for XXXX and possible Equifax aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Had a USAA credit card for approximately 17 years, never delinquent, late, etc. Yet, TWICE in as much time - USAA sent me VERY OFFENSIVE correspondence - so on the last one, in XX/XX/XXXX - I demanded that they close my account. Even requested they " negotiate '' a " payoff '' of my account - but was discriminated against because USAA informed me that " USAA only negotiates a smaller amount of a payoff with people whose accounts are delinquent. '' What-the-XXXX?!? Since the closing of my account - I have made monthly payments OVER the amount due ( I also did so during the 17 years it was kept current ) - except for XX/XX/XXXX, wherein I forgot my payment. It was due on XX/XX/XXXX. Today is XX/XX/XXXX - not even an entire MONTH past due - and I have received a letter AND TWO debt collection phone calls from USAA. What-the-XXXX?!?! I sent USAA an email - put in writing - that I DEMAND THEY STOP CALLING ME - yet, again, today I receive another call from USAA! UNREAL and very discriminatory to say the least!!! I am now contemplating BANKRUPTCY. 

XXXX XXXX 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 2018-05-08
Company: WELLS FARGO & 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:
We filed Ch XXXX Bankruptcy in 2013 and included our Wells Fargo credit card in the bankruptcy. They are reporting it in the notes as a bankruptcy but are also illegally reporting a {$12000.00} balance which should be XXXX after the discharge of the bankruptcy. SEE ATTACHED DOCUMENT

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 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnoin has placed XXXX XXXX XXXX in XXXX GA on my credit report and I have never had a loan with theses people and I want it taken off my credit report soon as possible. XXXX XXXX XXXX phone number is XXXX. My name is XXXX XXXX the last SS # XXXX my cell number is XXXX if you have any questions for me concerning this matter. I have this removed. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
On XX/XX/21, I received a the attached letter titled " AmexltrXX/XX/21 '' from American Express, which seems to be in regard to settlement. ( Although this letter seems to elude to the alleged account being closed, due to settlement at a previous time, I have never stated that this alleged account has been previously settled at any time. ) I responded on XX/XX/21, with my settlement offer, in the attached letter titled " AmexltrXXXX ''. In my correspondence I specifically stated that my offer was not a validation request in bold letters at the bottom. But then, I received the attached letter titled " amexfalsecreditreportingXXXX '', stating that American Express reports their alleged account as '' in dispute '' with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, credit reporting agencies. There is no dispute. This information is false. American Expresses behavior is harassment which defames my character and causes XX/XX/XXXX. There should be no doubt whatsoever that reporting this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit agency is Credit Control Agency Amount {$280.00} Paid in full XX/XX/22 Filed dispute with XXXX XXXX. Dispute came back as no change, amount still owed. I contacted Credit Control Agency and provided screen shot of XXXX dispute status as of XX/XX/22. I am not able to submit another dispute for this and the credit agency will not update with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX of this year I paid off my current balance with XXXX  XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX  XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have American Express Purchase Protection benefit. I filed a claim on XX/XX/22 and uploaded documents XX/XX/22. I called on XX/XX/22 to note I didn't have the delivery date. From XX/XX/22 to XX/XX/22 I called several times to check on claim. Only to be advised it was being processed. On XX/XX/22 I called again to be advised they needed the delivery date. I immediately uploaded it. On XX/XX/22 I have received no phone calls, no emails or written mail in regards to my claim. I called and was told it denied. I was told the processing time was 21 days. I asked why it was denied and was not given a reason, only I could send is in a dispute. I asked to speak to a supervisor. I was on hold for 24 minutes to have the Customer Service say he could not hear me and disconnected my call. I called right back and got the same person. He said he tried to call me back with a phone number that is not my number nor has ever been in my profile. I was on hold for an additional 26 minutes and spoke to a supervisor only to be told my claim was denied because it was 93 calendar days, 3 days over the time period. After this ordeal and very upset at the process I chatted with American Express and asked for a email to send a written complaint. They gave me a address to mail complaints. I googled the address and it showed permanently closed. I chatted again explaining they gave me a wrong address. The only resolution I received was an apology for the problem. I feel this is totally unprofessional, frustrating and discourages customers to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched cellphone carrier 's on XXXX went to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX or XXXX were annotated on the bill. -I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request, but I never was contacted. XXXX XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX of {$280.00} but no mention of the XXXX {$260.00} payment. -Then on XXXX I received a collections notice form XXXXt on behalf of XXXX stating that I owe {$340.00}. Now its being sent to I.C. System Inc. another debt collection company. To date I have not received any follow up from XXXX regarding my XXXX payment of {$260.00} towards my XXXX account. Also, when I logged in online on XXXX to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX, I began receiving bills that made no sense and my online account did not allow me to see all the billing. PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS AND MY PREVIOUS CFPB COMPLAINT AGAINST CONVERGENT.

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 2020-10-07
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company practices in predictory lending practices during the pandemic. They advertise on their website the following ( https : //netcredit.com/blog/how-cares-act-impact-credit-score/ ) : " During the CARES Act, if your finances are affected by COVID-19, you can make an agreement with your creditor to update or change your payment terms, which may include temporarily skipping or reducing payments. As long as you maintain the new terms, youll be able to keep your account up-to-date without any damage to your credit score ''. 



I had to miss a couple of payments during COVID-19, and I communicated with netcredit from XX/XX/2020 to XX/XX/2020 and instituted repayment plan. During the CARES Act, my finances are affected by COVID-19. I made agreements to change my payment terms. I have maintained the new terms, but Netcredit is still reporting me as late to the XXXX, XXXX, XXXX and damaging my credit score. 

I called and wrote a letter, asked to speak to suupervisor and was unable to. This company is currently being sued in VA for predictory lending practice. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unbeknownst to me my previous homeowners insurance carrier XXXX, canceled my homeowners policy on XX/XX/2022. In XXXX of XXXX I  was contacted through the mail by my mortgage company PNC Bank. They informed me that I no longer had homeowners insurance ( to which I was not aware ) and that I needed to purchase it. I reached out to avatar and I was told that they emailed me three times to let me know that my policy was being canceled. I asked them what email address they sent it to and they had left out a letter in my email address each time so I never received any notice. They did not bother calling me, nor did they bother mailing me anything. Homeowners insurance was purchased. I then receive a letter from PNC Bank telling me that I now owe homeowners insurance for XX/XX/2022 through XX/XX/2022. Unless I can provide proof of insurance or purchase my own policy for that timeframe, they are going to do it and charge me for it. I know that legally an insurance company can not write you a past policy so it wasnt possible for me to purchase a policy for that time frame. PNC Bank is charging me {$510.00} for an earned insurance premium since of course I can not provide proof of insurance because I did not have it. My new policy is {$1600.00} for an entire year and they are charging me XXXX of that for less than 15 % of the year. I received a check from avatar and I deposited it into my escrow account with PNC Bank so that they are not out any of the money that they spent for the previously canceled policy. I feel like I do not have any option but to pay this and is some type of extortion. They werent out any money because of this, no claims were made during that 2 month window and yet they are trying to capitalize on this. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank sent my mortgage to a lawyer for foreclosure as I was talking to the bank 3 times a week, making partial payments and being told the loan will not be foreclosed on. The bank told me, every conversation was documented and recorded, this will be easy to prove. When I asked why I was not told it was going into foreclosure the bank said " How where we supposed to know? '' and I asked then how was I supposed to know! The foreclosure lawyer charge me {$2700.00} in fees. I have paid this loan in full including the extra fees, but would like to at least be reimbursed for the extra fees. I was lucky my balance was small enough to pay off. There are going to be a lot of people who's balance will be to much to pay of and this bank is going to steal their homes!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/XXXX I submitted my ftc report as well as other documents asking for a verification of debt and to also have several inquiries removed. I have been calling back and fourth regarding having these items removed pursuant to 15 usc 1681 stating all unverifiable information must be removed. They have not complied with the removal of these items but also state they havent received the documents in which I sent us postal service certified mail and I still have the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information I've forwarded to Transunion, ( notarized letters ) has not been acknowledged. 

I've called on several occasions. I've been hung on while still talking. 

The website to report disputes online allows me to log on one day and not recognize my sign on information the next minute. 

Website just kicks me out the application then want allow me to sign back on. 

I'm extremely suspicious about Transunion reporting methods.

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