BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
O n  XX/XX/XXXX , I  sent a certified written dispute to  Procollect disputing the debt they claimed I owed ( see attached ). I also requested documentation that proves that I owe Procollect as well as a breakdown  of fees for such de bt. Procollect DID NOT provide me with proper documentation. O n   XX/XX/XXXX , they  sent me a standard dunning lette r (  see attached ) with a printout of some information on a piece of paper with a name on it that is similar to mine that supposedly shows  XXXX  transactions made back in   XX/XX/XXXX   ( see attached ). First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, my  XXXX  cousins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services rendered nor did it show a breakdown of fees or how they came to the amount they say I owe. This also was n't a contractual agreement bearing my signature. Procollect is playing games and trying to get me to pay an unverified debt they have no proof that it is mine.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from Procollect via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or please provide me with the proper documentation, so this debt can be resolved.     Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of the  ARRA, SEC. 13401 . Also, provide copies of any agreement that bears my sig nature wherein I have agreed to pay the creditor and as this is a medical account a copy of any HIP AA authorization.     In the event of noncompliance, I reserve the right to file charges in a small claims action against your  company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA.

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 2021-10-25
Company: EQUIFAX, INC.
State: VA
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:
My cousin had stolen my credit card and left me responsisle for the balances and for the damage done on cards history. Because of thhis, one of my cards charged off and the other card showed deenquent past due payments which XXXX  XXXX said they would correct. i have pressed ful charges against my cousin but since he has moved out of the country it is difficult to bring him here for face charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: CO
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:
2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my XXXX report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and XXXX removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and XXXX says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on XXXX and equifax. 

2 ) XXXX has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. XXXX has stated the the account is accurate. It's not my account. This account also displays on equifax and XXXX. 
Last but not least 3 ) XXXX also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions 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:
XXXX  shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can 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 2017-04-27
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/2015 -    XXXX   XXXX    { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXX-XX/XX/2020 I had a XXXX account show up on my credit report that I did not open. I filled it with XXXX as fraud and reported to my local police as identity theft although they said it was not of their concern and didn't do anything about it. after a few months of reporting it to XXXX It had left my report. now today I see it has showed back up on my credit score as Jefferson capital systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted invoices to Citibank and filed complaint with XXXX to which the vendor claims they will not work with me. Citibank will not talk to me when I call which makes filing disputes incredibly difficult. I have paid over {$12000.00} to a merchant that has not fixed my diesel truck. It will not crank again after running less than 5 minutes. On the day I picked it up after driving it 70 miles it had to sit an hour before it would crank back up. This is after the mechanic had the truck for over a week. Citibank is not properly following through on documentation being sent to them. As a result, instead of working to resolve my dispute in my favor they are doing very little despite the annual fee of {$490.00} that I pay them.

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 2015-11-13
Company: Merchants Acceptance Corp
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened  XXXX  accounts and at the time the teller and bank manager agreed that opening  XXXX  accounts was a good idea to protect my funds in  XXXX  account while using the other for online purchases. This proved to be a lie and fraud. I have addressed this numerous times through cfpb b ut BB & T re fuses to address my complaints of fraud. Since the last complaint the account in question has bee closed and charged off to collection without addressing my complaint. I demand an answer to  : 1 ) Why did BB & T  lie to me telling me my money was safe and untouchable in  XXXX  account while supposedly having me sign something to the contrary.    2 ) BB & T re fused more time than I can keep track off to provide me with a SIGNED document that I was aware  of BB & T po licy that allowed them to take money from  XXXX  account to offset the other. All  BB & T did  was provide unsigned rules and policy that I addressed in the past b ut BB & T ign ored.

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 2021-10-24
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my house in XXXX I was forced to file for bankruptcy. Chapter XXXX. Reorganization. I lost my job and was denied unemployment due to Covid 19. Local agency actually did not help me in any way. They made it very difficult on me because I complained about them on social media. So I was working for temp employment agency. I only worked part time 24 hours a week. US Bank would denied me loan modification. So I was forced into bankruptcy to save house. I struggled to make the trustee payments. I kept making trustee payments but was unable to make US Bank mortgage payments. I recently on XX/XX/XXXX signed on full time with company offering full time wages and benefits. As soon as they could legally US Bank filed to remove me from my home. Even though I just started working and requested loan modification application. They made me wait 1.5 hours on phone only to be told they can not let me fill out anything electronically. They will mail me application. They lied. They never mailed me anything. Except court papers to have me removed from my home. Even though I can afford to pay them now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: Early Warning Services, LLC
State: CA
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 that should be on the report is missing

Complaint:
Early Warning Services reported FIVE DIFFERENT XXXX XXXX ACCOUNTS. I disputed since early XX/XX/2021 the five accounts, and some days later XXXX XXXX REMOVED MY FIVE DIFFERENT ACCOUNTS REPORTS. Early Warning Services has : 1- Answer ONLY ONE account, and does not want to answer THE FOUR REMAINING ACCOUNTS. 2- Early Warning Services WROTE AN INCORRECT ABA Number in my dispute case XXXX. 3- Early Warning Services WROTE AN INCOMPLETE ACCOUNT NUMBER, which were marked with encrypted xxxxxx that could be used in an fraudulent way. I request a COMPLETE ACCOUNT NUMBERS, AS WRITTEN IN THE EARLY WARNING REPORT, and I REQUEST AN ACCURATE ABA INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Account status incorrect

Complaint:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Credit Corp Solutions Inc.
State: NV
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 account recently appeared on my credit report. There is a collections amount of {$190.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have spent nearly 2 months, 2 in person visits, and several hours on the phone trying to recover {$2200.00} that was stolen from me. 

My wallet with ID and debit card was stolen from me in XX/XX/XXXX. I immediately notified the bank and felt I should close all 6 of my accounts, but I was assured by the fraud department that extra security measures would be placed on my account. They informed me that the extra security would mean that no business could be conducted on any of my accounts over the phone or in the drive thru lane. I would need to go inside and present 2 forms of identification. 

At the end of XX/XX/XXXX, a theif impersonating me presented a stolen check written to me to be cashed. The teller cashed this check in the drive thru lane with only my stolen driver 's license for identification! When a stop payment was made on the check by the other victim of this theif, SunTrust removed the money from my account.

I was originally told it would take 15-30 days to investigate ( which I felt was ridiculous as this was not regular identity theft, this was 100 % Teller error! ). I was told on at least 5 different phone calls that I would receive a phone call within 24-48 hours and it has never happened! In all of this time I have received 1 email which required me to return a signed affidavit. This was almost 2 weeks ago. I emailed the affidavit right away and immediately received a notice that the representative was out of the office for several days. I've sent 3 more emails to this representative, with no response.

I am at my wit 's end. I have been a SunTrust customer for almost 20 years and am beyond dissapointed. I want my money back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Stearns Ventures, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower

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