BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: Northern Alliance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been getting repeated calls from a company call XXXX or XXXX. The say that I have made an agreement with their company and that something has happened to where I need to resolve it. I have never dealt with this company before. I did use payday loans in 2012 and I have paid those debts off so I know that I do n't have a debt with these people. I have researched the phone numbers used for them ( they call from a Delaware number but leave a different number to call back ) and have found they call other people claiming the same thing and others have found it to be a scam. They also recently contacted my mother to get some information and I am not a minor, so I know that it was wrong/illegal for them to do that. ( I was not a minor when I incurred any of my debts either. ) I do n't answer when they call because I do not answer numbers I do n't recognize but they do leave me voice-mail messages. I get several calls in a week and it is a problem because I do n't owe any debts other than ones on my credit report. I am feeling harassed by these people and it needs to stop. [ The number they call from is XXXX and the number left for a return call is XXXX. ) I have fallen victim before and I just want others to know not to take everything at face value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I previously had services with XXXX between the months of XX/XX/XXXX and XX/XX/XXXX. At the completion of service XXXX provided us with a final statement that has some erroneous charges. XXXX was contacted and informed of these errors and would update the bill to reflect the accurate charges. The erroneous charges were removed and the billing statement was updated. A new bill was to be mailed to the forwarding address of XXXX XXXX XXXX, XXXX, GA XXXX. After waiting approximately two to three weeks I called XXXX who informed that the bill was never sent and that a second request to send the bill will be submitted. Again we waited an instead of having a bill sent to us our account was sent to collections. Over a period of two weeks the collection was removed and XXXX agreed to send us an updated bill via mail, but again it never came. They instead sent to another collection agency. Now as of XX/XX/XXXX XXXX has not sent us a bill and a third collection agency has now made contact in an attempt to collect the debt. 

The last contact made with XXXX to attempt to obtain the bill was on XX/XX/XXXX. A request was made to obtain a bill a copy if the bill. To ensure that a copy would be sent a control number was provided XXXX. This was the order number associate with the request to obtain a copy of the bill. Again this bill has not came and it has been sent to the collection agency. I have previously sent similar complaints to the CFPB in regards to similar activity from XXXX. 

XXXX was contacted on XX/XX/XXXX and was informed that account was charged off. XXXX then refused to provide me a statement but continued to ask for payment. I was told that once I provide payment a statement can be sent to me in the form of a receipt. XXXX is also stating that the account will stay in collections until I pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system

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 2017-04-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was supposed to have a forbearance but it was n't applied to my loans properly and it was reported to the credit bureaus that I was late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I just got an update that I have a over due bill in collections from XXXX. I called XXXX as well as the collection agencies that work for XXXX ( XXXX ) to check if I had a past due balance. 
XXXX and the credit agencies confirmed that I do not owe any past due accounts and they have not reported me to the credit agencies. 
This information is erroneous. It will impact my business hence I would like to get it addressed ASAP or I would be forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Columbia Credits, Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.

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 2022-02-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have a collections on my report that I do not owe from FIRST CREDIT SERVICES. I have no agreement with this company and there talking about a gym membership that was all settled years ago. I called the fitness company and they agreed i do not owe them money according to there records. This collections agency keeps calling me about money i do not know owe. They are saying I owe {$220.00} but this is inaccurate and I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had no communication or knowledge of account going into collections.

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 2017-04-06
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Billing statement

Complaint:
I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.

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 2015-11-20
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We purchased a vehicle in XX/XX/XXXX. The financing was done through Ally Financial. i was XXXX in the XXXX until XX/XX/XXXX. In XX/XX/XXXX we moved back to XXXX. We updated Ally numerous times with our new address and phone numbers. In XXXX Ally repossessed the vehicle from our current address in XXXX but continued to send letters to XXXX. Because of that we never got any notification of anything. Once Ally sold the car, we never got a notice of deficiency. Now Ally has us in collections which should be illegal because we never had a chance to rectify the situation or even were aware of what was owed.

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 2015-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

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 2017-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Other

Complaint:
I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX credit card does not belong to me. I never recieved the card and would like this removed from my TransUnion credit report

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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have spent long periods working overseas and my credit file is essentially empty. There is nothing negative in my credit file. Now that I have returned to the US I went to a bank to open an account, a credit card, and to inquire about a mortgage. When the bank accessed my TransUnion credit report, another person 's name and addresses came up. That person 's name is XXXX XXXX, of XXXX, Michigan. I have never used that name and have never been to XXXX Michigan. 

There is also credit information in the report that does not belong to me. I 'm assuming that just XXXX loan was mis-entered so that my ssn became associated with this other person 's name and address. So although the credit information is not negative, it has taken my identity and made it impossible to proceed in establishing and using credit. 

When I opened a retirement account through my new employer, security questions such as " With which of these addresses have you been associated '' were matched to addresses in towns where I have never lived. I moved on to other questions that actually pertained to me, but there were more questions that were relevant to this other individual than there were that were relevant to me. 

I reported this to TransUnion XXXX, once on the XXXX of XXXX, and once around the middle of the month. To my knowledge they have taken no steps to resolve this matter. My entire life is on hold until they resolve this matter. 

Given the enormous responsibility of credit reporting agencies, such as TransUnion, I expect communication and proactivity when they are presented with such a claim. If they can not quickly resolve mistakes of their making, they should not be allowed to play such an important role in the lives of consumers. Resolving this quickly is the most important item on my " master '' to-do list, and I ask for your help. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation