BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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/XX/XXXX called portfolio recovery spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BARCLAYS BANK DELAWARE
State: NC
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 balance transfer

Complaint:
I am trying to transfer my fiance 's credit card balances to my credit card. His bank is Barclays. We need his account number to proceed. We no longer have the cards ( they were locked when he underwent XXXX XXXX and was no longer able to pay regularly ), so we don't have the account number. 

I called their customer service number last week and waited on hold for over 2.5 hours before giving up. I called again this morning promptly at XXXX, got disconnected after about half an hour, and am currently on hold going on 1.5 hours. 

I also contacted them via XXXX, and nothing. 

It seems unfair that they can prevent me from getting the info I need to transfer the balance, and then continue to charge me interest and fees.

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 2016-08-19
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted the credit reporting company, LexisNexis, and am waiting a final response. 

Dog bite claim description as follows : Our family was visiting relatives ( not on our property ) where our son was XXXX that was owned by another relative not associated with that property. The property owner took out a home insurance claim through their insurance, XXXX XXXX XXXX XXXX, to cover medical bills for our son. The property owner 's insurance company contacted the dog owner 's insurance company and worked out how the medical bills would be paid. Ultimately, all medical bills were paid by the dog owner 's insurance company, XXXX. At no time were any claims run through my current home insurance provider, XXXX XXXX. 

In summary, it was not on our property, it was not our dog, and we did not take out an insurance claim with our insurance company for the dog bite. I respectfully request that this claim be taken off my property claims report. 

Attached is a report from XXXX/XXXX/2016 showing the dog bit claim under dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
A couple of months ago I reviewed my credit report and noticed an unknown negative account from Bank of America. I have disputed this account in the past but now I am being sued over it. In my previous dispute I requested that I be sent more information on the alleged account such as the application and contract but the only thing I received was what looked like a monthly statement with my name on it. I have been a victim of Identity Theft/Fraud/Impersonation in the past and have on file a police report, an identity theft report with the FTC, IRS and the Social Security Administration. Again I am asking Bank of America to send me the application that was made in my name and the contract with signature on it. Bank of America also needs to remove this account from my credit report and stop any/all collection activity immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

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 2020-03-29
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was forced to use XXXX on three different occasions. On one trip, I was forced to take the even though it was only a 5 minute ride to another campus of the hospital and I had someone there to drive me. Another time, I was charged over {$3000.00} for a ride to another hospital when I didn't request it. It's not my fault that XXXX hospital was full and they had to transfer me. Why should I pay for that? I'm a XXXX  Vet with XXXX issues and expected to go to the hospital in my city for these emergencies. I had insurance during this time and these bills were paid by my insurance company. This company is scamming the system and overbilled, charged waaayyy more than necessary, and never even contacted me by phone or let me know it was going to collections. I never received any collection letters or calls. Only invoices. It went from service on XX/XX/XXXX to NEGATIVE REPORTING ON CREDIT REPORTS ON XX/XX/XXXX with no warning in between. I have been on XXXX for my issues, so clearly I don't have the thousands of dollars they are requesting. Also, now I am sick with XXXX  and was about to apply for a loan to take care of my family when I see that they put THREE collections on my credit reports during a time when the governor requested a moratorium on such actions from XX/XX/XXXX-XX/XX/XXXX + maybe longer. They were so spiteful, they put it on my credit reports in the middle of a crisis, on XX/XX/XXXX. I want the negative info. removed from ALL of my credit reports ASAP or I will be seeing a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
11 years ago I used a loan which was originally called XXXX XXXX to start XXXX XXXX school at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my course, because I got sick and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual current real college. I was young and got scammed by them. I would like the debt forgiven as I am now actually trying to take real classes for real credits. Not a corrupt scam school and I just feel like I was robbed by them. This has been going on for over ten years 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 explanation
Consumer complaint received 2020-03-29
Company: Law Office of Steven A. Booska
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
This company is trying to collect nearly {$16000.00} on a {$7200.00} private loan debt from XX/XX/XXXX. it was with XXXX XXXX but they bought the debt in XX/XX/XXXX for a few hundred dollars. They sued me in XX/XX/XXXX, but never notified me of the lawsuit or even notified me that I owed THEM the money. I have court documents proving I was insufficiently served but Since i never knew about the lawsuit or court date, I did not show up and a judgement was made against me. I still was never notified of the judgement, or even made aware of the debt ( which had since doubled because of interest ) until last month ( 8 years later ) when my employer received a wage garnishment notice. The next day my bank account was drained, and so was that of my mother and father. I called the creditor immediately because i had no idea why these actions were being take, and the woman told me I must pay her {$8000.00} within 10 days or they will take {$200.00} a week from my paycheck and keep all the money taken from our bank accounts. She refused to tell me whether the statute of limitations were up, and told me to 'ask my grandma to take out a loan to pay them ' or 'ask my boss for money ' to pay them. This was extremely inappropriate and unprofessional. I told her I was getting a lawyer and she told me it was a bad idea because there is nothing I can do. The incessant phone calls and fake legal documents bombarded me and my family. Actions which could have been taken at any point in the last 10 years so i could have worked something out. I went on to get a lawyer, who sent a letter to the creditor saying they are not to contact me or may family and all communication should be through him. Yet every weekend the company sends 'notice of levees ' against me and my parents and continues to harass us. Not only were we under extreme economic hardship prior to their actions, it is now worse and taking a toll on my well being and the well being of my family due to their relentless attempts to strong arm money out of an already struggling family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XX/XX/XXXX I called in to Evergreen Professional Recoveries to pay off an account they had under my name. I paid the balance in full, and was told that I would be receiving confirmation of this within 7-10 days. 

I waited 10 business days before calling back on XX/XX/2017. I was informed at this time that the letter had not been sent out, but it would be the following day, and that I should expect to receive the confirmation letter no later than Friday, XX/XX/XXXX. I waited until Monday -- still no letter. So I called again. This time, I was told I would be emailed the confirmation within 24 hours. I agreed that this was fine. 

Next day - no email, still no letter. I called in again and this time asked to speak with a supervisor in an attempt to expedite the process. What follows is my reason for submitting the complaint. 

First, XXXX came on the phone. She was rude, interrupted and talked over me while trying to explain what I had already been told. She would not let me speak, so I asked for her manager. She put me on hold for several minutes before returning and briefly attempting to apologize ( at least, I *think* it was some form of an apology ). She then placed me back on hold to speak with her manager. 

This man 's name was XXXX. He was equally as rude, combative, and unprofessional as XXXX. He never acknowledged the false promises that were made and refused to send me the confirmation email. 

I still have not received the confirmation of payment, which posted now 25 days ago.

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 2020-03-29
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 information incorrect

Complaint:
I have been trying to fix incorrect information on my Experian report for almost 6 months. I have supplied proof and they still refuse to remove the incorrect reporting on my credit report. I have attached a copy of the cancellation of debt letter from XXXX XXXX that shows debt in the amount of {$28000.00} was cancelled for loan number starting with XXXX. Open date of the loan was XX/XX/2007 for {$25000.00}. Experian is showing the account as a charge-off and that not correct. This account is not charged-off the debt was cancelled and needs to reflect the - $ XXXX- balance and the correct status. I have attached a copy of the notice that was sent to me, in which I also sent to Experian that refuses to investigate the matter. Any assistance would be greatly appreciated.

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 2017-03-06
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had to declare bankruptcy over five years ago. When I filed I told the attorneys to leave my house out because I was n't behind on mortgage payments. Much later I found out my house was included in the bankruptcy, even though I was n't behind on payments. Someone was awarded XXXX. I called XXXX XXXX XXXX, Green Tree and, ditech, they all denied receiving the money. The firm handling my bankruptcy would n't help me unless I paid them more money. When the bankruptcy was up I was one month ahead on payments, ditech sent my loan to collection. I refinanced my loan through XXXX. ditech sent them a payoff amount, it was payed, two months later I received a bill from ditech stating I still owed them over XXXX. Ditech mortgage is robbing people. I want to know where the XXXX awarded in the bankruptcy ended up and, how to get it back. My heart goes out to ditech customers. REFINANCE before it happens to 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 2022-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-12-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Again I have issues with Chrysler Capital and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from Santander call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have an open account with HSBC Bank, which was closed paid in full in XX/XX/XXXX. The account is showing as still active as of XX/XX/XXXX. The account status shows closed - transfer/sold with a balance of XXXX. This account is past the 7 year date and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Hello, Id like to raise my concern regarding this company whos taking money from my account constantly. Last XX/XX/XXXX, i took an eye examination which isaw in advertisement, it says will cost you a pair of glasses for only {$59.00}. I went there and they took the test but when you are there some promotions or tricks that will cost you up to {$1400.00} if you get approved by a funding company ( XXXX XXXX ) they fund me {$600.00}, then they will offer you this and that. at first they took {$50.00} downpayment XX/XX/XXXX, and then they deduct again in my account XX/XX/XXXX {$26.00} and another one after 3 days XXXX XXXX $ XXXXand the worst part is that i havent received the product. Theyre taking so much money now and i dont like it.I want to cancel it but they havent replied yet and its hard to contact on customer service. 


Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 
Explore Customer Portal If you have any questions you can chat with us ( Monday - Friday XXXX XXXX  - XXXX XXXX, Saturday XXXX XXXX  - XXXX XXXX  MT ). 
Sincerely, Acima Credit | Customer Service Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 

Dear XXXX XXXX, Thank you for your renewal payment of {$50.00} related to your recent transaction at XXXX XXXX XXXX XXXX - B. The details of the transaction may be found below : Transaction ID : XXXX Rent Payment : {$50.00} Tax : {$0.00} Total : {$50.00} Transaction Date : XX/XX/2020 If you have any questions, please contact our Processing Department at ( XXXX ) XXXX. 

Sincerely, Acima Credit | Customer Service Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had XXXX $ in Bank of Amrica. It is an Account just for savings. So I never used that account. In 2020 somebody could access to my acount and made lot of XXXX and transactions and took all the money. I went to Bank of Amrica and said it was not me, but they haven't refund my money. They are responsable for not having a secure system. So I need 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