BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX  XXXX XXXX XXXX acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-02-15
Company: GMA Investments, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls on my cell phone from a summit receivables saying that I have a debt to be paid. I call back the number that shows up ( a local number of XXXX ) but the place has no clue as to who I am. The number they leave in the message is XXXX but when i call they want me to give a lot of information that if I had an actual debt with them they would have. I 've asked for verification of the debt they say I have but none is forthcoming and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.

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 2017-04-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Sent an electronic message to Ally customer service via their website asking " I can transfer funds with next day delivery using your website from my XXXX account, but if I schedule recurring transfers there is a several-day delay. Why is this the case? Can you fix it? '' I received what I feel was a complete non-answer, what appeared to be boilerplate text describing their manual funds transfer policy.

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 2016-05-09
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. 

I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. 

Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.

Company response to consumer: Closed
Consumer complaint received 2016-05-14
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Association Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This the second complaint, after being threatened verbally, and via email, I was forced to sign a contract under duress. I sent it back to them after harassing me they will be taking my home. I will attach the appropriate documentation. In previous complaint not only have I been harassed they failed to continue with even sending correct proof of the debt, then they sent me another persons debt information then admitted to doing so then stated this happens, I have a copy of that email. I am concerned my information has been compromised. I have copies of emails stating " I do not pay my debts and stall tactics ''. " I blame others because I do not want to pay my debt ''. I spoke with this gentleman on XXXX XXXX XXXX, as her verbally harassed me, I kept repeating stop trying to intimidate me. He stated " I can do what ever I want you do not pay your bills ''. I have a witness to the phone call and can provide if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), 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 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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 have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After the XXXX scandal was made public, I decided that I wanted to find a new bank to bank with. At the time, Regions Bank was running a promotion that offered new customers a {$400.00} checking account bonus when signing up for a checking account. 

Because of this promotion and as a result of seeing local branches in my city, XXXX, TX, I decided to give Regions a try. According to a representative that I spoke with on the phone, my sign up date according to their system was XX/XX/2017. However, I received no documents from Regions until around the middle of XXXX. At that point, I was shocked to see that I received documents for XXXX checking accounts, not just XXXX. 

I logged into my account online, and sure enough there were XXXX accounts opened in my name. As a customer that was trying to find a suitable replacement for XXXX due to accounts being opened without their customer 's knowledge, I was really disappointed. I am not sure how it is possible, or why Regions Bank might want extra accounts to be opened, but XXXX accounts were opened in my name when I went through their sign up process just once. 

My problems with Regions Bank were only compounded when I called Regions Bank to inquire about the promotion, to be told that the promotion ( conveniently ) expired on XX/XX/2017. I checked my own records and was sure that the promotion in question ( XXXX ) expired on XX/XX/2017. I had saved a screenshot of their marketing material that was displayed on their website at the time I signed up for my account which clearly showed the expiration date to be XX/XX/2017. 

The lady I was speaking with on the phone insisted that the expiration date was XX/XX/2017, and that as such I was no eligible for the promotion. I asked her to send me a copy of that document so I could verify for myself. However, she said that Regions Bank did n't keep original copies of the marketing material at that time, and that she could n't send me whatever documentation she was looking at because it was expired and " could n't be printed. '' As I mentioned, my own records and other peoples ' records online clearly show that their marketing material showed XX/XX/2017 as the expiration date. For Regions Bank to advertise a promotion to draw in customers, then tell them after the fact that they are ineligible for that promotion without providing any proof whatsoever is, at its best, dishonest.

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 2015-05-05
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you 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 explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.

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 2017-04-02
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America put me in foreclosure says I owe {$9000.00}. After finally receiving the first 6 years loan history payments they did not pay my principal payments for the first five yearsyears, the promissory note reflects 7.130 interest rate at {$490.00} paymentspayment each month for 15 years. we received monthly statements in 99 that stated that we were only supposed to be charged {$9.00} per day for interest the interest rate of 7.130 comes out to {$10.00} a day then if you figure {$9.00} per day the interest rate should be 6.5. if you amortize 7.130 + interest your payment should be {$490.00}. We were overcharged on interest along with late fees and there 's are several payments that are not on the payment history they also applied to much to interest for multiple years breaking the usery lawlaw. This is a breach of contract and they have ruinedvour credit for years we want our money back timed XXXX compensated for credit damage and our title to our house cleaned there are many more servicing issues along with this but way to much to include.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation