BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Arete Financial Group
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Arete Financial Freedom, XXXX XXXX Student Loans Specialist, XXXX XXXX exit XXXX, contacted me in XX/XX/2018 concerning my student loans. Ms. XXXX convinced me to let her company help me repay my students loans and the payments would be cheaper than what I was paying. I accepted her services and set-up auto payments with her company for monthly auto payments of {$40.00}. Everything was going along fine so I thought until I start receiving correspondence from XXXX XXXX stating I was behind in my payments? I had no idea what they was referring because my loan was with Arete Financial Freedom. I tried to contact Arete Financial Freedom and received a recording saying the number was on longer working? I would like to find out what happen to this company and where did all my payments go. I still have a student loan for the same amount? Is there anyway I can get my payments back and apply them to my loan?

Company response to consumer: Untimely response
Consumer complaint received 2022-03-15
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was employed by XXXX XXXX XXXX back in XX/XX/XXXX I had a exam and x-rays done the dentist suggested for me to get some fillings. I was told by the current manager at that time that I wasn't gon na get charged for any services therefore I didn't sign any treatment plan regarding any charges for the treatment. When I left the company in XXXX they never told me anything about charges on my account as a patient. Later on in XXXX I pulled my credit report and their was a collection debt from XXXX XXXX XXXX saying I owed about {$900.00} when I wasn't even aware of these charges. The only way these charges were applied was for some type of retaliation against me leaving the company I have asked both the collection agency and the dental office to validate these charges with a signed financial agreement that I am fully responsible for these charges, a signed office financial policy along with signed treatment plan. They haven't been able to provide any of these documents because they don't exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.

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 2015-07-03
Company: Resurgent Capital Services L.P.
State: IN
Product: Credit card
Issue: Other

Complaint:
XXXX is claiming on my Chapter XXXX Bankruptcy for a credit card that stated was charged off on XXXX/XXXX/XXXX and showing the last payment/transaction date of XXXX/XXXX/XXXX. I have not made any payments since at the latest XX/XX/XXXX ( probably XX/XX/XXXX ), so this account 's statue of limitations has ran out and should NOT be included in claims for payment in my Chapter XXXX. This was included in a group of " dead '' debts what were purchased from XXXX XXXX XXXX. I have disputed this debt several times and it had been removed from my credit bureau years ago, and now they have filed for Proof of Claim. I have not received ANY letters from this company in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Resurgent Capital Services L.P.
State: CA
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 am disputing account number XXXX with LVNV Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO 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 2022-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a store card in good standing ( all previous payments on-time and current ). One day while shopping I was offered a promotional discount to open a AMEX-Macy 's card ( I had a Macy 's XXXX XXXX the promo was for Macy 's AMEX ) . I later discovered when paying my bill that the two cards were not link ( as one payment ). I requested that we combine the 2 cards into 1 payment and verbally I was told they would. Later I started to receive calls stating that I had a balance owed- I communicated that I was told the bills would be combined ( I even received a credit for over-payment ). Macy 's created the confusion " by stating they would combine the payments '' then later saying that they couldn't. While attempting to resolve the confusion I didn't pay the AMEX thinking it had been resolved but the records hadn't been updated/corrected. My account was in good standing... they created and communicated confusion about how the matter could be resolved!

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 2020-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 rewards from credit card

Complaint:
I signed up for the Capital One XXXX XXXX credit card because of an offer for Bonus Point after a certain amount of spend within a certain amount of time. This is a card with a yearly fee and I would not have signed up if it were not for the bonus offer. 

The terms for the bonus were XXXX points after spending {$5000.00} and another XXXX points after spending a total of {$50000.00} within the first six months. I called in to the credit card company in XXXX and was told that the terms have changed due to Covid19 and that I now have until XX/XX/XXXX to spend the {$50000.00} to earn the additional XXXX points. 

I called in to the credit card company in XXXX, XXXX and XXXX to find out how much more ( of the $ XXXX XXXX I need to spend to earn the bonus. The first time I called I was told that the period within to make the {$50000.00} in purchases has been extended until the end of the year. The other times I called in I was told how much more I need to spend to get to the {$50000.00} threshold. 

I called today, XX/XX/XXXX, and was told that their system does NOT show an extension for the bonus spending timeframe and that if I did speak to someone they forgot to add the extension to my account. 

Furthermore, I was told that there is no record of my phone calls with the company. ( I have call logs with dates, times and length of calls on my phone and phone bill ). 

I have actually spent over {$51000.00} by XX/XX/XXXX and according to the terms of the signup offer and extension period for the spend I qualify to receive an additional XXXX credit card points. 

Additionally, the extension of the 6 month spend period for the bonus points was widely published on various internet publications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: MO
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: Personal information incorrect

Complaint:
Credit Bureau Equifax and XXXX have the wrong social security number for my identity listed on their account. I've worked with them to change it, and I've mailed letters with the necessary information to change it. However every couple of months, they revert back to the incorrect number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: VA
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:
EXPERIAN ; XXXX ; XXXX ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for 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 2016-07-15
Company: Radius Global Solutions LLC
State: PA
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:
A person representing Central Credit Services, inbound call received from ( XXXX ) XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an XXXX woman into disclosing additional information without success, instructed my mother to contact me and the representative of Central Credit Services would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, Central Credit Services through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, Central Credit Services is representing itself as an agent on behalf of 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 explanation
Consumer complaint received 2016-08-12
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was contacted by Mercantile Adjustment Bureau personnel by the name of XXXX XXXX. The phone call directed to my Aunt house the person left a voice message stating that, this was attempt to collect a debt even, if you do listen to this recording then you are stating that this is indeed '' XXXX XXXX '', and by listening to this message you are confirming of this valid debt, you are formally being notified of a law suit concerning this Debt Please return call to XXXX. XXXX..unquote. This statement is against XXXX, and collection of a debt. This form of collection is illegal, they did not verify if this was indeed my phone number, then they left the message on a family member number letting any information private to me open to anyone with access to my aunts voicemail system. Then they indicated if you listen to the voicemail that you are indicating that you accept this debt and are indeed XXXX XXXX if no contact made on this debt you are formally being notified of a law suit concerning this Debt. What kind of mess is this?? Illegal, Illegal!! Per. fair credit reporting whether original creditor, or collector of debtor, or buyer of debt, you must contact in specified guidelines. I will not be threaten, I know my rights under fair credit laws. Also brutal threats can not be made in attempt to collect a debt. I have yet to see proof of this debt, written notification to review this debt, and account information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my XX/XX/2019 statement for my credit card with Bank of America. The closing date on the statement was XX/XX/2019, and the minimum payment requested was {$340.00} due XX/XX/2019. On XX/XX/2019, I made a {$400.00} payment to this account and on XX/XX/2019, I made a {$100.00} payment to the account for a total of {$500.00}. As such, I paid {$160.00} above the required minimum payment due XX/XX/2019. Nonetheless, Bank of America is stating on their webiste that I still owe {$230.00} for the XX/XX/2019, payment. I tried to resolve this issue over the telephone with a telephone representative without success. Now I turn to your agency to act on my behalf.

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 monetary relief
Consumer complaint received 2017-03-16
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Velocity Portfolio Group
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:
BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )

Company response to consumer: Closed
Consumer complaint received 2016-02-09
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation