BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reached out to XXXX XXXX because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on Transunion and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.

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 2016-04-06
Company: The CMI Group, Inc.
State: OH
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 a a unverified account from CREDIT MANAGEMENT LP XXXX. 
this account. I have never done business with CREDIT MANAGEMENT LP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CREDIT MANAGEMENT LP purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT LP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31
Company: JH Portfolio Debt Equities, LLC
State: CO
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:
This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Ed Financial has admitted to me twice now that their fax lines are not working correctly, but they have refused to communicate this to borrowers who are required to submit forms where fax is an option. It is not noted on their website, nor have they sent out mail or electronic communications. I 've faxed in required documentation twice and they continue to not receive the information. This is an unfair, deceptive and abusive practice that will lead to borrowers to pay higher repayment fees when they have done all they were requested to do to maintain their IBR program status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX hold on funds Impersonating Bank Representatives Scam of funds and contact numbers Funds verification PNC BANK XXXX XXXX XXXX PNC/XXXX  Check Deposit {$3500.00} XXXX XX/XX/2021 XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Cottonwood Financial Ltd.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CITIBANK, N.A.
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:
One numerous attempts I have sought explanation from Macys about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a XXXX from Macys cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX as well as XXXX. When XXXX  reached out to Macys / Citibank, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being contacted by a debt collection company by e-mail called True AccordXXXX XXXX XXXX stating I owe {$150.00} for an account I do not have. They started contacting me on XX/XX/2021 and XX/XX/2021. I called them and I told them I do not have a collection account. Further more I do not know how they have my name, address, e-mail, and phone number, I feel this is harassment and it needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a text message on XX/XX/XXXX from my general manager at my place of employment letting me know someone was trying to get in touch with me and he gave me their information. I called the number and gave them the reference number. I was then transferred to a gentleman claiming to be from XXXX. He had all my information, social, amount I currently have available on my credit cards and so on. He told me I owe money for a credit card I had in XX/XX/XXXX. I asked why I had n't received anything in the mail and he told me they had sent it, the mail service can be unreliable. I said I wanted something in writing from them, to prove they are who they say they are. I mentioned that I had n't seen anything on my XXXX credit report and he said it was because I needed to check my XXXX one. I told him bottom line I did n't feel comfortable settling for XXXX and issuing a credit card payment without any knowledge of who they are. He said he could send me a generic email, that would n't pertain any type of payment information to set up, just general information. I was leaving for work at the time and he did send the email which did n't even contain a letterhead. I google searched the number they had called from, XXXX, and found numerous complaints about threatening and harassing calls. I also bought my experian credit report and found that a company, XXXX ran a credit check on me on XXXX XXXX, which would explain how he had all my information. I searched that company and found a phone number but when I called that company it was a voicemail saying if I left a message someone would return my call in 24hours. I left it at that. Then today, XX/XX/XXXX around XXXX someone claiming to be from XXXX? called my place of employment asking for the address and my name, my employee then gave the phone to me. It was a woman claiming to be from a processing server company who told me they were planning to come to my place of employment within the next hour to serve me with papers that would require a signature, I said that was fine. She then repeatedly asked if I wanted a number so I could call and have the serving of the papers rerouted, I said no, its fine. She asked what time I would be here until and I said I 'll be here all day. It 's now XXXX EDT and no one has shown up. I explained to my general manager what was going on and apologized for the phone call. He told me that when he was contacted yesterday the woman on the phone was telling him they needed to contact me immediately or that was it, I would lose my chance of any resolution. He also said that he was received numerous call from who he assumes is them again today but he was not answered to avoid any further problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Bread Financial 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some collection agency reported a {$6600.00} collection balance on my credit report yesterday. Prior to this phantom collection account appearing on my credit report, I have received no communication from this agency whatsoever. No calls, e-mails, letters, or anything. Without notice, they just reported it on my credit report. According to the Fair Debt Collection Practices Act, this collection agency was supposed to supply me with a 30 day notice to dispute the debt, before they put anything on my credit report. I certainly would have contested it, because I do not owe {$6000.00} to anyone. Therefore, since Plaza is in violation of federal collection law, I demand that they remove this unfounded collection account from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Since XXXX, I have tried to get my free annual credit report from XXXX. I submitted online inquiries, which were rejected because my personal data could not be confirmed. I submitted multiple inquiries over the phone, which were ignored. In XXXX, I mailed an inquiry with all the supporting identity documentation and a coverletter. I can see that the envelope was signed for and received on XX/XX/XXXX. Since then, I have emailed with no response. 

Therefore I need assistance in getting my credit report. Any help that you can provide is 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 explanation
Consumer complaint received 2015-07-06
Company: Atlanticus Services Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-28
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Several items on my account I've disputed to get removed are over 10-15 years old and settled accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
American Express serve prepaid card Claims to o have close my account with a remaining balance they say I have committed a crime of loan fraud and have no other options I sent a XXXX dollar payment to my mother in 2020 XXXX XXXX and had issues with the card thereafter they will not release the remaining balance which was added in the form of cash and has nothing to do with the loan the XXXX worker who loaded the card eluded to this being my last deposit your assistance required This is definitely community intervention as it give the card holder the ability to do things immediately which is not helping which the community is adamant that's why I'm here it is not helping to the surrounding merchants when you order what you immediately need on line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2020-01-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I began the banking day with a positive balance of {$450.00} before the banking day began there were 4 transactions that were presented on my account 1. ) for XXXX 2. ) for XXXX 3. ) for XXXX and 4. ) for XXXX. The bank decided to pay all four charges. The total for the first 3 transactions is XXXX. The way in which these transactions were processed on my account it caused me to have 3 overdraft fees instead of 1 for just the XXXX transaction. The transactions were processed so that they caused the greatest overdraft. I spoke with the bank they gave not given me a specific answer as to how transactions are processed and in which order. I am told a overdraft fee is put on the account the moment when a account becomes overdrawn even if the transaction that causes the account to become overdrawn is only an authorization charge and not a final charge. I believe that overdraft fee should be assessed if a transaction post. I have even put money in my account before the fees were assessed and before the end of the banking day and still was charged a fee On another instance the bank also used a bank account maintenance fee to cause an overdraft when the fee itself is imposed on the account for banking with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Chrysalis Holdings LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My closing date was XX/XX/24. The Attorney arrived at my home with only one set of closing documents. I asked her about the copy for my records? She stated she only had one copy. I advised her I will follow up with the lender. I then emailed my loan officer who advised me he will send a signed copy once the loan package was received in his office. The rescission period ended on XX/XX/2021 and I have yet to receive a set of documents. I never had the opportunity to review the package during the rescission period. To date I have no idea where to send my payments or anything else for that matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I have a rush card and I am unable to access my funds since XX/XX/2015 I am a single parent and I am in need of my funds I reported this issue to my employer and my employer stated my funds were already loaded to my Rush Card when I call customer service for Rush Card the first time I waited XXXX hour and XXXX minutes to speak to a representative this was on XXXX XXXX they stated they were going to issue me another card and I should receive it no later than 7 days, to this date I still have not yet received my new card. I have called customer service to check on the status of my account to only be hung up on numerous calls. I am frustrated that no one can help me with my questions I can no longer be without money.I emailed Rush card and no one has responded back to my concerns.

Company response to consumer: Closed with monetary relief