BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of 2022. 
I have two medical bills in the amount of {$340.00} and {$810.00} that an out of network provider is charging without my prior authorization.

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 2022-11-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
During application to citi credit card I was promoted for citi checking account. The term of the offer was the following : " Citi is offering a bonus of up to {$1500.00} when you open a new checking account in the basic account package. The bonus is tiered depending on how much you deposit within 30 days of account opening, this amount also must be maintained for 60 days. 
Deposit {$2500.00} & get a {$100.00} bonus Deposit {$5000.00} & get a {$200.00} bonus Deposit {$15000.00} & get a {$400.00} bonus Deposit {$50000.00} & get a {$700.00} bonus Deposit {$200000.00} & get a {$1500.00} bonus " see attachment for details. 
I met the requirements but I did not receive the promo bonus

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 2015-12-18
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ... Balance : {$450.00}

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 non-monetary relief
Consumer complaint received 2016-02-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My workplace just got served a set of " legal '' Civil Division papers a day ago for some debt that I supposedly owe in the amount of over {$3000.00}. I had my Identy stolen over 15+yes ago at a local shopping mall. I reported all the cards stolen within a matter of an hour after I noticed it gone. That was XXXX. Here it is XXXX and my employer has got legal paper to garnish my wages for some debt I do not owe. I do not and have not had any credit card accounts since XXXX and the only asserts I own are my car and XXXX bank account that I have had over 20+yes with the same bank. The papers my employer received were a labeled LVNV FUNDING LLC ( plaintiff ) I have not received anything in the mail about this at all and again I have no Credit or Owe? 
I am a single mom with XXXX kids and trying to make ends meet is a challenge every week and now these people are trying to garnish my wages on something I do n't owe? How is this legal or possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Financial Freedom LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A Complete Short Sale Package was submitted to Financial Freedom on XXXX/XXXX/16. 

XXXX XXXX is the assigned negotiator - XXXXXXXXXXXX. 

There is an upcoming foreclosure date on XXXX/XXXX/16. 

XXXX refuses to answer our emails or phone calls. 

We found out today that absolutely nothing has been done on the file at all. 

**We have an upcoming foreclosure date on XX/XX/2016XXXXWhat is going on??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Feir Gredit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Paypal Holdings, Inc
State: IA
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: Account Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Aidvantage on XX/XX/XXXX to request a refund of student loans made since XX/XX/XXXX as per the Biden Student Loan Forgiveness. I understand that many people are also calling in and expected a long wait time. I waited for a call back for six hours. When I finally got in touch with a representative, after most of my information was taken and without notice, went dead. The call had either dropped or the rep hung up. I called back and had to wait until four hours to reach another rep. When I finally got in touch with someone, they had to reverify the information and stated that they had to wait for a supervisor to approve the request but I should be good to go. I was given a time line of 4-6 weeks. After the six week mark, I called again to ensure that my request had been processed correctly. I waited for a rep to answer and when they did, they were busy speaking to someone in the background for about a minute before they realized I was on the line. He wanted to confirm my identity, in doing so, he read my social security number out loud, I assume within hearing distance of the person he was talking to previously. I was appalled that he would even read my social security out loud. I have never had a rep from any company do that before. After explaining my situation, he assured me that the my loan had been processed and it was now a waiting game. I called again at the 8 week mark and was told by the rep that there was nothing they can do on their end to expedite my request, although I have read by other people that some reps will expedite their requests. I have checked my Aidvantage and student loan account every day and my balance has not updated to reflect the new amount. I have just hit the 11 week mark since the initial request. The reps have been giving me the run around with different information every time I call about how long it will take to process my request. I am trying to be understanding but it has been almost three months and my account has not moved. I am beyond frustrated with Aidvantage and can not sit idle any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/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 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has frozen my EDD account. They have given me no reason for the account freeze. When asked they have told me to contact California EDD. I have contacted California EDD and they have told me there is no reason for the account freeze from their end.

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 2015-07-29
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
In XXXX XXXX I became a victim of predatory home loan lending when I secured a home equity line of credit with XXXX XXXX Loans. XXXX XXXX XXXX purchased XXXX Home Loans & subsequently transferred my Heloc loan to a company called Realtime Resolutions. I have contacted this company to offer a settlement of 10 % of the loan balance even though the loan was made available to me by XXXX using the following predatory lending techniques ; stated income in an amount that exceeded my real income at the time by more than {$5000.00}, using only my name on the loan and not both my husband 's and my name on the loan, and using an inflated home value created by XXXX real estate appraisal company called XXXX. In XXXX, XXXX XXXX XXXX through XXXX approved a Principle Reduction on my primary loan based on the true fair market value of the property. A principle reduction or extinguishment of the Heloc loan should be awarded me based on the unfair & predatory lending procedures used by XXXX when to award me the loan. I recently addressed this issue with Realtime Resolutions and was told by XXXX XXXX that there were no updates from XXXX XXXX XXXX regarding any settlement awards being offered to those customers whom XXXX XXXX XXXX had transferred Heloc loans to Realtime Resolutions for collection activity. I spoke with XXXX XXXX XXXX customer service and was told to contact Realtime Resolutions to seek a settlement offer. I am truly getting the run around between XXXX XXXX XXXX & Realtime Resolutions to have the Heloc loan settled under the same terms as the primary loan via the facts of the lawsuit won by the XXXX against XXXX XXXX XXXX in XXXX & in XXXX of XXXX. Please assist me in requesting that the Heloc loan assigned to Realtime Resolutions for servicing and collections be transferred back to XXXX XXXX XXXX since XXXX XXXX XXXX is the owner of the note and should apply settlement provisions to this note as were provided to the primary home loan via the XXXX lawsuits. The burden of not settling this loan either by extinguishment or by agreeing to a 10 % settlement results in my debt to income ratio being horribly distorted, having a continual decline in credit scorings & ratings by the XXXX major credit bureaus, being offered consumer credit at very high rates up to & including high interest rates on car loans, credit cards, insurance payments and the denial of credit offerings. In addition Realtime Resolution continues to negatively report on this account to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.

Company response to consumer: Closed with monetary relief