BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information

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 2019-12-17
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$440.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-11-23
Company: Nationwide Recovery Systems, Ltd
State: GA
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 accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX.

1 ) NATIONWIDE RECOVERY SY {$990.00} 2 ) NATIONWIDE RECOVERY SY {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX XXXX {$460.00} 5 ) XXXX XXXX XXXX  {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice of debt owed today XX/XX/XXXX from Commonwealth Financial Systems in the amount of {$69.00}. I had no idea what this was for or that it was even valid so I called them to confirm they were legit and asked what this debt was tied to and when it was from. I was told that Commonwealth Financial Systems filed this on my credit bureau PRIOR to my even getting the notice and that if I paid it then they would remove it from my credit bureau. I told them that I had to first confirm it was a legit medical charge and then I would be glad to pay a valid bill, but I was very upset that they chose to report this to my credit bureau even before I received a bill. This is very unethical and very poor business practice. They said this was from a hospital bill from XX/XX/XXXX so this is 6 years old and this is the first notice that I have received for this medical bill. They filed a derogatory debt on my credit bureau BEFORE they even sent a bill out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I called to make a payment in response to an email I got from Navient offering a dollar for dollar match on my loan. I talked to the agent on the phone and they stated if I made a payment of {$710.00} that would bring my account current. I made that payment. 

I have received multiple calls every day from their accounting department trying to collect payment and I've explained to them that I made a payment on the dollar for dollar offer. Now they are stating that only pays interest, and I have been credited {$0.00} to my account and that I still need to pay {$710.00}. They also threatened to call my mother, who is a co-signer of the loan I took out in XXXX - XXXX. 

My original loans were for a total of {$37000.00}. I have an outstanding balance of {$30000.00}. I have made a total number of payments of {$95000.00} throughout the lifetime of the loan so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke to this debt collector several times, each time I disagreed on the amount and requested for detailed invoice including payments made to the account. I never received the detailed invoice. I also spoke to the Creditor twice and requested for details but they asked me to contact Synerprise. 

On XX/XX/2020 ( letter dated XX/XX/XXXX ), I received a bill from Synerprise to pay the past due amount. On XX/XX/XXXX, I received a phone call from a Synerprise representative. Again, I told him that the amount was not correct and requested him to provide me detailed bill including payments on it. The representative was very rude and kept telling me to pay the incorrect amount. At that point, I told him that I will report him to an agency in Texas. THE NEXT THING I RECEIVED A NOTICE FROM CREDIT REPORTING AGENCY THAT SYNERPRISE HAS REPORTED THE COLLECTION AND MY CREDIT SCORE DROPPED BY 90 POINT. My student loan was denied due to having a collection in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: TX
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 filing this complaint as Experian and XXXX have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report

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 2015-12-17
Company: BB&T CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.

Company response to consumer: Closed
Consumer complaint received 2016-12-15
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Issue : Unfair Debt Collecting and Reporting practices by Fed Loan Servicing is prejudicing my ability to buy a house XXXX LA flood. Specifically- there is a difference between the information I can access about my four ( 4 ) student loans on the Fed Loan Servicing website- which shows a bill- pay this amount by this day and no days delinquent- and Fed Loan Servicing 's reporting to the credit reporting agencies- continuing to show it as past due and delinquent. I paid the amount demanded to bring account current- via the website- and am making monthly payments and they are not being reflected my credit report or score. 

Chronology : loans were in default, XX/XX/2016- fed loan said going to transfer to collection agency. Present- still not transferred and no timeline to transfer. 

XX/XX/2016, I paid amount to bring all accounts current via the website. I have paid the requested amount of the pay this amount by this date listed every month. 

Present : the website for fed loan reflect 0 days delinquent. However, Fed loan is reporting it more than 180 days delinquent to the credit companies. 

The website does not provide account numbers, or my name asssociated with the payments- it only shows there are four loans and the amounts of each. I asked Fed Loan for a verification letter and was repeatedly told that : 1. the loans were in litigation status, 2. I had to wait for the loans to be transferred elsewhere to address it, 3. the Department of Educations does not have these loans, I have paid all of the loans with the Department of Education XXXX 

Further, they report that I still have to pay the loan because it is due, which I am paying, but will not report that I am paying the installments because they categorized it as deliquent ... even though I paid the inflated amount to bring the account current and they have accepted all payments. 

The problem with Fed loan 's response is that they will not let me speak to the credit department, the reporting department, or anyone who can make any decisions. There is a complete difference between what the website reflects on my accounts and what they are reporting to XXXX and there is no way for me to remedy or address. I filed disputes with the credit companies, submitted proof to Fed loan servicing and am told- even if i paid every month forever on the website- it would be reported as delinquent to the credit agencies as past due 180 days every month forever until this is paid in full. 

The call center supervisor said they are allowed to do this by and FSA law- when asked what law, she did not have one to cite. I asked for the legal department, she would not let me speak to anyone there, i asked for a manager or supervisor, she would not let me speak to anyone else. I asked for the credit department and she advised they wo n't speak to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of XXXX I have been contacted multiple times via telephone by a debt collecting agency, Americollect. They have been contacting me about an outstanding radiology bill in the amount of {$1800.00} from XXXX XXXX. That bill was generated from a hospital stay at XXXX XXXX XXXX XXXX in the state of Florida from XX/XX/XXXX-XX/XX/XXXX.The information Americollect had was my first name, maiden name, and my date of birth. My maiden name has not been my legal name in 12 years nor have I used my maiden name in the past 12 years.The address they have on file for me is not my address nor will you find any record of me residing at or near that address. I have never traveled to the state of Florida or have ever been hospitalized and needing radiology services. I have told several Americollect customer service reps including a supervisor that they have the wrong person and this is not my debt. They kept wanting me to give them my social security number to look into the matter further and I declined. I have not heard from Americollect in almost 1 year so I thought that this matter was taken care of and they moved on with their hunt.. On XX/XX/XXXX when I was doing financial business I was made aware that Americollect had entered 7 counts of unpaid debt to my credit report. Americollect has no proof that this debt is mine and did not have the right to make negative marks on my clean credit report.This has caused defamation to my name and a financial hardship. I have a police report and several personal documents confirming I was not in Florida or hurt in a hospital getting radiology services on the dates listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: LA
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 filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report.

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 2016-04-17
Company: SUNTRUST BANKS, INC.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.

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 2020-06-18
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Client Services Incorporated. 

This Company is harassing me for a debt that they claim that I owe to XXXX ( XXXX ) at XXXX. 

This company has consistently called my cell phone several times a day, they have been harassing me without even prior verification of the debt that they are claiming that I owe. 

The enclosed collection letter, I just received from them on XX/XX/2020, and I want to make it clear to them that I do not owe XXXX any amount of {$410.00}. 

I did not run up any balance of {$410.00} to the above named creditor, and I want this collection agency to cease and desist from contacting, and harassing me, or I will contact an attorney. 

I want Client Services Incorporated to remove any, and all collection information that they have placed onto my credit files, as well as their company files. 

Any communication from this company is to go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed any, and all derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state, as well as I would like for them to provide their license numbers, and Registered Agent documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation