BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-09
Company: Grant Mercantile Agency
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was debt was paid by my insurance company which I have attached was paid to XXXX XXXX in the amount of {$680.00}, and I have filed numerous disputes with XXXX regarding this account from XXXX XXXX XXXX, however this has been paid and submitted to XXXX XXXX XXXX with a Certified Letter which I have verification they received. I would ask that you please ensure that this Collection Agency remove this erroneous item from my Credit Report? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX : Spoke with the collection agency to resolve the account. The agent told me the account was not past due because the company tried to collect payment using my checking account they had on file ( 3 ) days prior to my call. The payment was returned and that meant the account was still open because the attempted payment was made. The bank account the company tried to use has been closed for 2 years. 

This is not right. I did not authorize any sort of payment. This account has been in collections since XXXX. They are claiming {$1400.00} is owed but I only borrowed {$700.00}. 

They refuse to cooperate with me, continuously stating the account is not past due because of the attempted payment. I asked to speak to a supervisor, was transferred to a voicemail. I left a message and never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my 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 2017-07-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: MRS BPO, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to make payments and I believe these are not reflected on the XX/XX/XXXX debt collector letter. MRS BPO , LLC I think does not know that I made ACH wire payments, one including over {$100.00}, to XXXX XXXX XXXX account # XXXX. 

I would like an acknowledgement from MRS BPO , LLC that on XX/XX/XXXX at XXXX I made, according to my records, an ACH wire payment of {$120.00}. I do not believe that MRS BPO , LLC has credited this amount on my account. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I contacted Fifth Third to request prior banking reports.On XX/XX/XXXX, I tried to reconcile with Fifth Third Bank, and their customer service representative refused, to resolve matter.I was told to contact you credit company about new account pending to be open with Fifth Third Bank.In XX/XX/XXXX Fifth Third Bank representative asked me if I needed payee amount paid from my account.I didn't request this information.I reported information to another service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: AL
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 recently found out I was a victim of identity theft and contacted Equifax about two collection accounts that are appearing on my credit file. The two accounts are a result of identity theft and I have never opened nor had an account with either company. I contacted the companies to let them be aware but it seems like I was going in circles regarding this very serious matter. They are unwilling to assist me with evidence linking me to the accounts. I have exhausted myself contacting them so I contacted Equifax and asked for an investigation. As of XX/XX/XXXX the information still appears on my credit report. I have sent letters and faxes to equifax asking them to delete/remove the inaccurate information that is ruining my chances of getting loans and buying a house. Could you please remove them and contact Equifax. I would like them removed as soon as possible.
The two collections that are 100 % fraud as a result of identity theft are : XXXX XXXX Original Creditor : XXXX Balance : {$420.00} Opened : XX/XX/XXXX XXXX XXXX Original Creditor : XXXX Balance : {$150.00} Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the XXXX XXXX XXXX account in XX/XX/XXXX with the express purpose of taking advantage of the advertised XXXX months, XXXX %, balance transfer offer. They granted a credit limit of {$9000.00} and I waited for the card. The card did not arrive as promised. So I called back to say, can I have a card and use the balance transfer option, please? At that time they said they would not allow the balance transfer but would send new cards. I said ok, how long is the offer good for? They indicated you should still have time to use the balance transfer option once you receive your new cards.
This cycle repeated several times.
I finally received the card for this account on XX/XX/XXXX. I activated my account early XX/XX/XXXX.
I did the activation and noticed that the offer was n't there. I called customer service. The initial associate and a XXXX both indicated that the promotion was only good for so long and the account was opened in XXXX. They allowed me to have a XXXX % for purchases until the end of XX/XX/XXXX and no balance transfer options were available at this time. I did n't stay on the phone only to get the same answer from a third associate. I got no solution from them. I am not allowed to transfer the balance. I have an inquiry on my credit and wasted time. I do n't want the ability to purchase on credit anymore. I am working out of that phase. I think I was scammed. I could not have possibly taken advantage of the advertised offer. You need the card to do so and the entire period of the offer I was waiting for the card to arrive. I have paid off a lot of revolving and static debt. I had approximately $ XXXX in consumer non-mortgage debt at the beginning of XX/XX/XXXX and now I have approximately $ XXXX. My credit score has fluctuated between XXXX and XXXX, where I am now. I have no student loans, car notes, home improvement notes, etc. I work and live within my means. I, unfortunately, understand this strata of consumer debt peddler a bit too well. They remind me of XXXX XXXX from XXXX XXXX, a den of XXXX and villany. Seriously, why grant XXXX % until XXXX months down the line except they know you 'll hold a balance like a life sentence? I get there is a XXXX % fee to do something like this and generally understand how credit cards work, common terms and conditions, etc. I took the offer only because I thought it would further my goals of becoming debt free with the exception of the mortgage on my home. Avoid Citibank, XXXX, and anyone the rebrand into. I think this firm has lying to you and fleecing you as part of their business strategy and standard operating procedure.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account Name U.S DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX XXXX 2017 I called Equifax to have the address on my personal credit report changed since the address that they have on file as my current address is outdated ( I have n't lived there in 2 years ) When I spoke with someone on the phone, they told me I had to upload either a deed, mortgage, lease or current utility bill in order to change it which I did over the phone with the agent. He told me that he received it and verified me over the phone for my protection. He told me that he would be able to change the address to the correct address right away but it would not show up for another 48 hours. On XXXX XXXX I checked my Equifax report AGAIN and it was still showing the old address so I called AGAIN. I was bounced to several departments to end with the " special unit '' department that had authority to change the address. After being on hold for 40 minutes while " she updated my address '' she then hung up on me. I am tired of being bounced around to do a simple address change, I have given them all of the verifying documents that they need and they even confirmed that they received a copy of my recent gas bill with the right address and verified me over the phone several times. I feel like my rights as a consumer are being violated according to the Fair Credit Reporting Act which states that credit bureaus may only report information that is ACCURATE and VERIFIABLE. My OLD address reporting as my CURRENT address is neither one of the above and even with VERIFIABLE proof of my identity and the new address they refuse to change it. This is frustrating and I want it fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had booked nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX for {$250.00} for a trip in XX/XX/XXXX. The trip was cancelled due to XXXX, but the hotel extended a voucher to me through XX/XX/XXXX. 

The hotel ( managed by XXXX XXXX and their bank XXXX XXXX XXXX  XXXX ) went out of business and was reopened under a new management company before my stay. I was contacted by the hotel a week before the trip and told that I would have to pursue getting a refund through Citibank. ( emails attached ) I processed a dispute with Citibank who sent me a form to complete and the documents required. I was assigned a case number and never heard from Citibank again. I continued to contact customer service by phone, walking into a branch, and through social media and NEVER received any mail, email, call, text, or any other communication. Sometimes, Citibank would send the same initial form as if it was a new case. I got different stories from customer service each time I called. A couple of times I was told Citibank would mail me information or the case was denied. An employee at my local branch assisted me in sending the appeal in case via fax. ( email chain attached ) I have documentation for what I have described here + additional text messages with the hotel management company further instructing me to work with Citibank plus a record of the times I reached out to Citibank including screen grabs of conversations.

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 2022-01-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX PM The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Winklevoss Exchange LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Deposited {$500.00} directly into Gemini Exchange to buy crypto on Friday, XX/XX/2021, with expectation that I could withdraw within 1-3 days. Before I deposited I also submitted verify my identity with valid drivers license and sharp image quality. Sent two support ticket emails and have not heard back to original request or follow up inquiries. 

After reading more reviews online, I am hearing that many have experienced this same issue. Im only looking for a response and/or approval of the identity verification requirement. Thank you for any assistance your organization can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Eagle Home Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told my eagle home mortgage on XXXX that I am conditionally approved for a loan to purchase a new XXXX XXXX. I provided all the conditions they needed and thought everything was good to go. Then on XXXX which is 3 days before closing they told me I am now not approved because I have not been with my current job for 6 months. This is information they already had since day 1. They have wasted my time when I could have gone with another lender to begin with. Now I wont be able to close on my home and potentially lose out on the house all together because of their incompetence and lack of communication. Throughout the entire process that was started with pre approval on XXXX they have not been forthcoming in communicating with me. When I would ask for an update I would get excuses as to why my loan wasnt being worked on or further along. I have been told everything from management issues to was on vacation. I feel like they have caused me unnecessary stress and wasted my time.

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 2019-10-21
Company: Experian Information Solutions Inc.
State: AL
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:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, SUN LOAN WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY 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 2022-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Got a letter from apple recovery service saying they are collecting for credit acceptance corporation for the amount of XXXX dollars. I have not never bought a car or anything else for anything close to That amount of money I did not make this loan or any other loan for this amount. This is a fraud or they got the wrong person

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 2022-01-29
Company: Experian Information Solutions Inc.
State: OH
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 have sent duplicate letters to Experian requesting for them to provide proof of how they verified a bankruptcy on my credit report. I sent them certfied letters twice and I then reached out to the company by phone to ask why they have not responded and their response was " they don't have to ''. I am reaching out to request help with this issue. experian is reporting a bankruptcy on my credit report and has been refusing to provide information on how they verified this information. This is affecting my ability to move forward in life such as employment and housing. I am providing proof of the letters I have sent as well as the USPS certified receipts. I am humbling asking for help with this issue.

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