BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Bridgecrest Acceptance Corporation
State: SC
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:
Bridge crest is the loan company for XXXX This was never a loan as the car my son received was not working and they are picking it up. XXXX paid for the two months that they left it sit in the driveway. They insist on having it delinquent on my account and still showing late fees, it was never an active loan. I want it off my credit report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
There are a bunch of hard inquiries that I did not apply for those cards or services

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 2015-12-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them, uprooting my XXXX children from their school XXXX of which has a XXXX. The fact the the credit bureaus did not further research what was placed on my credit which is illegal for a XXXX party purchaser to do has ruined my life. XXXX has refused to help me. They constantly transfer me to their other company XXXX who claims they do not need to provide me with information on this account, they hang up on me, they lie to me. I have never had any contact with this company up until XXXX when I called to figure what this was. That is when I learned by talking to an attorney, the courts and reading in detail about this for numerous hours that this is illegal. I can believe that the credit bureaus have the ability to ruin ones life with just one mistake such as this. I want this removed off my credit from all XXXX credit bureaus immediately. Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A family member, one of my sisters, told me of a company called Vance & Huffman had been calling her daily and leaving voice mails stating they needed to get a hold of me for me to fill out paperwork. My family member finally was able to answer one of their calls to try and end their constant contact, she was at work when they called and unable to answer her phone. They again told her I had paperwork with them that needed to be finished but refused to state anything further when she questioned them. 

I researched this company online and found they have numerous complaints against them via the XXXX. Some other reports I found state they use phishing techniques to gather confidential personal information. 

I received a letter from Vance & Huffman stating they purchased my XXXX XXXX XXXX account and I owe them {$670.00} and if I do not reply in 30 days they will assume the debt is valid. 

I had run my credit report on XXXX/XXXX/2016 and the account they are claiming does not exist. I did have a XXXX charge card years ago and it has been off of my credit report for 2 - 3 years now, it was paid and closed. After researching this company I am leery contacting them via a phone call since they would now have my phone number, demanding money for an account that does not exist is why I am contacting you, I doubt my phone call would do any good in resolving this issue, I obviously want to avoid this company having any more information on me as possible.

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 2016-10-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

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 2016-11-29
Company: KEYCORP
State: NV
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I lost my XXXX XXXX I called Key bank credit card to inform them, I then asked to speak to someone in the hardship department. I missed an XXXX 2016 payment, In XXXX I called them they said to send in XXXX, I still asked to speak to someone in the hardship program they said I had 60 days to pay XXXX, when I called back they said I was misinformed. I am speaking to representatives from XXXX who would not even give me the address to the hardship program. I have been sending in payments and they refuse to work with me and continue to add on late fees and higher min payments I am sick and still disable with out any income other then my children helping me stay on track but the refused to help when all my other credit cards have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: KEYCORP
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Arbor Residential Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was sold from one mortgage company to another. the first mortgage company was XXXX. The loan was then sold to Seneca mortgage. Upon taking over my mortgage Seneca forced me to increase my loan payment to cover what they thought was a shortage in my escrow account for taxes. The taxes had been paid at closing of the original loan. I contacted Seneca and attempted to explain this to them, including sending them documentation of checks cashed by and closing statements proving the funds had been paid. Seneca still required monthly over payments from me. After calling them on three different occasions they finally told me an escrow analysis would be done. This they said would correct any problems. On XXXX XXXX they cut me a check for the overages I had been paying. Then on XXXX XXXX they sent me a letter stating they made a mistake and I should return the monies. I 've been hung up on three times trying to correct this issue. I 've been left on hold for over an hour. And had my call dropped they did n't want to address the issue. Seneca has some major customer service issues.

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 2023-03-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 I contacted Pro Collect to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. None of the companies provided verification. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something. I did not make any of this up, this is directly from congress!

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 2016-09-12
Company: TCF NATIONAL BANK
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: United Accounts, Inc.
State: MN
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:
The collection agency never notified by mail or phone call that I owed them money. In addition, the only reason I found out about this was they filed a judgment on my XXXX credit report. I filed a dispute and XXXX removed it immediately. However, the collection agency turned around and place the judgment on my XXXX credit report the next day. This is not even my debt how is the collection able to file judgments on anybody? By the reporting this false information my credit score dropped by over XXXX points, and I have been turned down for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Russell W Richardson, Attorney at Law
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XX/XX/XXXX I was accepted into a new school XXXX XXXX XXXX XXXX. When I applied for a loan for school the XXXX website was not able to locate a school code for XXXX College XXXX XXXX. I made this problem aware to XXXX College XXXX XXXX XXXX founder XXXX XXXX XXXX XXXX. We sat in his office doing the loan application on the XXXX website and he entered XXXX College XXXX XXXX school code and claimed the XXXX schools were associated. XX/XX/XXXX I arrived at school to find that the school was forced to shut down by the State XXXX. Later I attended court hearing and learned XXXX College XXXX XXXX was never associated with XXXX College XXXX XXXX and was not aware of XXXX XXXX XXXX XXXX and XXXX XXXX misleading students. The state found XXXX XXXX XXXX XXXX and XXXX XXXX guilty of misleading students about accreditations, failed to make statutory disclosers and produce records and illegally accepted payments. XXXX XXXX XXXX XXXX and XXXX XXXX are not to ever conduct business in the state XXXX. From the lawsuit no money was given to me to repay the school loans that were acquired under false representation. I am asking for my loan to be discharged from American Education Services but have been getting the run around for almost 8 years. I never received my degree XXXX. I am a single mother and there is no way I can afford to pay off this {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: States Recovery Systems, Inc.
State: NV
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:
States Recovery Systems Inc added XXXX accounts to my credit file, via XXXX, after lots of back and fourth and disputing the XXXX collection accounts with XXXX they have not removed these accounts. Account XXXX has a total of {$47.00} owed and account XXXX has a total of {$35.00} owed. I agreed to pay these amounts even though they are fraudulent accounts and I have no knowledge about them, if they remove from my credit report. They refuse to do so. So now I do n't want to pay them, I just want them removed from my credit file. I have filed a police report and send all information they requested, but they will still not delete from my credit file. These items are not mine, I have never been a XXXX customer and I want them removed from my credit reports, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.

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 2017-01-12
Company: Premier Portfolio Group
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
These people call me five times a day from different numbers. Asked them to stop but wo n't. Want personal info like credit card number and bank information.

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