BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: R.M. Galicia, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We had set up a payment automatically through our Debit Card from XXXX with XXXX XXXX Hospital, and because our bank sent us a new Debit Card ( when XXXX and XXXX XXXX were hacked and all banks sent new cards to customers affected ), our payment did not go through with the Old/Cancelled debit card, but we did n't know it at the moment it happened. My husband went ahead and made the payment and brought the account current, but I received a 30 day past due mark of delinquency on my credit. I disputed this through XXXX, but I have not seen any updates and no responses from Progressive Management S Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Phone # XXXX. They are the Collections agency for XXXX. 
I would like the 30 day mark deleted from my credit record, since it was an error, not a missed payment. 
thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Experian in reference to some fraud activity in my credit file. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is an address of XXXX PA XXXX which I have never been associated with. Seondly the credit accounts have been removed. As I stated and provided proof I was incarcerated until XX/XX/2016. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below and the address mentioned above. 

XXXX XXXX Bank Date:XX/XX/2016 XXXX Date:XX/XX/2016 XXXX Bank XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2022-01-03
Company: The Receivable Management Services LLC
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:
Receivable MGMT does not have a contract with myself. The FCRA requires a written contract. Receivable MGMT has not provided verification. Only a final bill that is not itemized nor does it reflect the actual account holder. I was not given an opportunity to dispute, because I do not live at that address. 

By law, receivable MGMT is required to remove any negative reporting while they investigate, the are not legally able to keep any inaccurate information on my report while they try and find validation. They should have this documentation already if they intend to collect. 
This account was protected under the CARES act and was communicated to the original debt holder which is NOT Progressive. I plan to follow up with the State Attoney Generals office

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 2020-06-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They have a XXXX annual fee to use airport lounges that have been closed since XXXX and I asked for a partial credit and they denied. All other premium credit cards have already offered this but Amex and their foreign customer service agents just dont comprehend why this is an issue, they sound like robots reading off a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2015-09-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Loans paid as agreed, lender phone calls and correspondence confirmed however no resolution or changes to my credit report or performed by the agency/financial institution for fair credit reporting timelines and or act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a car loan on XX/XX/XXXX. I was denied credit because of my score, My income was great. I sent a letter to the ceo saying " The purpose of this letter is to inform you of what your business is doing is in correct. An error has been made on record and I'm responding to help you fix it. I, XXXX XXXX XXXX, Living person beneficiary to cestui que trust XXXX XXXX XXXX, applied for credit on XX/XX/XXXX. The vehicles XXXX XXXX is XXXX. I was denied. The car referenced is {$82000.00}. Im not trying to sue nor arbitrate your business. 
I have full faith and credit & I have rights to extend as much credit as I choose to give your business. An application was submitted with your business. I gave you credit after the application was submitted. Your company are Trustees in a fiduciary obligation. Your business is to fulfill their duties in the Trust. If your business not then fulfil their duties then a crime is committed by your company. This trust fraud. The law in which I am quoting is 15 U.S. Code 1.

In the truth in lending act 15 U.S Code 1605 & 15 U.S Code 1662 there is no cash is involved in a credit transaction. No down payment is required in connection with any extension of consumer credit. 
Fix this issue immediately as I am at risk of losing the desired vehicle. '' I am demanding wells fargo to open up my open end credit plan for the {$82000.00}!

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 explanation
Consumer complaint received 2020-06-11
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a  ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion will not do a proper investigation. They continue to say the the accounts were verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.

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 2022-01-03
Company: ALLIANT CREDIT UNION
State: NY
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 filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.

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 2022-01-03
Company: EQUIFAX, INC.
State: MO
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 been contacting the credit bureaus and auto loan company for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.

Company response to consumer: Closed with explanation