BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: National Management Recovery Corp. (NMRC)
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have gotten several calls from particular number with automated voicemail. Call back and it has voice message of XXXX XXXX and someone else everytime. Couldn't find any info when looking up number. Just got call from a new number and voicemail was left from XXXX XXXX saying to call back. Looked this new number up and people said it was from law offices of XXXX XXXX or National Management Recovery Corp as both have same address. I check mail everyday and I have NOT received anything in mail from either place as far as I'm aware so have no idea what it's for. I'm pretty sure that is required for people collecting debt is to send written letters in mail stating what the debt is, how much etc. The number they call is my only number but I don't answer calls that I don't know or don't know what they are for and in this case after finding out who they are I'm not going to answer and talk to someone about supposedly a debt that I have no written proof they have and have no idea what it is for. Have called several different times now. Don't want them to start calling other people that I don't live with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
In accordance with the Fair Credit Reporting act US DEPT OF ED/GS 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 an 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 2021-07-21
Company: Atlanticus Services Corporation
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The ending of XX/XX/2021 a XXXX excercise bike was order thru Fortiva Retail Credit amount was {$2000.00} and the bike was {$1400.00} I had for almost 2 weeks but I decided I wanted to return the bike due to not being fit for me so I contacted the merchant Fortiva Retail Credit and also XXXX and made return request to have them pick the item. they received the item on XX/XX/2021 which was credit back {$100.00} and {$1300.00} just before that a payment was due on XX/XX/XXXX which I made a payment of {$82.00} before the due date and I still return the item back to them. Now after they received everything back and I don't have nothing of theirs they sent me a statement stating I owe them {$45.00} for what?? I don't know, I am not late on anything I contacted them 2 times already and nothing is being resolved but the representative arguing with me about the balance owing. I asked them to explain what I owe them for she tried to say that before the purchase and I explain I gave everything back and on the statement it stating late fee which I didnt have a late payment at all but they trying to charge me {$45.00} for what they can not explain I asked for a supervisor or manager and gave me a dispute number XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Equitable Acceptance Corp
State: MI
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 thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I submitted a 609 letter to the credit bureaus the accounts were removed for a week and placed back on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed Wells Fargo over XXXX and that if I did not agree to pay them, then Wells Fargo would sue me for triple the amount. They also said that I would be responsible for a XXXX court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.

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 2021-06-16
Company: Exeter Finance Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/2019, I had called Exeter multiple times ( my SUV loan company ), that I wanted to pay extra money on my SUV payment for PRINCIPAL ONLY. I was current on my monthly payments but was told that I could only apply PRINCIPAL ONLY money if I was 3 months ahead in my payments (? ). I have never heard of this before and it was obvious that Exeter was doing everything possible to make sure my loan extended to the completion of 72 months or 6 years. 

Exeter obviously wants to get the maximum interest on my loan. Exeter has cost me extra interest and extended my loan out to the 72 months or 6 years. I want Exeter to allow me to make extra PRINCIPAL ONLY payments each month with no 3 month payment in advance requirement AND refund me {$1000.00} for interest that I shouldn't have had to pay if I was able to apply extra PRINCIPAL ONLY payments each month. Appreciate any assistance. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX & account # XXXX FXXXX XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX & XXXX & 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 explanation
Consumer complaint received 2017-10-24
Company: ID Analytics, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at 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 explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
between XX/XX/XXXX and XX/XX/XXXX transunion removed positive information from my credit report with out my consent ... .its good positive credit that i built ..i paid it it the account showed as a positive on my credit..the creditor is XXXX XXXX XXXX ... when they removed that from my credit report without my permission i lost 25 point from my credit score ... i dont understand why transunion would do that they do not have the right to remove accounts from my report without consulting me first ... .i am very upset about this ... it took me a long time to get my credit where it is right now ... .my resolution is that transunion needs to add my positive credit that i built back onto my credit report ... .my email address is ... .XXXX ... .cell # 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 explanation
Consumer complaint received 2021-06-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Tuesday XX/XX/2021 XXXX These issues started between XXXX and XXXX of 2021 when transitioning from one bank to another because of over average over draft fees. In changing over my bill payments to Fifth Third Bank I got a form sent to me to start having my payment come out of my XXXX XXXX XXXX XXXX account on or before the XXXX of each month. I was later told by a bank officials that I must also apply online as well for payment drafting from FTB which I said didn't make sense but I did applied online to. 

I wasn't sure that everything would have went through successfully by XXXX, so I sent a payment in from a money order that I got from the currency exchange, but after looking at my account I noticed that the payment was taken out on top of the payment I had mailed in. 

I went to Fifth Third Bank and informed them as to what was going on with the double payment and I was instructed to cancel the debit on her computer and I wouldn't have this issue anymore. I also call my insurance company and informed them as well and I was told that I would receive a payment back in the mail, but the double payment continue to come in up until XX/XX/2021. 

My last memory of putting more funds into my account was on or about XXXX or XXXX at which I had a low balance until XXXX XXXX XXXX XXXX sent in another payment which put my account into the negative. My account is a XXXX because Fifth Third Bank never put my funds back into my account as promised to me several times. So I have not put any funds into my account knowing that anything that I put into my account would be eat up because of the negative balance. 

I'm looking forward to a speedy response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in EXPERIAN.COM and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, comments and Status of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX i believe it was reporting in error.

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 2017-07-02
Company: Ballybunion Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.

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 2021-06-16
Company: Bay Area Receivables, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MS , XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

BAY AREA RECEIVABLES ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt.

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you.

It would be ideal if you provide me with teh following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly

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 2017-11-08
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: Account status incorrect

Complaint:
I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?

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 2022-05-01
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:
In accordance with the Fair Credit Reporting act US DEPT OF ED/XXXX 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 an 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 2017-07-02
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.

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 2019-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One doesn't want to increase my credit limit because of many inquiries on my XXXX, XXXX and XXXX   credit report. 
Inquiries was implemented because of result of getting prequalified for a VA Loan and purchase home. 
I was just recently Approved for a VA Loan and purchasing a home in XXXX, California.VA lender is XXXX XXXX   in California and Mortgage Consultant name is Mr.XXXX XXXXXXXX XXXX fax XXXX XXXX I respectfully need a higher credit increase over {$750.00} as I am going to need items for my new home purchase. 
Also, with a higher credit increase it will help me increase my credit scores. I have a excellent payment history with Capital One for over one year.

Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not living in the state of XXXX at the time of these charges, as stated before this is identity theft and I have no knowledge of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: PA
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:
i did not have a contractual obligation with XXXX XXXX they are so inaccurate they have all kind of different dates saying i open the account they are so inaccurate its 7 years now and sould fall off my report saying i open account on the XXXX/XXXX/XXXX and on the XXXX/XXXX/XXXX this account need to be deleted from my report and not reporting no data

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