BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have just received a letter as of today XX/XX/2022 from XXXX XXXX. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX was sent to collections, I have been working with chase to pay this amount down. Nationwide credit has also not mailed me any documents for my right to dispute just a letter stating I owe money which is completely unfair. 
They have not sent any written contracts with my wet signature or a full disclosure.

This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity loan with Discover Home Loans. Originally I applied concurrent with a refinance ( from another lender ) of my first mortgage. Discover had told me it was appropriate to apply concurrently, however, I was later informed that I would have to reapply after the refinance closed ( which was imminent when I was informed ). When I reapplied, Discover informed me that the value of my home had decreased from approximately {$1.00} XXXX ( per Discover appraisal in XX/XX/2020 ) to {$950000.00} ( Discover appraisal in XXXX ). I filed a dispute but no action was taken to properly resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This debt collector has used inappropriate tactics in order to collect a debt and has withheld information regarding my debt. I have asked repeatedly for more information and they seem to not want to give out more information regarding what arrangements I can make, nor make reasonable payment arrangements. As well as, their is n't a way to make a payment online, which while forces me to call and make a payment, while sustaining the abuse.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
I have a Fifth/Third Bank 360 Prepaid Card. 
They run a scam on customers whenever they check into a hotel. The Prepaid Card held itself held XXXX pre-authorization fee whenever I checked into a hotel. They try to steal this fee if you are not paying attention and do not know when it returns. 
I want my XXXX back. This was not in the card contract. Misleading behaviors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off. I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
on XXXX XXXX 2015 and letter was sent out from weber & olcese about a debt with XXXX XXXX they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX around XX/XX/XXXX with paper work but i was never home, not until XX/XX/XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until XX/XX/XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by XXXX XXXX, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-10-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
As notified before, I am a victim of identity theft, and again I am attaching my Identification and a copy of my Social security card along with my FTC 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 2022-10-12
Company: Frontline Asset Strategies, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Frontline Assets Strategies LLC and XXXX XXXX are demanding a Police Report for their mistake in issuing credit to someone pretending to be me. 

This is a waste of the Police time and my time. XXXX XXXX should be fined for this abuse of debt collection. 

XXXX XXXX clearly does not know how to verify simple ID checks for potential new clients. They need to improve their systems and training. I think the US Gov't should fine them and turn all money over to local police departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Consolidated Recovery Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi In XXXX I transfer with my job from XXXX XXXX to XXXX  and then transfer back to XXXX XXXX in XXXX. I was receiving letters about a debt and dates to go to court for {$27000.00} under a business I opened up name XXXX XXXX XXXX so in XXXX it went on my credit with XXXX. I contacted the debt collector which is consolidated recovery credit and I asked them to send me over what contract they have and it was a contract of liability which means if a business has a balance that is owed to XXXX  they would go after the person other than the business. I asked members of my family about it and I was told they dont know anything. But I looked over the contract and notice that the dates that the application was filled out and filed, I just moved to XXXX  and so someone gave themXXXX XXXX  my social security number and address but they also gave them their personal email and phone number that I do not recognize and I informed both the creditor and collection agency and they refuse to investigate the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We made a reservation with XXXX XX/XX/XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX We had to cancel XX/XX/XXXX due an accident that required me to have XXXX. 
We informed citibank and sent them proof of our cancellation. 
We did not use paper less banking with citibank at that time .They wrote a letter and posted it on line without informing us via email or mail. They needed more documents which we sent, apparently it was a due date posted which we where not aware of until I called and followed up with them. They now claim they cant help us because we missed the due date, even though they have all the information. The amount was XXXX cents we did receive a credit fro XXXX of XXXX dollars [ damage, security deposit ]. We have spoken and emailed XXXX and citibank multiple times. 
We have been a loyal customer with citibank for 30 years, hard to believe That this is how they treat their customers.

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 2015-10-26
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX Ford Focus XX/XX/2007. The car was financed through Consumer Portfolio services. My interest rate is 17.95 %. I paid over four years and had to file Bankruptcy, they reported I still owed {$5200.00}. I was current on the car, when I had to file Bankruptcy, I feel they scammed me. And found out they have a case that was filed with the Federal Trade Commission, for these unfair practices and need help. My paperwork shows that they over charged XXXX on my debt and need help proceeding. Due to high interest I feel I am owed back that plus all the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 contacted company about the false reporting and was told it would be handled but remains in my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
I applied a XXXX Credit Card from American Express, several days later they sent me a letter to ask for my Social Security Number. So I mail them the copy. Then I got another letter from them again, being told that the copy is not acceptable. They did not tell me what they need exactly in the letter, when I called, they said they need the original letter from SSA office. So I went there, waited for about XXXX hours, and the officers told me that they already stopped issuing so-called " original Letter '' from XX/XX/XXXX. So, how can I get that? I called American Express again, they told me that I need to get my Social Security notarized, so I did that again, it cost me {$10.00}. I mailed that to them on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called them again, they told me that this notarized Social Security Copy is not acceptable again, they could do nothing but cancelling my application. I do n't understand why I got this decision after I did all they told me to do. They just fool me around, making me spend my time and money for nothing. 

My tracking number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a care credit card with Synchrony Bank this past summer. I have a zero % interest on a portion of the balance good for 12 months and I have a portion that has a 14.99 % interest. I have called every month and asked them to allocate my payments and then they apply however they want. I realize they are doing this so my payments don't post correctly and then they can charge me all the interest that I would have saved with the zero % interest. I have called them twice in XXXX, twice in XXXX, twice in XXXX and once in XXXX. This is a SCAM company and I can't get anywhere with them. The supervisor I spoke to on XX/XX/22 reassured me it would get corrected and I just called today XX/XX/22 and they said it will take 1-2 billing cycles. this is unacceptable by me because its a part of the SCAM they are running. Please help me get this resolved.

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 2021-03-12
Company: Experian Information Solutions Inc.
State: NC
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 some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.

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 2022-10-12
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a student loan refund due to the Cares Act on XX/XX/22. I have reached out to MyFedLoan Servicing a few times and each time, I receive different information about my student loan refund. I called a few weeks ago ( XX/XX/22 ), and the representative told me that my request was approved and it is being processed for payment. I called again today to get a status update ( XX/XX/22 ) and the representative ( XXXX ) said that the refund request was still pending and has not been approved. I would like more accurate information about the refund request from the representatives so I can understand how long this process will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Madam/Sir, CFPB : I received notification of an unknown credit card that is not mine and does not belongs to me. I wrote to dispute the information as per Federal Laws dictate as a consumer. The Debt collection Company keeps calling me and keeps Harrasing and thretening me. they want me to pay them : $ XXXX..I can not pay something that is not mine and does not belongs to me. I never open NO credit card account with the original institution. This Unknown credit card its not mine. Thank you very much. Respectfully yours. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Lloyd & McDaniel, PLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.

Company response to consumer: Closed
Consumer complaint received 2015-06-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: MD
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation