BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Ability Recovery Services, dated XX/XX/XXXX, regarding tuition payment I owed to XXXX University. The letter I received stated that I owe {$2900.00}. Because of medical issues I was not able to pay the bill until XXXX. I started paying every week as I got paid. Based on the letter, I only owe {$470.00} to pay the account off. I have already paid {$2500.00}. I have submitted a dispute with XXXX and XXXX  because the amount I owed on my credit reports were not correct. On XXXX XXXX, I contacted the collection agency about correcting the amount owed on my credit report. They informed me that I owed XXXX XXXX plus dollars because of charges XXXX added to my account. However, the letter they sent me does not reflect that. I contacted XXXX they can not pay me the amount I owe. They are saying whatever the agency says I owe, that is what I owe. They could not even tell me the amount of charges that may have been added. I should have been told in the letter and up front when I call The collection agency to settle the account the amount if extra charges and fees were added. I have attached the letter I received and the records of my payments I received from 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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX, 2016 I checked my credit with XXXX XXXX and had a total of XXXX hard inquiries removed from my credit report. I checked my credit with XXXX XXXX on XXXX XXXX, 2016 and all XXXX hard inquiries were reinserted back on my credit report. Transunion never informed me that the XXXX inquiries would be reinserted. I did not receive any form of communication from Transunion as required by the FCRA section 611. I have been calling Transunion since XXXX XXXX and begging for someone to assist me. To no avail I have not received any assistance from them. I have requested to speak to a representative in the United States in the special handling or dispute department - received no assistance. Multiple agents have been belligerent, some have told me that they know there was a glitch but tough luck on me and I should file a complaint. As of yesterday, XXXX XXXX, I gave it a try again and still did not get any assistance.

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 2015-12-01
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Hello, I was contacted by CREDIT COLLECTIONS U.S.A. ( XXXX ) due to an unpaid bill from one of the clients they represent XXXX ). 
I do not have a signed contract with XXXX XXXX XXXX. 
They abusively performed dental services that I did not request and were not beneficial in any way to me. 
I contacted CREDIT COLLECTIONS U.S.A. and show them the contract that XXXX XXXX XXXX made me signed was improper photo copied contract and that was unreadable because the left edge of the contract was missing and a good part of the words were missing. 
CREDIT COLLECTIONS U.S.A. still wants to represent then and still wants me to pay the amount although I have no contract with XXXX XXXX XXXX. 

Please contact me if you have any further questions, XXXX XXXXXXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended college later in life ( a XXXX career ) with a degree where I have always worked for XXXX and not have a moderate salary. My loans are managed through Navient. I have paid on the loans for years and the balance is barely moving down. I 'm about to retire in two years so my income will be reduced greatly, how do I handle this? I 'm told I do n't qualify for loan forgiveness because I did n't enter a program when I graduated in 2003. Help please, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: ERC
State: GA
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:
I have asked for Validation of the debt through a certified letter to the company. I have yet to receive any kind of validation however I am receiving letters and phone calls concerning a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Every month for the last few months, when I pay the balance of my credit card, Bank Of America adds a " Pending Transaction '' for the Amount that I have paid that falls off after XXXX  days thus locking out my ability to use my credit card. This time, I am on a work trip in FL and need a credit card for Expenses and I can't use my card. 

This is not my only issue. It is a Secured card, I provided bank of America XXXX to secure the XXXX credit Limit when I moved to the US in XXXX 2016. Yes I have now had the card for over XXXX  years and It is STILL Secured. My credit fluctuates as I have been going through a divorce, however I have not missed a payment in the last XXXX years and usually pay the balance off near the end of the month.

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 2015-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan secured by a vehicle with USAA Savings Bank NA. I had made my payment after speaking to a loan representative, as I was past due at the time, that posted on XXXX XXXX, 2015. This brought me due for XXXX XXXX, 2015. They repossessed my vehicle that same evening, after the bank closed. I was able to get my vehicle back the next day but I had to drive over XXXX miles and take off work, from a brand new job. I have made the XX/XX/XXXX payment. When I went to pay today for XXXX XXXX, the account on line is showing I owe for XX/XX/XXXX and XX/XX/XXXX. They can not explain but the representative is telling me that the website is wrong. I am still worried that they will take my vehicle while my account is current again. I can not explain how disrespectful and rude the person I spoke to during the period they took my vehicle was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Diversified Consultants, Inc.
State: TX
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:
I send them a certified letter that they received on XXXX/XXXX/16 and i have not received a response. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: The Eastbrooke Group LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. 

I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-01
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from XXXX the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Looked to lower payments and navient convinced me to make interest only payments. Thankfully I checked with family and friends and they informed me not to do this as it pays no principle and adds greatly to the length of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
2 years I contacted company with these errors they refused to comply with the FCRA so I am asking for deletion of account 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 2017-02-05
Company: Thrive National Corporation
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have something on my credit report from National Fitness. I have contacted the number listed by the BBB and by XXXX and the number is not in service ; their website is not a working number anymore, either. I have no way to request Debt Validation from this company and would like this information removed my credit report, due to false pretenses.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-21
Company: HIGHLAND FINANCIAL SERVICES (Closed)
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
A woman called me from an out of state # XXXX and said she was calling me because a Civil Action Lawsuit was being filed against me. She would n't tell me what the lawsuit was in regards to, she was rude, she said I needed to call XXXX and reference a case # within the next 2 days before I get served with a Summons. I called the toll free # and a man requested my name and DOB and said the call was in regards to an outstanding XXXX account the was 7 years old. I explained to him that I 've never had a XXXX account. He said I should know about it because it would have been on my credit report. I told him it was n't and I know this because I just purchased a home. When I told he to no longer call my phone and that I work at a lawfirm and will begin recording the conversation he got really upset and requested my bar number. He then said I could n't record our conversation and said he was going to hang up.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-29
Company: Diversified Consultants, Inc.
State: CA
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:
I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My personal information has been used by someone else who has recently purchased a Capital One Credit card under my name, using my information as well as making purchases way beyond what I would spend. Purchases maxing out up to almost {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
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:
Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a student loan which was submitted to the student loan forgiveness program which was approved based on the fact the school was audited and teachers were not certified, falsified student attendance records. Also had another loan where they owed me a refund but refuse to pay I escalated the case and was approved. Experian did investigation and first reported it was transferred to another lender. Now thy reported transferred to the government permanently. I requested it be removed as its no longer valid debt. I also had a tax lien which was released which I also requested to be removed.

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 2016-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: BlueChip Financial
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed. 

They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX. 

On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home. 

Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her. 

On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing a business account that is reporting to my personal credit profile by the credit provider, I have disputed this item for some time now and have not received any documentation from the credit provider or the credit bureaus regarding their investigation process or any documentation they reviewed regarding my dispute.

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 2015-11-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

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