BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a charge reported on my credit on XX/XX/2020 report of {$4600.00} from Tam/Spears DeWitt Hall. I was asked to leave this apartment and when I git the final charges they were a little over XXXX XXXX dollars. Now it seems that this amount has doubled,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Costco City Bank Business Visa. They have a practice in their fine print that I question is legal certainly not ethical. " If you do not pay your full balance by the due date, you will not get a grace period on purchases until you pay the new balance for two full billing periods in a row. '' They interpret that to mean carrying the full balance forward. In essence you end up paying interest on money they already have.

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 2022-01-27
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My checking account was defrauded of over {$3000.00} in a single unauthorized ACH Debit transaction. The impersonator had been able to submit ACH transfer from my account as debt repayment. 
I contacted XXXX XXXX XXXX  ( my banking institution ), and they reimbursed me for the loss. 
This type of fraud seems to be a systemic issue. 
Such unauthorized XXXX XXXX transactions should not be possible. 
There must be text a phone call confirmation with the account holder prior to a debit transaction execution. 
Please help protect consumers from this type of fraud. 
XXXX XXXX request was received from Union Bank by some XXXX XXXX. 
I am not sure how criminal charges can be brought up against this person.

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 2021-10-03
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several student loans accounts with XXXX all have different ages, and all have different reports of last activity as well as they have different dates of last activity, these accounts report different account numbers across the bureaus. 

These student loan accounts can't be made sense of because these accounts report on my credit as open, however when i called XXXX they've told me that these accounts have been sold to another company, and nobody at navient is able to assist me with getting proper information on my accounts. 

The company also states that they no longer service student loans, essentially this company is reporting misinformation with no recourse as to how to correct 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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.

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 2017-07-21
Company: ResidentCollect, Inc.
State: GA
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:
On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TekCollect Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The problem Am having with XXXX is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights

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 2022-06-13
Company: Mr. Cooper Group Inc.
State: WA
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:
My credit report for XXXX regarding 3 mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these 3 Mr. Cooper/ nationstar mortgage accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from XXXX  and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about 60 late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Aidvantage on XX/XX/XXXX and no one answered for about 2 hours. I called back on XX/XX/XXXX, and requested a refund for {$12000.00}. They were able to locate my loans and said they would process the refund request. I asked for an email confirmation but they said they could not provide an email confirmation. They just said that the refund will take 4-6 weeks to complete.

I read a lot of posts saying that their balances changed after 10 business days so, I called back on XX/XX/2022 since I was worried that my refund request was not processed. They said that the refund has been approved by the XXXX and sent to the XXXX. 
As of XX/XX/XXXX, XXXX weeks after my request, my XXXX account still has my old balance and is not updated to include the {$12000.00}. I also checked the aidvantage website and it has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of america calls my personal telephone number 3 times and day then starts speaking in XXXX I THink ). I don't speak XXXX. It is a computer doing the calling. 

I don't have a Bank Of america account and I have never had a Bank OF america account. 

Please make them stop.

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 2022-10-07
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase tickets to a football game via XXXX. Upon agreeing to an amount of {$300.00} for 3 tickets I unknowingly sent the XXXX payment to a scammer. The scammer sent proof of the tickets and eventually blocked me and my wife from their XXXX account. I called Citibank in less than an hour to remedy the situation but payment could not be stopped. I also spoke to their fraud department and there was nothing that could be done. I then spoke to XXXX and reported the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.

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 2022-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Midland Credit contacted me in regards to an account that i have no idea about. When asking for verification, the agent stated " You know this is your XXXX XXXX '' I asked the agent to then repeat what he said, and he said it again. He also told me he will call me everyday until I pay them. I asked them not to contact me again unless its in writing. They have called as early as XXXX and as late as XXXX pm, stating they are different people each time. I also have been recieving multiple items in the mail concerning this debt when i am just asking for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
The. Information on the credit report is inaccurate, I have tried many times to resolve the issue and to no avail a solution has not been implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Go Capital Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Continuation of previous complaint : Go Financial has sent correspondence to my disputes and complaints with the credit bureaus, BBB, and CFPB. The information they sent continues to show proof of several violations and discrepancies with this invalidated debt. Go Financial states on the Redemption and reinstate form that the vehicle was repossessed on XX/XX/16, however they state on another document that it was repossessed on XX/XX/16. The notice that they are required to send me per NC law about the sell of the vehicle is dated XX/XX/16 and XX/XX/16 on another document. This notice was never received by me which suggests that it was possibly forged to serve this purpose. Per NC law they are required to notify me of the date, time and place of the sell of the vehicle if it was sold at an auction. Their letter states that I was notified that the vehicle will be sold at anytime within 10 days of the letter at a private sale, but continues to read that it was actually sold at an auction in which they never notified me of the date, time, or location -- the location on their documents only notify me of where the vehicle was being stored. Their failure to provide this information conflicts with NC State Law which decides what a creditor can and cant do. ( NCGS ) On the explanation of deficiency they lists that I owe XXXX without fees, but they are reporting a different amount on my credit report which they have never sent me a breakdown reflecting the new charges. I find this company to be in violation of my rights under the FCRA. They have failed at providing me with accurate, clear, or validated information. Even with so many discrepancies they continue to report as accurate on my credit reports after investigation. With so many discrepancies directly from them, there is no way to validate what is accurate. They have also violated the laws of NC by being unable to provide any receipts or verifiable information that they notified me specifically about the sale of the vehicle to provide me with an opportunity to attend the sale.

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 2018-12-01
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding me.

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 2020-01-07
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 was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.

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