BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: West Central Texas Collection Bureau
State: TX
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 I received notification via my credit report that I had been sent to collections through West Central Texas Collection Bureau in XXXX Texas for a {$110.00} bill that I never received from XXXX XXXX XXXX XXXX. I contacted the collection agency and explained that I am a XXXX veteran and any bills should have been sent to the VA and that I had never received one. They gave me the information to contact XXXX XXXX. I contacted them and a young woman said that they would take care of it right away. Two months passed and it was still on my credit report. I contacted the collection agency again and they sympathized with me agreeing that what the XXXX XXXX   did wasn't right. I called rXXXX XXXX again and got a different representative. I explained the situation again and she said that the other person I talked to previously at radiology associates didn't have the authority to agree to remove it as they had. I explained that was a them problem and not a me problem as it was improperly billed. They argued that it was filed under private pay. I have not ever been private pay in an ER in my life so that didn't make any sense. 

I reported this to all 3 credit bureaus on XX/XX/XXXX and XXXX and XXXX removed the charge. XXXX did not. I refiled again on XX/XX/XXXX with XXXX and they did not remove it. I filed again on XX/XX/XXXX when calling about why it hadn't been removed and they said I needed to file another complaint. That confirmation is attached to this complaint. 

My credit is being held XXXX for {$110.00} for a bill that I didn't receive, and shouldn't have received because it should have been billed to the Veterans Administration. They tried filing it with the VA and they denied it because it had been so long. I have attempted since then multiple times to contact West Texas Collection Bureau but their phone numbers listed on their website ( XXXX & XXXX ) automatically hang up after you dial them on my cellular phone. I attempted to use the phone number listed for them on my credit dispute ( XXXX ) and it comes back with call can not be completed as dialed ). I tried using their contact page to send them a message and get an error back. 

I am unable to discuss this by any of the above means and no longer live in the geographic area to stop by their offices. I am requesting that this be removed from my credit report. A XXXX vet should not have his credit held XXXX for {$110.00} when they followed all normal procedures at the time of service, since then trying to get this resolved, and now not able to reach the collection agency that has forgave this debt with two other credit bureaus.

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 2019-12-21
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not given notice of the open account by collect tech in XXXX. According to my credit report it has been open since XXXX and I received no letters or calls. XXXX  hospital, the company who the debt is from also failed to contact me about the debt either by call or mail. I called the hospital and they stated they did not have me on their patient records. This is the second time Collect Tech has started an account against me and failed to reach out regarding the debt.

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 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$2400.00} XX/XX/13 this is my deceased father account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a personal & business checking account with Suntrust. I attempted an external transfer and was expecting the transfer to be pulled from my personal account & not the business account. The last 4 digits both include a XXXX and a XXXX for both accounts and from my external bank it only said Suntrust so it was not clear which was business or personal. I was charged a {$38.00} fee. I called a local branch near my house and the banker told me I'm allowed 1 fee refund per year and she told me she was refunding the {$38.00} to my account. I have never asked Suntrust for a fee refund in my entire lifetime. I have not seen the refund so I was lied to and I'm not happy about have a business & personal checking account with this bank and being lied to about policies and refunds. I expect the bank to honor the fee refund as I was told this on the phone by their own employee.

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 2022-05-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that was unauthorized and I have called and asked questions and made complaints still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and SANTANDER are two auto loans that need to be removed from my credit report. I do not owe on these accounts. Santander was a part of a class action lawsuit that I was a participant of, and should have been removed from my credit report last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: ARS National Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 and XX/XX/2021 Ars Natl Svc called me and did not leave a voicemail. After XXXX  this company, I found out that they were debt collectors. I reached out to an online rep to get an address so that I could mail this company a letter stating that the debt is disputed and to provide validation. I never received any written notice or a letter stating that I had the right to dispute, so I sent a dispute letter anyway so that I was within my time limits of the FCRA when responding to debt collectors. On XX/XX/2021 I sent the dispute letter to this company via certified mail to the address that a rep gave me. It is now XX/XX/2021 and this company is calling me again leaving no voicemails and sending no validation letters. The company resumed calling me XX/XX/2021. I still have not received any written notice or response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: National Credit Adjusters, LLC
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 disputed a collection account to XXXX, the account continues to remain although my information was shared without my permission. My privacy was violated by National Credit Adjusters, this must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a home depot consumer credit card in XX/XX/2019, with a promotional offer of {$100.00} cash back within 30 days of opening an account, if I spend {$1000.00} in the first thirty days. I promptly made an online purchase totaling {$1000.00} exactly 7 days later. The order came in two shipments. After two months, I called and inquired about the promotion. The agent informed me that it was already applied, but the receipt and the purchase price didnt reflect the cash back. They escalated the issue. I never heard anything. I called back a month later, the agent informed me there was no record of my inquiry the previous month. The new reason for not honoring the promotion was that because the order was sent in two shipments it was considered two separate orders and the promotion does not apply. I confirmed that both shipments have the same order number and both items were on the same receipt, so the agent again escalated the issue. I heard nothing for another month, so I called back. Again, there was no record of my two previous inquiries. I asked to speak to a manager. I was placed on hold for 11 minutes. The manager told me there was nothing she could do to honor the promotion, too much time had passed. I closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Applied for a credit card {$300.00} was taken from my checking account I never used the card months later I was sent a check the check has expired

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 2017-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO  XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a  XXXX  dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
A fake company sent me checks worth $ XXXX, this money should have been to purchase computer systems for my new at home job position. The checks were deposited in my USAA bank account and cleared right away. The money was used to pay a fake vendor for the products that should have been delivered to my address the following morning. In conclusion, 5 days later USAA send me the return checks, take {$5000.00} of my hard-earned money and said that is the way the bank works and they cant do anything. You should have read the regulations about transactions. I would have never sent that money if USAA wouldnt have cleared the money and made me believe that money was in my account just to turn around and take it away. YES, I got scammed by a someone using the name of real company that sent a check from a real bank that was not real, but I was totally mislead by USAA and their procedures when they clear the check and then take my money when it got returned. That money should have NEVER shown in my account until the transaction was confirmed. Now, USAA dont see this as a real issue but scammer is using this unloyalty and unethical practice to continue ripping people off and nobody seems to care or thinking about doing anything to prevent these scams. USAA LIED TO ME AS MUCH AS THOSE SCAMERS DID. I hope someone reads this and do something about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Amsher Collection Services, Inc.
State: NC
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:
I received multiple calls from people claiming to work for AmSher, from phone number XXXX. They requested sensitive information such as my address, DOB, and SSN because of a " problem with my account. '' My account does not exist. In attempting to probe them on this issue, they named off imaginary laws and became quite hostile towards me, before abruptly hanging up. I tried calling back a few times, and they immediately hang up after trying to find out what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I decided to check my reports from all credit bureaus for accuracy after a recent fraud alert scare. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian via phone and certified mail and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.  XXXX   X/XX/XXXX  2.   XXXX    XX/XX/XX , XX/XX/XXXX , XX/XX/XXXX  3.   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX  4.  XXXX   XX/XX/XXXX  5.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX     XXXX    7.   XXXX    XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.   XXXX   XXXX   XXXX    XX/XX/XXXX  10.  XXXX   XX/XX/XXXX  11.   XXXX    XX/XX/XXXX  I have now locked my credit reports until  I am ready to utilize.

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 2021-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home XX/XX/2020. I contacted Pennymac that weekend to get on an excelerated payment plan. I set up a biweekly payment so I would reduce my principle. After a few months I received a statement that stated they DO NOT APPLY my payment towards my mortgage. They keep it an earn interest off my monies and only apply the payment when its the full amount. This is Fraud! Misleading etc. Now my complaint is I receive notices via email, phone text and letters to apply for a mortgage with Pennymac. I have contacted them and stated they must stop! I have a morgage loan with Pennymac and the letters look like there is an issue ( Stamped Urgent ) or the mortgage has been sold. Creating extreme anxiety to me. After a month from the original complaint to stop the solictation, they keep on coming. I want them to stop. Please help resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: DISCOVER BANK
State: VA
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:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: BARCLAYS BANK DELAWARE
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
back years ago, I believe in XX/XX/2013 there was a charge of over XXXX that I did not authorized. I kept paying card anyway because I did not want my credit to go down hill. I was paying over XXXX in interest alone and could no longer pay it. so I tried everything to try to get it fixed and I could not get it done. so I stopped paying it. I had no choice. I am still today, dealing with being turned down for low interest cards because of it. it is removed off of one of the bureaus but not on all of them. again I was turned down yesterday and it needs to be removed from all the bureaus

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 2021-12-15
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation