BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-18
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. 

Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). 

So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. 

Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... 

XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). 

XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. 

I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: MD
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 have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXX XXXX # XXXX. I have NOT had this 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 2015-09-14
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
This is on my credit report as of XX/XX/21 Remarks Dispute resolved consumer disagrees Payment Status Past due 30 days Ive never received any communication that this dispute has been resolved. 
Bank of America is reporting that my account has been delinquent during a dispute. 
I disputed this over 90 days ago and have received no communication that it has been resolved in my favor or not. This is breaking the law.

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 monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: SC
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:
On my credit report it shows that I have an open account with XXXX. I never opened an account with them and when i filed an investigation they closed it and said nothing was fraudulently opened in my name.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

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 2020-04-29
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am unable to connect my account with another financial institutions. Specifically PNC refuses to link my account to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX, I noticed that there were several unauthorized charges on my Citibank account tipped off from a charge of {$25.00} for XXXX XXXX XXXX in New Jersey. I alerted Citibank and they credited my account and sent a new card. I received my new card yesterday and have been attempting to use my card to no avail. I called after XXXX eat to see what was going on only to be told that the fraud department has my account locked under review. I asked when it would be unlocked, I keep getting the same generic answer that they dont know. I was told to call back today XX/XX/2021 to speak to them where represent XXXX told me that there is nothing I can do but wait. I informed them that I have emergencies and need my funds and they caused several of my bills to reverse this weekend, she then said nothing she can do and began to talk over me and say there are other calls to take. I asked for a manager she then told me they will tell me the same thing and refused to transfer my call. Citibank is causing me great financial harm by locking me out and now I have no access to food in the week of 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 2015-05-23
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: AZ
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 have contacted experian multiple times and they still are reporting fraudulent information i have contacted creditors in question and they all told me its experians errors XXXX and XXXX already fixed the problem and removed the fraudulent inquires and accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I originally attempted to change my due date upon recieving funds from this company. You can never get thru to a specific branch. I made a payment XXXX and funds were not attempted to be removed until the XXXX. Per my online bank payment was declined was not enough funds to cover it in my spending account. I moved money over from my savings to my checking immediately. I called the branch located closest to me talk to someone the gentleman confirmed there was not a decline of funds on their end. I asked would system try to recoup payment a XXXX time and he wasnt sure but didnt think so. Me scared of getting a past due fee and owing money for return fee I made a XXXX payment. I went in office logged into my password protected bank website showing both payments. I was later called asked for a statement. I was not able to give it because statements are drafted end of the month. They claimed they would work with me but they needed something with my name and the transactions. I spend money on things like normal people so I used my search bar to ensure transaction history showed the 3 payments I made thus far and even showing the day the funds were deposited. Since its the transaction history when I use the scroll bar to show other transactions it was not going to show my name. I am upset because its near XXXX and I said from day XXXX change the due date so its not so close to the first check of the month. These people are holding my funds if I get the statement in XXXX for XXXX the payment due the XXXX that will defeat the purpose of asking for it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: COAST PROFESSIONAL INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The intake department at XXXX online was so helpful until they got my money, after fraudulent claims and withholding information regarding my tuition. They also wo n't release my transcripts because they applied the next semesters charges to my account and said I have an outstanding balance for the XXXX semester. Very deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently paid off two Comenity  store cards, XXXX & Victoria Secrets. I paid in full the account balances, one in XXXX and one in XXXX, leaving with a statement balance of zero. Today I decided to double-check my paid-off accounts and there was now a {$2.00} interest charge. I called both credit card account services and no one could explain to me WHAT BALANCE they were using to charge interest. Having had this happen with the same bank, Comenity and BOTH were paid off, it greatly concerned me. Being in later years, I am aware enough to double-check banks. I worry about the younger first-time cardholders, using Comenity, getting a serious DING to their credit report not being aware the Comenity charges interest on a ZREO balance card! Late payments could be serious! Both, XXXX and Victoria 's Secret Comenity credit cards EASILY and extremely willingly took the charge off and I am good. Just want to report the fuzzy math interest charges to help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: PA
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 never received my monthly bill for the month of XXXX. I called to have the paper statement mailed to me. By the time I got the statement I owed a late fee and interest fees.I called again asking them to waive the fees and they refused. I then wrote them a letter and they ignored it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a bill from Action Collection Agency of XXXX in regards to a medical bill. I responded to their notice via letter and provided proof that I paid the facility directly for the services. I received another notice from them that did not answer any of my requests/questions in my first letter. I sent a second letter but did not receive another response in writing. Since that letter, I received numerous phone calls and voicemails from different numbers requesting me to call them ; the messages were all automated. I sent a third letter demanding them to not contact me via phone but to respond to my previous letters via writing with further proof. I have received further automated voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are XXXXhree late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.

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 2017-03-15
Company: Frost-Arnett Company
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frost Arnett is continuing attempt to collect an amount of money, for XXXX XX/XX/XXXX, that is not due American Anesthesiology, XXXX XXXX, as documented by attached XXXX explanation of benefits. I have proven the amount of {$720.00} is a false representation of the amount owed. By contractual obligation, the physician represented by the collection request is only allowed to collect what is contractually agreed with XXXX. Therefore, XXXX states the amount for date of service XX/XX/XXXX is {$230.00}. Please see all attached pages for documentation. Furthermore, an overpayment of {$72.00} was made to the billing service they represent, for which I am now crediting against the valid balance of {$230.00}. This leaves a remainder of {$160.00}. 
I have attached all documentation to FULLY support my statements. All documentation has been provided to all parties to this matter. 
-- -- XX/XX/XXXX To All Parties Concerned : Frost-Arnett Company - hired debt collector XXXX, XXXX XXXX, On Behalf Of XXXX ; XXXX, Office Manager Please be advised all parties above will be receiving a full copy of all documents pertaining to the disputed collection request for {$720.00}, when the contractual obligation according to XXXX is {$230.00}. As it has been conveyed to myself, verbally, by Frost-Arnett that they refuse to accept or negotiate any payment other than the incorrect amount that is in violation of XXXX physician contractual agreement, I have no alternative but to escalate my reaching out to regulatory agencies for help in this matter. Prior to this letter, I attempted to work with the Consumer Financial Protection Bureau ( CFPB ) with no success. Frost-Arnett submitted a false and misleading response in order to have the complaint file closed. I will be using that false information to open a new claim against Frost-Arnett for attempting to collect an incorrect amount and submitting false information pertaining to date of service I referenced for my complaint. 
-- - I have sent a 3rd notice to Frost-Arnett and filed this compliant for the following reasons : - attempting to collect an amount not due - making false claim that I referenced the wrong XXXX in my documentation in the previous complaint with CFPB - making false allegation on recent collection notice that attempts to contact me have been unsuccessful - ignoring my efforts to have the collection amount corrected so this matter can be resolved. 
- Frost-Arnett submitting false information on the previous complaint to CFPB which resulted in complaint being closed without resolution and continued collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: PNC Bank N.A.
State: PA
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: Problem with personal statement of dispute

Complaint:
This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Northland Group Inc
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.

Company response to consumer: Closed with non-monetary relief