BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
Being billed for merchandise on Amazon credit card that was previously refunded. Charge appeared XXXX/XXXX/2015. Had previously complained to CFPB when Amazon indicated they would rebill and Synchrony Bank indicated credit on account was permanent. This was not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Armed Forces Loans of Nevada Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been usin g TCF Bank  until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with  XXXX  pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged  XXXX  fees. They refused to help me and I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I suspended auto-pay on my AMEX account and the notification I received confirming this on XXXX/XXXX/15 gave no indication that this was only for three months. Today, I received a notice that payment was processed through auto-pay to my checking account for an existing balance of {$5600.00}. When I logged into my account earlier in the week, there was no indication that any payment was scheduled or pending as it still is prompting me to make a minimum contribution by XX/XX/XXXX. When I contacted AMEX today, they said that they had my written consent from before and they unfortunately could not cancel the transaction because it had been processed. They reactivated auto-pay without any warning to the amount or what checking account would be debited. All of my recent transactions have been scheduled as one off contributions towards the middle of the month for amounts no more than {$2000.00}. When I suspended auto-pay years ago through AMEX, they clearly indicated in the e-mail that this was only for a three month window. Their notice this time had no such limitation and instead they have changed their website and communication such that key terms are not explicit to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Huntington  stopped allowing me access to my bank account because it was in the process of being closed due to an overdrawn balance. I could n't log in, gain access to online banking information, or even access my account number to make a deposit to bring the account current. I received no notification of this happening. No letter, no phone call, no email.     On Friday,  XXXX   XXXX , my employer sent a paycheck via direct deposit that was greater than the overdrawn balance. I contacted Huntington on  XXXX   XXXX , and they let me know the account was still NOT closed, just in the process of being closed, and that they would hold on to the additional funds for an undisclosed amount of time until they felt like sending the balance back to me via check. No one could tell me how long it would take or when the check would be processed.     It is alarming to me that I would not be allowed access to view details about an account that is technically still open, and that no one could tell me when the additional funds would be sent to me. I was told that they could hold the funds as long as they deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan number # XXXX OCWEN Short Sale OCWEN is forcing an illegal foreclosure in the midst of short sale negotiations and has not served the home owner with foreclosure paperwork. the foreclosure date was re-assigned yesterday for XXXX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Williams & Fudge, Inc
State: TN
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:
XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Ad Astra Recovery Services Inc
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:
I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the  XXXX  was filed    XXXX   XXXX   2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
-i never have a middle name, but on Transunion credit report it showing i have a middle name. i would like to remove that. 

XXXXthat 's Hard Inquiry on my Transunion credit report XX/XX/2021, i contacted XXXX, but they told me my information wasn't in their system, but Transunion wouldn't able to remove that Hard inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: TN
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:
XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-08-04
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-Account # : XXXX XXXX XXXXXXXX XXXX XXXX-Account # : XXXX, XXXXXXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX-Account # XXXX XXXX, XXXX XXXX-Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also STATES a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  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 explanation