BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, XXXX XXXX XXXX and an original company as XXXX check n go. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Terrill Outsourcing Group
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/25 at XXXX XXXX XXXXXXXX, Superlatives RM called my father and requested my phone number. That is solicitation and harassment. They are attacking my family members for a debt I do not owe. XXXX XXXX XXXX has not proven I owed a debt to them. They tried sending a person to an address I do not live at. Now they are trying to find out where my parents live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: NRA Group, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint yesterday on XX/XX/XXXX. The company responded immediately, and stated that the collection would be removed from my credit bureaus! Instead of deleting the information. This same company added it to my other credit bureaus! 
Now, as of today XX/XX/XXXX my credit has dropped due to Inaccurate information, and that National Recovery Agency said they would REMOVE! 
Also, this account was removed in XXXX, and just reappeared a year later

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 2023-08-26
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First and foremost, I have constantly disputed this debt. XXXX XXXX XXXX XXXX continues to call and leave voicemail messages on both my personal phone and work phone numbers. Because they call BOTH NUMBERS, that is a total of 10-12 calls per week which is in violation of the 777 Rule for regulation F Section 1006.14B21A which restricts agencies to contacting a consumer seven times within seven consecutive days. 

Secondly, every since XXXX, XXXX started harassing me about this debt, I noticed the year on the 1 " statement '' they sent was dated XXXX. Now, the same statement was " re aged '' to XXXX which is illegal. I NEVER made a payment to this collection agency because it is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting 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've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Prince Parker & Associates
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PRINCE PARKER AND ASSOCA Reported : XXXX XXXX, 2023 {$4600.00} This companys are reporting that I owe them those balances. 

I need the audit trial of the balance. 
Also I need them to provide me with the agreement that grants them to collect this allege debt. 
Also provide with the master bill of sale

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XX/XX/XXXX, I recieved a {$50.00} American Express e-gift card by email. There's no physical card, making it difficult to use in store. Their instructions say to setup XXXX XXXX or similar to use in store, but I was not able set it up following their instructions. I was unable to reach a person or get help from the customer support phone number they provide ( XXXX ) in ~XXXX, XXXX and XXXX. 

In XX/XX/XXXX, I attempted to use it to make several online purchases, including from XXXX, all of which declined it. I contacted a customer support number for " questions about purchasing your Gift Cards online '' ( XXXX ) and got an immediate answer, but was was placed on hold for XXXX hours total and transferred to a couple different people, the last of whom hung up on me, after trying to get help to use my existing card online. I was told : a ) XXXX, XXXX, XXXX, XXXX and XXXX all do not accept it b ) They don't know of a single online company that accepts it. 
c ) Because it's an anonymous card and there's no zip code or other info, any website ( all that I'm aware of ) that require verification info such as a zip code, name or address will be unable to verify it and decline it. 
d ) Despite not being aware of a single company that accepts it, they still claim that it can be used online and that I should keep trying other places. 

The instructions provided with the gift card say, to XXXX XXXX, " In the Billing Address section, please fill in your name and address '' suggesting that the shop would be able to verify it, directly contradicting what the customer support representative said. 

The e-gift card seems like a scam to keep other people 's gifts for themselves. American Express keeps the balance and interest on the cards by making sure they aren't used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Miller and Steeno, P.C.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Who the XXXX does Miller and Steeno , P.C . think they are, making misleading and false statements about me? Let me make this crystal clear to you XXXX : you might get away with preying on others, but you won't pry on me or harass me with your XXXX comments. Congratulations, you've managed to pile up even more FDCPA violations and break the rules you're supposed to follow under the XXXX XXXX XXXX. Your XXXX XXXX might believe you're above the law, but let me assure you, you're not. You've trampled all over 15 U.S. Code 1692d, 15 U.S. Code 1692e, and ABA Rule 7.1 ( XXXX ). 

I won't stand for your XXXX garbage and the garbage you've spewed about me. The CFPB exists because XXXX like you need to be reined in, and I have every XXXX right to question you, especially about alleged debts that I sure as XXXX don't owe. And let 's not forget, not a single one of my demands was addressed in any of my complaints against you. Oh, and let 's not leave out that XXXX XXXX XXXX conveniently " forgot '' to provide his XXXX BAR License Number and XXXX state law license. Well, guess what? A Bar complaint is heading straight for Miller and Steeno, P.C., and XXXX XXXX XXXX better start complying with the demands in this complaint. 

I demand that you immediately close this file in your offices, cease your collection activity, and stop this relentless harassment. If you have any sense left, you'll start complying, because I'm not messing around. When I told you I'd fight you to the ends of the earth, I XXXX well meant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I reached out went my car went down and tried to make a warranty claim because I am paying for a warranty in bi-weekly payments. The representative at Westlake told me that they couldn't honor my warranty because they only collect payments. I was also advised to contact US Auto Sales because they put a repossession on my credit report and to speak to them about my warranty, but they can't provide me with a phone number. How can I contact someone who is no longer in business? I made the decision to do a voluntarily repossession because US Auto Sales put a repossession on my credit report and it never was repossessed until I called and return the vehicle. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When making attempting to complete the final {$34.00} of my monthly minimum payment for my Bank of America credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with XXXX late payments, and for my account to be closed immediately after XXXX late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX which Bank of America did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.

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 2023-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My insurance company USAA has been overcharging me for auto insurance for nearly a year ( if not longer and I just wasn't aware ). Initially there was incorrect information on XXXX XXXX that I had removed, but that did not result in a lower premium as USAA stated that they could not change the premium in the middle of a billing cycle. When the billing cycle did change, my rates went up rather than down. I called several times and no one would give me a straight answer. One rep said it was because of late payment. My late payments were all made late because I was trying to dispute the amounts. And then they could not provide me a quantitative answer on how much late payments would affect my premiums. Another rep said it was because rates went up in Florida where my vehicles was insured but again no quantitative answer given. Another person said my rates went up because I had a claim in 2020 even though I was paying for accident forgiveness. The rep then claimed that USAA didn't count accident forgiveness for the claim in question. Lastly, I enrolled in USAA 's XXXX XXXX program where they monitor my driving habits through my cell phone. In XXXX I cancelled several insurance policies for vehicles I had insured in Oregon because I saw I was being overcharged. USAA stated that they cancelled my insurance ( untrue ) and then when I asked about my Florida policy again as to why the rates went up they stated that 1. I lost my multi-vehicle discount-which could not be true because the OR and FL policies were separate policies and 2. They stated that my SafePilot discount onlu applied to my OR policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PORTFOLIO RECOV ASSOC has accessed my credit report on the following dates Date of request ( s ) XXXX XXXX XXXX XXXX XXXX I do not know anything about this company or any debt owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NV
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  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-05
Company: CITIBANK, N.A.
State: ID
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:
On XX/XX/XXXX  I checked my Citi Mobile app to see the last statement balance. The remaining amount due for the last statement balance was {$220.00}. I took a screen shot of this. I made the final payment of {$220.00}, which was credited on XX/XX/. 

I looked at my statement today, XX/XX/2023, and it showed that I was charged interest of {$80.00}. I should not have been charged any interest since I paid the previous balance in full. 

I called Citi card and they let me know they will reverse the interest charge. 

This is the 2nd time this has happened, and I feel that it is fraudulent that I have to check my account and call regarding this, since the interest should not have been charged at all.

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 2023-05-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: OneMain Finance Corporation
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:
One main financial XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled on record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Westlake Services, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled to continue on record until XX/XX/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
Consumer complaint received 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-23
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was sent a promo code email to apply for the next money transfer valid till XX/XX/XXXX XXXX 
I used the link in the promo code to send the transfer and in the process of completing the and reviewing the pending transaction, it appeared that there is no fee, so I confirmed it. 

Upon receipt of the WU confirmation, I noticed that they applied a {$12.00} fee, ignoring the promo code that was promised and solicited in the Western Union promo email. 

Had I seen the charge before completing the transaction, I would have not done the transaction. WU should have at least provided a summary of the fees before and not after the transaction and request acknowledgement of the fee ( which should have been waived anyway ). 

When I called the WU XXXX number to report the problem, they said it was too late. They would not credit the service fee, and they offered to send me another " promo code '' for the next transfer. 

I found that to be unacceptable Bait & Switch and fraudulent. 
I demand the refund of the {$12.00} fee that was charged illegally. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation