BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been repeatedly harassed by the Gurstel Law Firm, in XXXX XXXX MN to collect a debt that is not mine.  After telling them numerous times, they continue to harass me, and have subsequently filed a lawsuit. While I know that they can do that, they are using incorrect and down right false information to back their claims.They state that they are working for a debt collection company, XXXX XXXX XXXX XXXX for a debt on a XXXX  Credit Card that I did not apply for.  Not only is it not mine, they are suing me in a County that I do not live in, and their documents are false.  There is an affidavit of Service, that is a complete lie. I was not personally served, and couldn't have been as I was at a Doctor Appointment on the date and time that they state I was served, and my personal description is off by over 5 inches and about 30 pounds.They are stating the my work address is my home address and suing me in the wrong county, for a debt that isn't even mine.  Their numbers on the statements that they provided don't even match the amount that they claim I owe.This is an utter sham, and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: USCB Corporation
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a notification on XX/XX/2022 that there was a new collection in my name. I looked on XXXX XXXX and it says On XX/XX/2022 an account was created for XXXX XXXX  and I owe {$740.00}. The creditor was USCB corp. I have never heard of XXXX XXXX and I am already enrolled in a different school so this was not me. I XXXX and everyone is saying the same thing happened to them.

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 2019-12-11
Company: Experian Information Solutions Inc.
State: GA
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 been asking Experian to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated (XXXX XXXX, XXXX XXXX XXXX XXXX XXXX). I then sent a 2nd request Proof of Validation Letter onXX/XX/2019 to Experian and received a response dated XX/XX/2019 the same exact letter from the XXXX response. I then on XX/XX/2019 sent Experian another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar  letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Experian requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid.  I noticed that XXXX XXXX is not on the current report, but it does not show where it was deleted either.

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 2019-12-11
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
**This is a continuation of CFPB complaint XXXX that was not completely resolved** The Escrow account on LoanCare mortgage XXXX is not accurate. 
The annual taxes are {$1800.00}. During XXXX LoanCare made County Tax Distributions on XX/XX/XXXX {$930.00} AND XX/XX/XXXX {$1800.00}, which has caused an escrow shortage due to this over distribution. 
I talked with the XXXX County Tax division and they did not receive a payment of {$930.00} on XX/XX/XXXX. Where is this money? 
I've left 3 messages for XXXX XXXX at LoanCare Office of the Customer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and he has not called back.

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 2017-06-02
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-11
Company: CONTRACT CALLERS INC
State: GA
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:
XXXX and XXXX are still reporting Contract Callers Inc on my credit report and a bankruptcy on my credit report that do not belong to me. I have submitted my DL, social security card, utility bill, and police report stating that these items do not belong to me. Yet they keep updating my report as a collections account. These accounts do not belong to me. I need them removed asap. Also, the inquiries on my account are not mine. I have already contacted XXXX about the issue as they are the original creditor on the Contract Callers Inc, but nothing has been done. The XXXX XXXX XXXX is not my account either and needs to be removed. I have tried to call them and I am not getting any kind of response. Also the only address and phone number that should be on my report is XXXX and XXXX XXXX XXXX, XXXX Ga XXXX. This information should not be used for any creditors to contact me and for them to update their systems to harass me about a debt that doesn't belong to me at all. My next step is to retain an attorney and sue any debt collectors that have not removed the items off of my 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 explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in the middle of loss mitigation with  Bank of America but  they have filed a foreclosure lawsuit on me on   XXXX   XXXX   XXXX    . Please find the attachment with my complaint and supporting documents.

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 2019-12-11
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it 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 explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, Experian, XXXX XXXX and XXXX via certified mail with tracking numbers which cost me approximately {$37.00} to do this. Experian Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and XXXX Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.

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 2019-12-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance has paid this collection, and it was never ever supposed to be on my credit. I was in a car   accident and all of this was taken care of by my insurance, this debt is reporting a balance, and they have been trying to call me and threaten me into paying, when the account was satisfied in full by my insurance! Everyone has been paid, are they trying to get paid twice for the same debt? is that legal? I believe you are supposed to determine that, please help me, I am trying to become a first time homeowner and this is the only thing that is stopping me from achieving my dreams! Please let justice reign supreme and HELP ME! This must be unjust enrichment and a breach of contract as well no? How many other people has this company enriched themselves off of, what if I had payed them without checking with my insurance first, would I have ever gotten my money back or would they have kept it as their own money, which it would not have been! if this company was nearly this successful with me, how many other consumers have they done this to?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: GA
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:
Submitted a dispute online and experian refuses to delete all incorrect address along with names that are incorrect

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 2017-06-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good afternoon, I logged onto my PNC Bank account on  X/X/2017    and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning,   XXXX  , I noticed I had  4  overdraft fees. Upon calling the bank I learned that even though I had made the deposit on  X/X/2017   , they only make {$100.00} of that deposit available to me to use, they hold the rest for  1 bu siness day  ( no matter how big the deposit is ),  in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by  XXXX  that same day in order to avoid fees.  <P/> So even with that being the case of {$100.00} being available to me I only should have been charged for  2  overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining  4  auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all  4 ite ms  (  including a {$23.00} item and a {$36.00} item ) instead of just the  2 l argest fees.  <P/> This is a horrible business practice. I am the sole supporter for a family of  XXXX  working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on  X/X/2017    I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.

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 2017-06-02
Company: ProCollect, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX , recevied notification from  ProCollect  as collections agency,  XXXX   XXXX   XXXX ,  XXXX  Texas,  XXXX . #  XXXX . The letter advised that I had 30 days to take care of a debt which I did not know I had. The collection agency is working on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . In  XXXX    XXXX  , I was  XXXX  to  XXXX  for 12 months, as I am a member of the  XXXX   XXXX . I provided the  Apt management  with a copy of my   XXXX   XXXX   reflecting that I was being  XXXX  and I needed to be release of my lease agreement.   I did not get notified nor did my parents who are co-signers get notified by   XXXX   XXXX   XXXX   that I was being charged rent for the remainder of the lease. The  Apt management se nt the debt to collection agency.  <P/> My credit status is important to me and  XXXX  career, I do not want any negative reporting on credit reports as the creditor failed to comply to notifying me of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.

Company response to consumer: Closed with explanation