BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I 've sent XXXX and Pinnacle Credit Services ( collection agency for XXXX ) numerous letters to send me proof that I owe such a large amount. I am yet to hear back from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this item time and time again and it has been removed off all my credit reports but one. Now it looks like the creditor has re-aged the debt without my permission and made my credit score plummet! I am XXXX years old an dthe doctor that is trying to collect from me is a XXXX physician - He ONLY sees patients that are XXXX! i demand this be removed from my credit report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency GEN BUS RECOriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenOpened Date XXXX XXXX, XXXXClosed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX something wrong? 
Learn more about how to dispute items on your credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX XXXX Credit/Off lease XXXX XXXX XXXX US SM Bus Admin ODA Inquiry : XXXX, XXXX, XXXX. Inquiry : XX/XX/XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. Inquiry XXXX XXXX, XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : 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 2016-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Equifax of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX Account Numbers and Agency ( s ) : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Received a letter from the company stating my dispute was frivolous and I explained that this debt is not mines.

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 2015-07-28
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Allied Collection Services, Inc. (Nevada)
State: CA
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:
Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my XXXX XXXX is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

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 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened checking account online on XX/XX/XXXX at Bank of America and didn't receive {$300.00} bonus for making qualifying direct deposits totaling {$4000.00} or more within 90 days from account opening. 

I filled claim which was closed based on that I didn't meet requirement as far as amount ( from the period of XX/XX/XXXX till XX/XX/XXXX Direct Deposits to my account were made for the amount of {$4000.00} XXXX. 
The claim was reopened but closed second time for the reason that one of the payments wasn't direct deposit ( all Direct Deposits were identical, from the same company ). 
Finally, the bank confirmed that all requirements were met but they denied the bonus because too much time passed after the promotion.

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 2015-12-30
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continually call me during the day ( more than XXXX times ) on my cell. They have also called both of my sisters, which I am not sure as to how they got their phone numbers. This is over a debt of {$120.00} for apartment cleaning charges. I am making payments on the debt owed. Current balance is {$50.00}. I refuse to pay the whole amount at once to them. They can get it in payments ... but as long as they are receiving payments, I was unaware they could call continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I did not open the original account. I filled a dispute with Portfolio Recovery in XXXX 2014. They are still trying to collect on this debt and reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: SYNCHRONY FINANCIAL
State: OH
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:
The checking account that I use to pay this credit with was hacked twice. This is a checking account that is held a XXXX XXXX. Due to the account being compromised, I had to close the checking account, causing my automatic payment to not be sent. I have written two letters to the creditor to address this issue. The issue is that there are late payments on my credit report for something that was out of my control. I would like to have this addressed and to have the negative information removed from my credit report. The creditor is Syncrony Bank, who administers the credit cards for XXXX XXXX. I also believe that Syncrony 's billing practices are unfair. With synchrony, you are penalized for making your payment early. Synchrony posts the payment incorrectly so that the account payment is late and the consumer is charged a late fee.

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 2017-05-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ON  XXXX / XXXX / XXXX   XXXX  Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from  XXXX  Bank, I was unable to open a new checking account When I found out that  XXXX  placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the Chexsystems report. That  XXXX  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  XXXX  Bank  XXXX   XXXX  to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected  XXXX . Documentation of how such said suspected fraud was committed. I have also asked for  XXXX  Bank to give me  XXXX  Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From  XXXX  Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from  XXXX  Banks Report of me in Chexsystems.

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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The IRS agreed to take the tax lien off of my credit file in a direct conversation with them. It should not have been placed as a lien. I disputed this with the bureaus. XXXX removed it but Trans Union did not.

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 2017-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number is from Portfolio Recovery Associates , LLC, XXXX, AL. I had a missed call, so I called back. The automated response stated the name of the company ; whereas the phone number indicates Alabama. 
I do not owe any debt. My credit is clean. I do not wish to be contacted by this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have frequently received letters from a company, now located in XXXX, CA, called Portfolio Recovery Associates , LLC, for a credit card someone had issued from XXXX. I have filed an alert with the credit bureaus because my social security number was stolen XX/XX/XXXX ( I replaced my social security card in XX/XX/XXXX ). At that time, XXXX closed the account it had issued and I became a customer of the XXXX XXXX XX/XX/XXXX. My card was then bought by XXXX XXXX bank and I still use it today. However, I continue to receive letters from Portfolio asking me to pay off the card previously cancelled and closed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving calls from Portfolio Recovery in an attempt to collect a debt for XXXX XXXX that I was told I no longer have an obligation to pay since the debt was from 2004. I asked them to please stop calling and I have also registered with the Do Not Call List. Now they are harassing me at my job initially they were calling my home phone now they are calling my cell phone and job phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23
Company: NEW CITY FUNDING CORP.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Omega RMS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation