BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection was put on my credit report on XX/XX/XXXX from I.C. Systems Inc stating I owe {$610.00} to the originator of the debt XXXX. I paid XXXX {$610.00} and as a result the previous company XXXX XXXX a different collector for XXXX updated the collection on my report on XX/XX/XXXX and deleted all collections on my account. This debt was paid directly to XXXX. Why am I being harassed by phone from I.C systems inc. Also my credit score has decreased and I have been trying to build it for 2 years this is unfair and unacceptable. XXXX is sending another collector after me for more money after I paid them in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Oxford Law, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Oxford Law , LLC. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, Toll Free : XXXX - XXXX. 

Keeps calling me XXXX times a day, and calls my place of employment XXXX to XXXX times daily. I 've already been warned by my employer to stop these harassing phone calls. I 've told the above mentioned company to stop calling me. Company has not stop but has gotten more aggressive with their tactics including talking inappropriately. This company is causing me many problems and are putting my livelihood at risk. This company needs to immediately stop all communication with me or anyone in link to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: PINNACLE RECOVERY, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 am writing to request the removal of this unauthorized credit inquiry on my credit report. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I also do not have an open account with your company. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I formally request that you delete this inquiry immediately from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
asof XXXX I owed XXXX to Florida XXXX XXXX  XXXX. I had a conversation with someone at Florida XXXX XXXX  XXXX to give my forwarding address for final bill. I asked about my deposit I beleive is XXXX, she told me that the deposit would be applied tothe final bill and I would receive an updated bill to pay. Today I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ph # XXXX sent me by mail a collection notice for XXXX. 



Kind 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
Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I opened a new Citi bank ( Citigroup Inc. ) checking account # XXXX for {$300.00} new checking bonus as I'm eligible per fine prints on XX/XX/2022 and deposited new money {$15000.00} on XX/XX/2022 as screenshot attached. 

On XX/XX/2022, I did receive a welcome email for {$300.00} bonus offer from Citi bank ( Citigroup Inc. ) as screenshot attached because I had followed all the steps to qualify the bonus condition. 

I had kept required minimum balance over {$15000.00} over 60 days per bonus condition until XX/XX/2022 from XX/XX/2022. 

But until today XX/XX/2022 I have not received my bonus {$300.00} yet, which must be deposited to my checking account already per fine prints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint Against : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXAARGON Collection Agency ( XXXX XXXX XXXX XXXX ) Charges in DISPUTE : Annual Physical covered at 100 % under the XXXX XXXX XXXX XXXX XXXX Keeps billing me for covered service due to their billing system 's inability to code tests as preventive. 
Had more than 10 conversations with the billing department, Practice manager ( XXXX XXXX ), collections Agency ( to dispute charges BUT they keep calling ) ; ALL INVAIN. 

On multiple occasions, I had conferenced the XXXX XXXX Billing and XXXX XXXX XXXX, and myself to resolve this issue. 

On XX/XX/2019 I spoke AGAIN with XXXX XXXX who said that since they can not correct the billing issue she is going to write off the two amounts of {$23.00} ( doctor ) and {$98.00} ( Lab ). 

I have not had any confirmation to date and she is no longer taking my calls. I keep informing the collection agency that this debt is NOT MINE and they should send this dispute back to XXXX. They still keep calling me! 


This predatory practice seem to be the norm at XXXX billing as I have gotten the same complaint for my mother and some friends. It appears that the actual practice has no control over the billing department and the billing department would rather harass the customer than fix their billing software. 

I am filling this complaint on principal. Please investigate.

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 2017-05-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.

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 2020-09-27
Company: North State Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The closed paid charge off account was voluntarily deleted from my XXXX  credit report. On XX/XX/20 I submitted a dispute to XXXX, XXXX, and directly to the company to request the deletion of the account due to it having been deleted from XXXX  and also due to inconsistent and inaccurate information when comparing the reports. The company corporate finance specialist in response to my dispute informed me that the company is not responsible for reporting monthly account history ( number of days late and the number of charge offs ) or status and suggested that other accounts on my report were probably being included hence causing the inaccuracies. Both the report responsibility and suggestion I know to be false. I have only one other account on my report which is three weeks old and open. On XX/XX/20 the company added the closed paid charge off acct back to my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : Please help me ; I want to keep my home. 
For the past 7 months, I have been cooperating with XXXX XXXX XXXX and now Selene Finance to provide all the documentation required to modify my first mortgage which is a 30 year Conventional Jumbo ARM. I have attempted several times to get written confirmation from Selene Finance that my documentation previously submitted to XXXX XXXX XXXX was transferred. This has yet to happen. 
Despite Selene Finance 's unreasonable deadline requests to provide for additional documentation ( which I have submitted every single time on a timely basis ), they seem to be more focused in foreclosing my property instead of helping me keep my home which I have worked very hard since 2003 to pay and maintain. 
Therefore, this written description serves as my written request to submit my official complaint against my loan servicer, Selene Finance, in helping me modify my mortgage due to the following : 1. Unresponsive : loan resolution department head has yet to return my repeated phone calls 2. Contradictory requests for missing documentation : Despite providing " missing documentation '' via certified mail on a timely & repeated basis, Selene Finance letters are unsigned, repetitive, confusing, and contradictory. 
3. Confusing follow-up process : my first mortgage was recently transferred from XXXX XXXX XXXX to Selene Finance. 
4. Wrong focus : instead of helping me modify my mortgage due to continued financial hardship as a result of a recent separation from spouse and therefore loss of dual income, Selene Finance refuses to help, does not offer any options ( lowering my rate and/or extending the term of my first mortgage -I have XXXX mortgages on my home- ), and worse-yet facilitates the selling of my home by requiring to dialogue with realtors who are not specialists in modification. 
Since it is my firm desire to keep my property, I look forward to speaking with a CFPB representative either in person and/or via phone. Please note I have kept diligent records and can show tangible proof Selene Finance committed surprising number of errors that often are grounds to challenge a foreclosure action. 
Since time is of the essence, I thank you in advance for your immediate attention & response to the contents of this written complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: FCI Lender Services Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FCI Lender services became the servicing company for my mortgage loan ~3-4 years ago. I have been paying on the loan since this time with no late or past due payments. Upon refinancing another mortgage I learned none of my payments ere being reported to the credit bureau. In order to pay off this company a verification of mortgage was needed. This process was very complicated and I later found out cost {$25.00}. This charge I was unaware of until I received my monthly statement. On XXXX/XXXX/16 I called in to pay off my loan. Upon speaking to the CSR I was told that I could n't pay off my loan without a payoff. After telling her the amount I was given on the verification she informed me that amount was n't correct and I would need a payoff that would have to be sent in the mail. This would take time and the interest as well as monthly draft would continue. After much discussion, she informed me of the {$25.00} outstanding fee, as well as an {$18.00} fee for phone payment that would be added to the amount that she could not verify as the payoff or not. After making check payment, I was informed the check would take 10 days to clear which could involve further interest as this had to be verified by the lender. I requested to speak with a manager and initially told the manager was gone because they had already closed. Then asked to hold on for her to find someone. XXXX came to the phone and offered no resolution to the issue of waiving any fees and again assured me of the time frames of check clearance and the possibility of further interest accrual. She also informed me the request for a payoff was {$30.00} and the only way to get funds quicker was to wire the money or do cashiers check. Again, more money to simply pay off what was already owed.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX Account XXXX Debt Buyer, 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 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 2015-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Amsher Collection Agency collecting a XXXX disputed debt. The employee, XXXX, was abusive and bullyish. There were other ways to look up my account and he was very rude insisting that I had to give him my whole SS #. When I refused to do that he lied and said I had to. When he found my account using the phone number he said i had to call a different number. I asked him to wait a moment while I went to my desk to get a pen. He said call us back when you have a pen and hung up the phone. The amount I owe is small, I do n't even really owe it - this man was beyond rude and completely unsuited to this line of work. I called back and XXXX XXXX took care of me. Offered no apology regarding his employee 's abusive attitude. 
I can only imagine how bad someone with a real and large debt would feel about this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: PA
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 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 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 2020-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX XXXX However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX Portfolio Recovery Associates, LLC brought this old credit card from XXXXXXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also Portfolio Recovery Associates, LLC posing as XXXX XXXX XXXX  ( XXXX ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, XXXX posing XXXX  XXXX ( XXXX ) ; we are currently in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
i have an us bank credit card and i have been charged excessive fees on my account and tried to settle the account due to a family crisis and called US BANK to get som assistance with payment options and was informed that i could n't get help this account has ruined my credit and have n't helped me

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