BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BCA Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BCA Financial Services Inc. took it upon oneself to post reputation destroying information to all three of my consumer credit reports concerning an alleged debt without contacting me prior to this attempt of XXXX of my character and well being. Upon calling this debt collector in attempts to correct the inaccurate location information the debt collector proceeded in attempts to coerce me into paying on an alleged debt along with giving incentives like offering a settlement for less than the alleged debt. This account was posted to my XXXX, XXXX  and XXXX Credit Reports XX/XX/XXXX for the alleged balance of {$400.00}. I, the consumer, sent a letter to BCA Financial Services in XX/XX/XXXX and received a response on XX/XX/XXXX. I responded with a cease and desist, affidavit of truth, invoice of violations, exhibits of those violations in a certified mail return receipt on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my paycheck into my checking account. I then checked my account later, and it told me that all the funds from the deposit were available. So I proceeded to transfer money into my joint account with my husband, my savings account and my daughters account. I try to only leave enough money in my checking account to pay the current bills. I checked my account this morning to see I was hit with XXXX overdraft fees at {$35.00} a piece, for a total of {$170.00}. This again over drafted my account. I called to speak to someone over the phone only to be told that even though my account said my paycheck deposit was available, it was not available. So I over drafted my account as soon as I had transferred the money, let alone the purchases I had made that day. I was told there was nothing that could be done as I was enrolled in overdraft protection on my debit card, even though in XXXX I had asked them to remove me from it. So now my husband I are going to be late on our mortgage, among other bills, plus I am worried about just getting food for our kids. I would not have transferred the money if I did not think it was available. If I have ever deposited my paycheck and the full amount was not available, it would tell me {$100.00} available from deposit. Not the full amount, which this time it did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After being approved for a loan modification in which the value is much less then what is owed I decided to submit a short sale. The offer of XXXX was submitted and the appraisal was done at XXXX. Fay servicing closed the short sale without communicating to me the value or asking for any counter offer. I submitted an appeal, see attached. Fay failed to send this appeal to the investor stating over the phone in a recorded conversation that they don't have to send the appeal to the investor because I had a modification approved in XXXX. According to their servicing agreement with the investor they are not authorized to make appeal decisions on their own without investor input. It is very clear that Fay servicing is making their own decisions on files being approved and denied. In this case they denied my short sale so they can foreclose on the property and move the file to their XXXX department so they can continue to charge the investor for servicing the loan after the foreclosure is complete. The rep on the file was ( XXXX ) XXXX and his supervisor is no better, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In 2012 my wife signed up for a Nordstrom Visa, I did not apply. A few weeks later, we both received a credit card, though I was not listed to get one. I noticed a year or so later that Nordstroms Visa was showing up on my personal credit bureau. I do not know how they got my social security #. I called to cancel the card today and was told that I am not able to cancel the card. To clarify, I was not calling to cancel my wife 's account. This was strictly to cancel the account Nordstrom set up for me without my consent. According to the representative, only my wife can cancel the card that is issued to me and is showing up on my credit. I am not able to do so. How is it my wife has more authority over my personal credit than I do? Look, if Nordstrom issued me a card on my wife 's account and it was not tied to my credit then I get it, its up to her to cancel. But, since Nordstrom has put this on my personal credit bureau, it is now up to me. I do not understand how Nordstrom can keep a credit card active ( that has a XXXX balance and is rarely used ) for a customer who requests it be canceled. Please help me here. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Balance Owed : {$2400.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

XXXX XXXX XXXX Balance Owed : {$110.00} - This account was taken care of with original creditor prior to going to collection, this is an error please remove this account.

XXXX XXXX XXXX  Balance Owed : {$58.00} - Delete this unknown account unless you can provide me with proof of a contract with my signature.

XXXX XXXX XXXX  Balance Owed : {$260.00} - Reporting unknown which means it's incomplete, please delete this account.

XXXX XXXX XXXX Balance Owed : {$170.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.

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 2017-01-06
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a summons from XXXX the attorney for Express Recovery Services in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of XXXX today, XX/XX/2017, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Due to identity theft, I have a seven year alert at the credit reporting agencies. Despite this, a known identity thief who has my personal information was successful in opening a Chase XXXX Bank Card account in my name, with the thief 's name added as well. I was informed of the inquiry through my XXXX account. I called Chase security department who was unaware of the fraud alert, and closed the account. They said they would conduct an investigation. I informed them that I had this fraud alert and this account should not have been issued without me receiving a call from XXXX or XXXX. They went ahead and opened it. What would have happened next is the thief would lock down the account with a password and change the address to theirs in Washington state. This has happened twice previously, with XXXX Bank and with XXXX who assisted me in setting up the fraud alert in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: RI
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 XXXXXXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. account # XXXX, and XXXX XXXX XXXX XXXXXXXX account # XXXX have 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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion and told them I was a victim of fraud with their Inquire issue with someone applying for different credit cards and car loans and they refused to help me get those invalid inquires off of my report. Here are the list of items I tried to get help with. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-03-18
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In coordination with the below mentioned Student Loan Advocate and with the current pandemic I am submitting an additional complaint. This was the e-mail correspondence I initiated once my student loan came out of default. 



XXXX XXXX, XXXX XXXX XXXX XXXX Student Loan Ombudsman Office of Nevada State Treasurer XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Hello and Congratulations on your recent appointment as a Student Loan Advocate. I spoke to you at the beginning of the year about my loan being sent habilitation due to unpaid monthly payment for the past 3 years. XXXX, XXXX,XXXX was approved or IBR payments while XXXX I was in Collections/Rehabilitation for 10 months. 

I was diagnosed with XXXX  in XX/XX/XXXX due to complications with my XXXX XXXX therefore was hospitalized for 10 months. I started the IBR program before I got sick since we were a one income family. I have documentation of all my transactions, payments, history, approvals. Please review attached information in 4 separate e-mails. 

I believe that I was unfairly sent to rehabilitation and now doubling my total amount owed. Can you please review my case for possible refinance back to its original amount while clearing my credit record. Thank You. 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 2019-05-23
Company: Academy Mortgage Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We closed on our home XX/XX/XXXX. I was notified by XXXX XXXX of Academy Mortgage one hour before closing that my interest rate was higher than what we had agreed upon in XX/XX/XXXX. It was 4.25 % instead of 3.5 % from the Good Faith Estimate. She told me not to worry because she was handing me an envelope of {$400.00} cash at closing that would cover the difference for 6 months, and then she could refinance us at the end of 6 months. The cash did not cover 6 months of the higher payment. I contacted her 6 months later, and she said the rates were higher, and she was not able to lower our rates. I contacted an attorney in XX/XX/XXXX. This was supposed to filed in the court system, but the attorney has stopped communicating with me after he told me that her attorney was one of his good friends. The higher interest rate costs us {$170.00} a month more on our mortgage than what we originally had agreed upon. That is {$61000.00} over the course of the mortgage. 

I have emails and text messages between XXXX and I that I can forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Capio Partners, LLC
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : ASSETCARE LLC {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility IndividuaXXXX Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, and XXXX XXXX XXXX continue to report a fraudlent account on my credit files and continue to make threatening phone calls to my mothers home. I have requested for validation and verification but to know avail This is not my debt and they will not even send me any informaiton showing my signuatre ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: STERLING JEWELERS, 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: Account status incorrect

Complaint:
I have paid for an account in my name that I believe does not actually belong to myself. 
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment. 
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was ill for many years. 
taxes were filed again me originally in the State of XXXX since XX/XX/XXXX State of XXXX  sold rights off to this account to a collection agent to date in XX/XX/XXXX ; this collection agency has taken payments each month in the amount of {$1800.00} per month for 9 payments.

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