BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/23 Dear CFPB, I am writing you because capital one credit card company has the audacity to tell me if I can use my dollar via debit card from my bank checking account or my checking account to pay my bill. I contacted them I get some help and the woman who answered didnt know anything but to put me on hold for over 20 minutes. I dont like contacting the company when they dont understand plain XXXX  .. especially if thats what Ive spoken all my life. Capital One has audacity to tell me how to use my dollar bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had asked Midland Credit Management to stop contacting via a phone call, but they continued to contact my spouse useing very agreesive tones and I called them back and told them to not contact anyone in my family, but it still continued.I can get the dates on all the repeted calls but will need to pull cell phone recorfds to do so. At this point I am neither confirming or denying the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: SUNCOAST CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Ive been fighting back-and-forth with Suncoast credit union since about XX/XX/2023. Ive had massive amounts of fraud and fraudulent activity on my accounts to the point where they wont even let me have a debit card now because apparently its my fault that they allow fraudulent charges to occur they had to reimburse me {$2800.00} just in XXXX because of the dispute process, they left me stranded out of state with no money because of this fraudulent activity. Now I have installment loans with them. Ive never missed a payment theyre telling me theyre canceling my credit for my account because of poor credit performance with them that is a bold face lie Ive never missed a payment with them ever three loans I have with them every one of them is in good standing, it has been nothing but back-and-forth with them and I feel like Im being discriminated against at this point and Im done with it. I have tried and tried and tried with these people. They do nothing but screw me over. Also, all the sudden now when I log into my account I cant see when I made any payments on any of my credit accounts nowhere on there its just blank like I havent made any payments. Theres something wrong going on at the credit union there discriminating against me and Ive had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CHECK INTO CASH INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Check into cash has quite obviously committed violations, using deceptive methods, and ultimately violating my rights as a federally protected consumer under the fair debt collection practices act ( 15 USC 1692 ). They have called and text me many times and sent me an email on XX/XX/2021. They stated that I owe them debt in the amount of {$4500.00} which is a violation in accordance to 15 USC 1692b ( 2 ). They also contact me at unusual and inconvenient times which violates 15 USC 1692c ( a ) ( 1 ). In addition to this, they are guilty of attempting to coerce payment, threatening me, and leaving voicemails that do not disclose who they are, which violated 15 USC 1692d ( 1 ), 15 USC 1692d ( 4 ), and 15 USC 1692d ( 6 ). I notified this company in writing with a cease and desist and affidavit of truth stating that I refuse to pay the alleged debt theyre accusing me of owing and the violations they have committed against me. Those items, along with an invoice for each violation which totaled up to {$9000.00}, were sent on XXXX XXXX and were received on XXXX XXXX. I also filed a cfbp complaint on the XXXX and attached all the documents that I mailed to them. They responded to the complaint on the cfbp website XX/XX/2021 stating that they disagree when they are obviously guilty of these violations and according to 15 USC 1692k ( A ) each violation makes the company liable to compensate the consumer with {$1000.00} for each violation. Also, since I have sent the cease and desist which means all communication in relation to debt collection must cease, they have still contacted me which is another violation as well. I have contacted the attorney general and will go even farther if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
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:
Why is this account still reporting when I notified you that the account is inaccurate. The account XXXX XXXX XXXX XXXXXXXX XXXX not be reporting any derogatory months because this account was sold to XXXX XXXX  and this account is already reporting on my account. You are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. I do not understand why I have to do your job for you. If you would have contacted the creditor and the collection agency you would have realized that you are reporting 2 of the same accounts which is a violation of the FCRA. Please delete this account from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: MD
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:
Have a Problem with XXXX  there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on 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 2020-07-25
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX   they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-18
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our property taxes are escrowed with our mortgage company : Dovenmuehle. Our XXXX property taxes were due XX/XX/XXXX but Dovenmuehle failed to pay these taxes. I received a letter from XXXX XXXX XXXX XXXX XXXX informing us that our property taxes were delinquent on XX/XX/XXXX. I immediately contacted Dovenmuehle and was finally able to find out that they had sent the tax payment and a portion of the late fees via regular mail. I received a 2nd letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that there was still {$50.00} due in late fees and that they have placed a lien on our property! I immediately went to and paid the remaining {$50.00} out of our own pocket to ensure that our house was not foreclosed due to Dovenmuehle 's lack of action. 

I have spoken on the phone to Dovenmuehle at least 3 times : XXXX and supervisor Candle on XX/XX/XXXX, supervisor XXXX on XX/XX/XXXX ( who was supposed to follow-up with me but never did ), and supervisor XXXX on XX/XX/XXXX. Each time I was advised to email XXXX. I emailed this email address on XX/XX/XXXX and XX/XX/XXXX. I received a response on XX/XX/XXXX that " Our records indicate that we disbursed to the XXXX County on XX/XX/XXXX in the amount of {$3600.00} from your escrow account. We are next scheduled to disburse the anticipated amount of {$3100.00} in XX/XX/XXXX. '' This amount does not include the {$50.00} that was still outstanding so I contacted Dovenmuehle via phone and spoke to supervisor XXXX on XX/XX/XXXX. He again advised that I send proof of payment to XXXX. 
He confirmed receipt of the documentation on XX/XX/XXXX and assured me that it would be addressed and he would confirm with me XX/XX/XXXX. I never heard from him again. After resending the information on XX/XX/XXXX, I finally received an email response on XX/XX/XXXX that " Our records indicate that this matter was researched thoroughly, and it was determined that your taxes are paid current. We are next due to disburse a {$3600.00} tax payment on your behalf to the XXXX County Tax Commissioner in XX/XX/XXXX. '' I responded again on XX/XX/XXXX with documentation stating that they still owed us {$50.00} but don't expect a response. Hours on the phone over at least 3 calls and 5 emails later, we are still out {$50.00} with a lien on our record for 7 years. The customer service at Dovenmuehle is atrocious!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: NJ
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:
Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, and XX/XX/2023 I attempted to pay 2 credit card bills through ACH payment from Vystar Credit Union in Florida. This had been done every month for over 2 years to, and from, the same accounts. The money for both payments were in the account used, yet the bank rejected both payments without notifying me, because of aforgotten payment for a different credit card ( secured card ) that was serviced with Vystar. After speaking with a customer service representative, I was told that their members service agreement gives them the right to reject all payments made from the account until the secured credit card payment is brought current, which makes no sense because i technically prepaid the balance. Without sending any sort of reminder for the late payment before rejecting all payments I made from the checking account and causing multiple fees, then then closed the card and applied the secured payment. They have cost many members fees due to poor management decisions made of their online banking and currently have a class action against them because of it. I want anyone reading this to know that Vystar Credit Union is not a good bank since the past year and not to bank with 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 monetary relief
Consumer complaint received 2023-08-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
We rented a home from XXXX XXXX XXXX which we did a signed contract then renewed with XXXX XXXX and it went into default for {$1500.00} in XXXX of XXXX and we moved out. 7 Years later we now see Fair Collections for Invitation Homes ( which we never signed a contract with ) on our credit report for over {$2600.00} for this same address in default for XX/XX/XXXX which is ALL INACCURATE and should be removed completely. We are trying to get a bigger home for our terminally ill parent to live with us and this is causing so much strain to complete thjs process. We have contacted XXXXXXXX XXXX directly and they have responded stating their accounting department says we have to go through Fair Collections which has been very unsuccessful to say the least. They too agree the dates are not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was a XXXX XXXX  member who holds an XXXX XXXX XXXX credit card with American Express. I upgraded to XXXX XXXX in the past and my status was not being reported by XXXX to American Express automatically, causing me not to earn the 5 % agreed to in my card 's terms. I have since been thoroughly troubleshooting this with XXXX for over 6 months, and XXXX has been providing multiple stories, such as they have already sent my upgrade information, can not send it, or, in every case, that I need to contact American Express to resolve. I have also contacted American Express separately who is pointing fingers back to XXXX stating that they have not received the upgrade information rather than coming to a resolution as partners, and putting myself as the consumer in the middle. I have escalated this as high as possible with XXXX over the past 6 months and have not gotten a response nor a resolution, and I have needed to downgrade BXXXX XXXX in the meantime as I am not getting the benefits that are supposed to come with this card. Of course, I will upgrade again right away in order to resolve this issue. My information ( email, name, address, etc. ) matches exactly on both the American Express and XXXX sides, so I am not clear why I am not being upgraded immediately to the 5 % tier when activating a XXXX XXXX subscription. This is a co-branded card and a partnership and I need American Express to work with their partner, XXXX, on this issue to properly meet the terms agreed to with this card when I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a XXXX XXXX XXXX in XXXX of XXXX do almost XXXX I've be late a couple of times but always paid and here it's XX/XX/XXXX and I still owe the same almost. I got a couple of deferred payments I'm still where I started. I'm XXXX years old and struggling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Consumer Financial Protection Bureau : I am contacting you regarding Experian reporting practices and how I have been ignored. I have sent countless documents, such as my DL license, FTC reports and more and nothing has been done. I have been a part of several of their data breaches, and also sent identity theft documents police reports, affidavits, you name it. It's like their tactic to wear the consumer down to the point where you become exhausted. I have called them, submitted everything they could ask for and now they ignore my request. I need your help to have those erroneous items removed. I have asked for validation of debts and more and no response. I have attached my DL license once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Number : XXXX and Account Name : Dept of Ed/ XXXX, Account Number : 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was charged by US Auto Sales for CPI insurance although I had insurance since I purchased the vehicle. I submitted the proof of insurance to US Auto Sales but I was still charged CPI. US Auto Sales applied my payments to CPI insurance instead of my loan. They also added to my loan the cost of an extended warranty. I was not able to use the warranty at all as the company said the warranty was not valid because US Auto Sales never paid them. I am still riding around with Check engine light, ABS light, Traction light on. Also I have had to call US Auto on more than one occasion in regards to payment. I had to call twice to have my vehicle turned back on as I was not late on my payment. I had made my payment a couple of days before due and US Auto applied it as if I was making an additional payment not my regular payment.

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