BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Adler Wallach Associates Inc. ( AWA Collections ) is operating illegally and in bad faith in attempting to collect a debt that : a. ) they have not proven in writing is mine b. ) exceeds California 's statute of limitations on this type of debt ( breach of contract ). 

Specifically, I contacted AWA Collections today, XX/XX/XXXX, regarding a derogatory item with their information showing up on my credit report. I was told by an AWA collection agent that AWA was collecting debt in the amount of approximately {$2400.00}, including interest, from an XXXX XXXX XXXX that I allegedly cosigned in XXXX. I advised the agent that I have no recollection of cosigning such a document and/or any other document that would obligate me to pay anything. I asked the agent to provide me with a verification of the debt, required by FDCPA sec 809, and she refused to do so.

Furthermore, I advised the AWA agent that, even if I were to have unwittingly cosigned a contract/application/bail bond with XXXX XXXX XXXX in XXXX, over six ( 6 ) years ago, the debt is not enforceable, as it exceeds California 's statute of limitations of four ( 4 ) years to collect such debt, under section 337 of the Californa Code of Civil Procedure regarding written contracts. The AWA agent told me that this is not the case and that they can and will continue collection efforts on the debt. I advised the agent that to continue to do so is illegal. 

Therefore, I informed the agent that I am denying that I owe any amounts because AWA can not prove that I owe anything and, even if they were able to do so, the debt is unenforceable under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-04-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
THEY CALLED ME AND MADE THREATS ABOUT ME NOT PAYING AND SAID THEY WOULD SUE AND TAKE EVERYTHING I OWN ME AND MY FAMILY WOULD HAVE NOTHING IF I DO NOT PAY THEM ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the ATM at my bank ( Chase ) on XX/XX/XXXX and checked my balance. I saw that it had only {$14.00}, when I knew that I should have a lot more. I then checked the last five transactions, and saw that there were two withdrawals that I had not made - of {$1800.00} on XX/XX/XXXX and of {$180.00} on XX/XX/XXXX. I went to the teller and reported this. She said they would investigate it and to come back the following Monday. I went back several times. On XX/XX/XXXX, they gave me a letter that said they denied my claim because I benefited from the funds and that they would not pay me back the money that was withdrawn. At the same time, they recommended that I close my account and put an alert on my account at chase.com to protect myself against fraud. On XX/XX/XXXX, a Chase employee gave me a copy of the withdrawal forms for these two withdrawals, along with the two IDs that I used to open the account. They claimed that it showed that the signature on the withdrawal slips is the same as that on the documents, and that the passport was used as an ID when the withdrawals were made. That passport was stolen from me on XX/XX/XXXX. Those signatures are not mine. I sign with my XXXX XXXX since I had a XXXX although I was formerly XXXX. I could not have made the signatures on the withdrawals slips that they claim are mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: Mercedes Benz Financial Services
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:
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this follow up complaint to once more for a reason that am still seeing these accounts in my Experian and XXXX credit file. And it was already making me anxious as even how many times I am requesting the Experian and XXXX Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the Experian and XXXX Credit Bureaus to REMOVE these specified accounts from my credit file : EXPERIAN : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX : XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $-

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 2023-02-08
Company: Experian Information Solutions Inc.
State: IN
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:
According to the law USC 1681 and USC1681s2 my rights were violated.By law I have a right to privacy. 


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 explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am trying to apply for a business credit card through Capital One, I currently have personal credit cards through them so I thought this would be a relatively straightforward process. I submitted an application which seemed to be approved, provided that I submit the following documents : -Articles of Organization for the LLC -Phone Bill with business name and physical address used on application -Bank Statement with business name and physical address used on application Because the Articles of Organization for my LLC was established under a virtual address, I could not use it for the application for a business credit card, so I used my physical address instead. Due to this, I was asked to also submit two documents showing the business name and physical address used on the application, of which I have a phone bill and bank statement. I submitted these documents with my LLC name listed and my physical address and was told they were not acceptable, and was also denied to provide any reason as to why they weren't accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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 status incorrect

Complaint:
In reference to account # XXXX I've been asking XXXX XXXX to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). XXXX XXXX stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to 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 2020-12-12
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My loan got sold from XXXX XXXX to Rushmore loan Management which is a collection agents. I never miss or was late on a payment ever of any kind. When contacted company for first time I asked when I make payments more than what's do will they go to principal they said sure and I did not have to call it would be auto. I started making double payments per month and checked a couple a months later to find out they where applied to future payment as if they were being paid on time the month they were due. So I didn't have a payment due for three month, so when I waited for the next due date cause they would not answer by calls or e-mails to them. The next on time payment was applied all to interest no principal so my wife and me with XXXX credit score went shopping and changing to XXXX XXXX  for lower rate and better service, I was done wrong and want it to be known and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: National Credit Systems,Inc.
State: CO
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:
This is an erroneous collection by XXXX XXXX XXXX. This account was before the XXXX XXXX XXXX  XXXX XXXX XXXX district that was placed by XXXX XXXX XXXX filed in XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX transferred it to National Credit Systems XXXX the account number. 

The XXXX Judicial Court, in XXXX XXXX, MO, was not finished with the case when XXXX XXXX XXXX transferred my account to a collection agency. 

The case was dismissed by the court on XX/XX/XXXX, by the court XXXX. 

All this time up until now, I have been denied to rent an apartment. 

So I reached out to the courts this month XX/XX/XXXX to let them know what was going on. The court reissued an order of dismissal again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED. 

For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account. I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-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. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Kohls credit card financed by Capital One continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 
AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING THE ARBITRATION AGREEMENT, THE CONTACT FOR THE LEGAL DEPARTMENT AND THAT YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was recently switched from XXXX serving to Mohela for my student loan serving department. Since this transition Ive had issues with getting my employment verified to complete my PSLF employment certification. I have submitted documents on multiple occasion and the documents tend to be mark as duplicates without reviewal even when they are new forms. All of the forms submitted have all my employment history to certify my payments but they are not being reviewed, therefore, I still have payments that state they require " employment certification ''. Which is incorrect because all the documentation needed has been submitted. I have contact the company on multiple occasion and they state the payment tracker is " behind '', however this is the same incident that occurred when I had to resubmit my paperwork and wait an addition 60 days for it to be review again. My forms were submitted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they all were marked duplicated without a thorough review. This situation is putting a hold on my PSLF employment requirement certification and therefore putting a hold on my forgiveness application. Additionally I submitted a request in XX/XX/XXXX and again in XX/XX/XXXX to have a payment refunded to me that was made in XXXX of XXXX that has still not been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: General Motors Financial Company, 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 status incorrect

Complaint:
In reference to account # XXXX I've been asking GM Financial to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). GM financial stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, 2023.I had ordered an pair of sneakers using my chase credit card on XXXX of an amount of XXXX dollars in which i never received. My credit card provided informed me to mailed me some documents to sign that i never received at all. I need an solution for this issue.

Company response to consumer: Closed with explanation