BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: The Best Service Co.,Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + The Best Service CO/XXXX  On a recent check of my credit reports I see there is a collection/charge off account from The Best Service CO/XXXX  saying I owe a debt of {$4700.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

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 2017-05-09
Company: Penn Credit Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is listing multiple incorrect addresses that I have never lived at on my credit report. When I attempt to dispute that personal information as incorrect, Experian is refusing to allow me to even dispute the addresses. They are forcing me to call collection companies to dispute the incorrect information with them rather than Experian performing their own independent accuracy check which they are required to do under the Fair Credit Reporting Act. Experian is also attempting to coerce people into not disputing incorrect personal information by saying it does not affect your credit score ; however, the incorrect information on their credit report about my address history has resulted in my being rejected on multiple rental applications ( losing housing fees and being unable to find somewhere to live ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : My client  XXXX   XXXX  has been trying to modify his home for  XXXX  years. Accumulation during that time is in excess of {$100000.00} in payments during this ; Prior to   XXXX   numerous issues plagued his ability to get modify including judgments against his home and his inability to deposit his income for fear that the judgment creditors would seize his bank accounts. In an effort to resolve this matter. The client filed for bankruptcy, made a motion to relieve the home from judgment creditors both which were granted. In addition he has saved {$30000.00} to put towards any arrears and submitted the modification again . Wells Fargo  has refused to process this modification stating that there is no change in circumstance ; I believe discharge in bankruptcy, showing all income via bank deposits and a contribution of {$30000.00} is more than a change of circumstance.

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 2019-04-04
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit for medical services that I have never used. I do not recognize this account nor the details mentioned. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I had until XXXX XXXX  on XX/XX/2023, I paid them and went to pick up my car I did not know they destroyed my license plate I didn't know it was considered private property. So they told me at the auction I could go so secretary of state and pay XXXX dollars. I went to secretary of state and they said my title was no good. I call credit acceptance and ask them what to do, they say well it should be in the mail in about XXXX weeks. I asked them why I wasn't told that before I made my payment and they said that's their policy. I also asked how could they sale my title before the date they gave me to pay it? That's their policy. Their policy can have me possibly losing my job. I spent all my money getting the vehicle I don't have money to take a XXXX  to work.

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 2023-05-01
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am writing in hopes that I can get my automobile title situation resolved as quickly as possible and would appreciate your assistance and investigation into this matter. The vehicle I am writing about is a XXXX XXXX XXXX - VIN # : XXXX. I was at the end of my lease on the XXXX from Hyundai Motor Finance and I decided to payoff/purchase the vehicle instead of returning it. I requested a payoff quote and mailed Hyundai Motor Finance a cashier 's check in the amount of {$10000.00} on XX/XX/XXXX. Hyundai Motor Finance received and applied the check to my account on XX/XX/XXXX. The only document I received from Hyundai Motor Finance for proof of payoff was a Paid In Full Letter ( attached below ). I asked if needed anymore documents in order to obtain my vehicle title and a representative told me they had submitted an electronic release of lien to the TxDMV. Unfortunately, I have attempted to obtain the title of the XXXX XXXX for the past year now with 2 visits to the XXXX XXXX  Tax Office in XXXX, TX with the representative telling me they have received no electronic release of lien from Hyundai and that Hyundai Motor Finance was still the owner of the vehicle. They told me the Paid In Full Letter and my copy of the cashier 's check was NOT enough documentation to complete the title transfer. Can you please help me obtain the vehicle title for my XXXX XXXX? I have tried in good faith to have Hyundai confirm they had already submitted an electronic release of lien to the TxDMV and there was nothing else they can do for me. I have read many other horror stories online on XXXX forums with other consumers having the exact same problems with obtaining vehicle titles from Hyundai Motor Finance. I am NOT alone in this predicament. It was recommended in those forums to file complaints with the XXXX and CFPB describing my situation as I am doing now over 1 year and 3 months later! I would appreciate a quick response to my inquiry. Please contact me at XXXX or on my cell phone at XXXX with any updates/next steps. Thank you for your assistance in this matter.

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 2019-08-07
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days. 

I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period. 

I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.

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 2023-05-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 I woke up and saw a mobile deposit in my account that I did not recognize or authorize but before any of that I had a balance of XXXX in my account when I woke up Friday morning I tried to make a withdrawal at truist bank and they told me I couldnt

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 2019-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a complete formal dinning set from Macy 's on XXXX XXXX 12018. The total amount of purchase : {$4100.00}. Upon receiving the delivery of the furniture in question, I noticed some blemishes/damages on the surface of the dinning table. I contacted Macy 's furniture to advised of the received defective furniture. Macy  's made several attempts to replace the damaged item with a newly fabricated tables but were unable to match the finish on the original table, and 8-chairs. The primary reason, according to a Macy 's representative was due to Macy   's changed furniture manufacture and supplier. As, result, Macy   's offered and I accepted an agreed resolution which Macy 's promised to provide a customer accommodation, an allowance of {$1800.00} ; to be forwarded and credited on my account balance. It has been approximately, four months since this resolution agreement was accepted and no adjustment to reflect the said allowance has been credited to my account. My wife and I have attempted at least 5-different occasion to request the adjustment, but we keep getting false assurances. Macy 's representatives tell us that the adjustment appear on my account within 10 to 14 business days, within 15 to 19 business days, and the most recent within 5 business days but my account is never adjusted to show the allowance discount.

In addition, I have sent out at least two emails via Macy 's online web site, and on particular to the corporate email address, but to no avail. 

The agreed resolution is in writing on an email sent to us from XXXX to our email address. This Macy 's Keep As is Agreement shows the allowance amount of {$1800.00}. However, as mentioned the amount has not been discounted from my credit card 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 monetary relief
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, I logged into my Capital One account to check when my promotional period was over for a promotion I had signed up for sometime in XX/XX/XXXX. No where in my account statement or in my online portal did I see a date for when the promotional period expired and therefore would start to charge interest on my account. Capital One previously advertised a promotional period of 15 months, so I went off of only that, which was only mentioned to me before I opened the account. I did not receive notice of when the promotion would end or given a specific date on any of my statements. Therefore, since I more or less knew the promotion would expire at the end of XXXX, I went ahead and scheduled a balance transfer to transfer my balance to another credit card and avoid interest. I have over 5 credit cards where I have participated in these promotions ( e.g., XXXX, XXXX XXXX, XXXX XXXX ) and each card has provided me this information on my account statements. Now, XX/XX/XXXX, I notice an interest charge on my account and call Capital One to see if they can waive it, given the fact that I've made all my payments on time since I opened the card, and multiple banks also give a one-time waiver for such miscommunication errors. Capital One did not offer any help and although they knew the date my promotion expired, they could not point me to a place on the account statement that showed when the promotional period expired. In comparing to all the bank accounts I've had for over 10 years and related credit cards, I have never seen a statement so misleading and deceptive. If this is happening to someone like me, who is a licensed attorney, I can not imagine how much money Capital One makes doing this to other loyal customers. Therefore, although the charge I am complaining about is only about {$25.00}, this is about much more than that : deceiving loyal customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX  I called Chase Bank to report a transaction from XXXX that I didn't recognize on my account in the amount of {$610.00} and they opened a claim. XXXX XXXX XXXX XXXX XXXX  and had misplaced my debit and initially assumed it was a fraud transaction. However, when I later spoke to my husband he told me that he had to re-book a flight through XXXX and was charged that amount ( we share an account ). Because I had reported the charge as an unauthorized transaction, on the day of his flight XXXX XXXX XXXX XXXX  ), XXXX required him to make that payment again since the initial was reversed by my bank ( bc of the claim I made ). He made the payment at the XXXX desk counter at the airport ( receipt attached ). As this is happening, Chase still had to resolve the claim I submitted so they reached out to XXXX to confirm that the payment on XX/XX/XXXX was in reference to recovering the loss funds on XXXX XXXX XXXX Instead, Chase has informed me that XXXX said these are two different payments which is not true. On the receipt I've attached, it even lists " loss recovery ''. Chase has now taken that {$610.00} out of my account and essentially I am now being charged TWICE for one transaction. Chase has informed me that I need to resolve this with XXXX and so far I have been unsuccessful in getting anyone to assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: American Credit Acceptance, LLC
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it

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 2018-10-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
While checking out online at both Walmart, com, and XXXX, XXXX I got offers for their cards. Nowhere within this offering does it name XXXX XXXX- yet they are the ones my application was sent to. 

1. They send a " letter '' : through a portal in your email- I had different computers and operating systems and neither could open this format- couldn't find any program that could. So I called them ( this was very difficult to reach them their overseas staff was unable to give the location of the main office nor any contact number- this was Walmart `` turn down ''. 

2. When I finally located them and asked why I was turned down- they were unable to disclose this information but did finally send a letter to my new address- after much proving who I was. The letter was nondescript and too general to pinpoint the reason for turn down. I know late pays were not the cause, and I know my credit FICO was @ XXXX. Maybe too short of a time credit history? 

3. After much demanding XXXX searching I contacted the person at the " Bank '' who sent me the turn down. I asked what the exact reason was ( this damages your credit! ) I was told that Walmart gives us the specifications and she was not at liberty to tell me. 
In other words there is room for discrimination w/o explanation. 

1.XXXX  fast forward another year credit score near 700 no late pays and checking out with XXXX, applied for credit with that basket of merchandise..Guess who XXXX XXXX and another turn down . Again I had to access a portal and the file was not known so I could not open - Now a XXXX XXXX computer! I did not bother with the stress of calling over the globe ... Only to be given general answers- such as late pays, low credit score, or maybe length of credit? And another ding in my credit courtesy of XXXX XXXX - but now I have a full 3 years of no late pays and XXXX score and I can not imagine.. 

If you allow credit card issuers to be general in individual turn downs then we will not know the parameters we are shooting for and we will be damaging the credit we worked so hard to build. Also it leaves room for discrimination.. 

Cross reference this complaint with my earlier complaint highlighting the credit freeze and ID theft that I did not place 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