BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Designed Receivable Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX has placed XXXX collections on my XXXX credit file, one under the amount of {$500.00} in the amount of {$130.00}. Two others that are a duplicate of what's already been reported on my credit file. They are just different amounts. This company never sent me any communication stating that I owe them for any new collections. This action has caused my credit score to decrease XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan through Yamaha Financial Services Account ending in # XXXX. On XX/XX/2020, I called Yamaha to request a deferment for my XX/XX/2020 payment. I spoke to XXXX at Yamaha he assured me that Yamaha would defer my XX/XX/2020 payment. On XX/XX/2020 Yamaha began calling me stating that I was past due for the XX/XX/2020 payment I stated that XXXX told me the XXXX payment was deferred. I filed a complaint with XXXX and Yamaha responded to the complaint and states that " On XX/XX/2020 you called and spoke to a representative who mistakenly advised you that you would be able to receive an extension for your XXXX payment. '' Yamaha is now charging late fees to my account for XXXX payment and applying my current payments to the XXXX payment or previous month. They are reporting my account to credit bureau as past due 30-90 days. I have spoke to numerous supervisors and employees at Yamaha they refuse to correct my account. I have filed complaint with credit bureaus as well. I have requested corporate phone number via emails and they refuse to provide any further information so that I can resolve this. 

I have also had issues with Yamaha sending me a monthly statement they stated on recorded phone calls that they aren't required by law to send me a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, EOS CCA reported a debt collection action against me of {$1500.00} from a XXXX account billed to this address ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY In XXXX I noticed this on my credit report and I disputed it through XXXX. XXXX  informed EOS of my dispute and the company stopped reporting it to the credit reporting agencies on XX/XX/XXXX. 

It was still on my reports so I called EOS XX/XX/XXXX, and spoke to XXXX XXXX or XXXX? ) XXXX I confirmed the debt was from XXXX, and that the address that EOS and XXXX reported to the credit reporting agencies was the address above. I sent the collections agency a letter proving that my address is located in another city, that I have never had an address in XXXX and that I have not had a XXXX account for over a decade. 

XXXX a member of the " management team '' at EOS confirmed that this debt is under fraud investigation, that EOS is no longer the reporting agency of the debt. She told me that EOS received my letter of disputed address. 

I called EOS and spoke again to XXXX XXXX on XX/XX/XXXX. XXXX connected me to XXXX from the " management team '' who confirmed that EOS has opened a fraud investigation. They are no longer reporting the collection against me. They cant send me a letter that resolves me of responsibility though because they only have letters that state the total balance due. Apparently EOS does not have a process to resolve these types of mistakes that they have made. Perhaps they do not have any employees who know how to type a letter. 

On XX/XX/XXXX I spoke to XXXX at XXXX to have the item removed from my credit report. XXXX is unable to do that because she needs to hear from EOS that the debt is not in collections. Since the employees at EOS are not capable of communicating this, the debt is still listed on my report, damaging my credit worthiness. 

I don't know if the original debt was the result of someone using my name to obtain a XXXX account. But I do know that EOS is causing me harm by refusing to communicate with the credit reporting agencies and I am reporting EOS CCA for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : Good Day! 

As today XXXX XXXX I am writing you to take a look my concern and I take this seriously. My name is XXXX I received a letter from you and my radius debt collector as well and Id been calling USAA and after the ring itll go to operator or most hang up. So what USAA desire to fix this? As my concern may I ask for a dispute regarding the account from USAA. I spoke to a USAA representative I believe the name was XXXX last XX/XX/XXXX of XXXX. They mentioned the call maybe monitored or recorded so if I will request for you to take a look for the voice recorder and you will find a proof of evidence aside from the attached document I provided here. When the agreement mentioned and I agreed upon last XXXX XXXX I started paying {$55.00} on XXXX XXXX and the upcoming months it will be {$75.00} starting XX/XX/XXXX until XX/XX/XXXX and my last payment should be on XX/XX/XXXX. I called the USAA again last XXXX or XXXX for me to double check and I am excited because finally I will be out of debt from USAA but unfortunately they mentioned I still owe of {$650.00} and because of this scenario USAA put a {$730.00} amount definitely I DON'T AGREE with that esp when I spoke to a representative and I make sure no hidden charges or I will be done by XXXX of XXXX and he made sure that I will be done by XXXX and suddenly not. I was deceived and my credit score were affected so badly so I demand for a dispute for this and fix my credit score nor credit report and the balance I owe which should be about {$210.00} only and I demand as well for a debt free from USAA. 

I am looking forward to hear from you and fix that needs to be fixed. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: VA
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:
XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history

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 2020-12-17
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: Account information incorrect

Complaint:
The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}

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 2020-02-21
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/20 I submitted a {$500.00} payment using the Venmo app which is tied to my checking account. I accidentally sent the payment to the wrong person and contacted Venmo to reverse the payment. I had to have the person that I sent to in error call in to verify that the payment was made in error and that the transaction needed to be reversed. Despite the other party verifying their identity and confirming that the payment should be reversed, Venmo still will not return the funds to my account. I tried filing a reversal with XXXX XXXX XXXX XXXX where I opened the checking account ) at a branch location but they might not have the authority to reverse the payment either. 

Venmo is not cooperating at all despite me following the procedures that they outlined to receive the money back and my bank can't help much either, so at this point I don't know what else I can do or who to turn to. My bank advised me to submit the information to you for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Guild Mortgage Company LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage is currently with Guild Mortgage. I was approved for a refi with XXXX XXXX and started the process which would save me {$500.00} per month. I was ready to set a closing date but I have my home in a land trust and needed to remove the home from the land trust in order to close on the refinance. My title company told me i had to have the mortgage company along with myself sign a direction to convey. I sent my request on XX/XX/XXXX. On XX/XX/XXXX I called and emailed and was told it would take 10 business days. On XX/XX/XXXX I sent another request for update with no response. XX/XX/XXXX I called Guild again and was told I had to wait for a response and could not speak with anyone with regards to this. Today I lost my closing and can not hold the interest rate I had. I want to move my loan from them and want them to sign the direction to convey so I can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Specialized Loan Servicing. SLS I have had ongoing problems getting them to apply monthly mortgage funds to my account. They are showing as unapplied and unidentified fund? Numerous emails have been sent through their server with responses that make no sence and are unrelated. Also they automatically put my loan in forbearance a second time during covid without my permission or signature and when I wrote them about this they send it was no longer in forbearance. What???? Log back into account still showing forbearance. I am getting no where with them and do not like what they are doing with our money. I have take numerous screen shots as for some reason they company I am unable to print these pages to show proof of what they are doing. I also can not get thru on phone I have taken pictures of wait times. 45 minutes and over an hour with no pick up. I email also and ask for a call back with nothing.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm writing to you because after looking at my credit File which you report, there seems to be data Which i can not make heads or tales of. Please view the item below XXXX XXXX XXXX XXXX account XXXX Date of last activity has been re aged. and 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-03-01
Company: Carvana Group, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Pre Approved for an auto loan via XXXX XXXX for Carvana. Per XXXX XXXX my APR would be 8-9 %. However, Carvana advised my credit score was XXXX and financing would be a be slightly over 11 %. I reached out to them and said that seemed high for my score as well as shared XXXX XXXX rate that was given and was told there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been in dispute with Fox Collection Center since XXXX or XX/XX/2023. The debt collection company is refusing to remove inaccurate account information on my credit report and is violating my federally protected rights. I have provided proof of these violations. The company also responded to the CFPB in an untimely manner, and I am requesting that this issue is rectified. 

This company is also reporting on my consumer report as a debt collector and an attorney which is a violation of 15 USC 1692e ( 3 ) of the Fair Debt Collection Practices Act under False or Misleading Representations- ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The debt collector also did not send me any validation of debt per 15 USC 1692g as they stated they did on XX/XX/2023. They did not validate the debt upon request. The company did not cease all collection activities during the 30-day validation period. They are also reporting inaccurate information on my credit report for both XXXX and XXXX and reporting the account as open when the account is in fact a closed account. The FCRA is clear about 15 USC 1681 s-2 and other violations that have been stated in the law. The FCRA also mentions in 15 USC 1681e ( b ) that my consumer report must be XXXX percent accurate. The credit reports I have for both consumer reporting agencies are both inaccurate. I want the account from this company removed from all consumer reporting agencies and I demand that they cease and desist all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have visited a car lots multiple times and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have items showing on consumer report claiming to be mine. I do not have a contract with these corporations to collect anything from me. Ive written multiple dispute letters to XXXX and equifax about the issue and they have yet to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: NY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IN
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Spoke with XXXX in XXXX, FL ; Spoke with XXXX, Supervisor on XX/XX/2020. 

Capital One advertised their Capital One Venture One  card to me with promotional benefits and subsequently gave me an offer without the benefits which I accepted with the understanding per their advertising that I would receive the benefits namely their 12 month 0 % APR as well as their XXXX miles ( {$200.00} ) after spending {$500.00} within the first 3 months of having the card open. 

I was not given either of these benefits : the miles and was charged interest on my balance XX/XX/XXXX in the amount of {$21.00}. 

Please review. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already settled my account with XX/XX/XXXX. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector Resurgent capital services is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for XX/XX/XXXXto respond. They have been provided with the confirmation number and payment information but still have not removed the debt.

Company response to consumer: Closed with explanation