BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: The CMI Group, Inc.
State: GA
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:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. Thank You.

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 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, around XXXX XXXX, my purse was stolen from a gym 's locker room. The burglar broke the locker room 's lock and took my bag and wallet. I reported the instance to the gym staff and police. At XXXX XXXX, I received a message from Capital One and ask me if I had made a purchase in XXXX # XXXX, and I replied that my purse was stolen, and I didn't make that purchase. 

I called Capital One later and told them my purse was stolen. However, the thief used my card and spent {$710.00} on XX/XX/XXXX at a XXXX. On XX/XX/XXXX, Capital One credited my account to a new credit card number {$710.00}. But on XX/XX/XXXX, Capital One returned the fraud charges to my account. 

I called the Capital One fraud department on XX/XX/XXXX, and the person helping me said she would take care of the issue. After a week, the charges remained on my account, so I called Capital One on XX/XX/XXXX. The person helping me said the investigation showed that I authorized the purchases. I asked her who was the person I authorized ; she said she could not tell me. I said, " If you can not prove that I approved someone to use my stolen card, how can you say I authorized the purchase? She told me it would take another 90 days to investigate the case. But I need to pay the balance first. So far, Capital One is still keeping the fraud charges in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single  family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-06-13
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
I had my wallet taken and filed a police report. I did not know how to dispute information the right way. I finally received correct information and sent it to all three credit bureaus and all creditors. And it still remains on my file. They will not remove incorrect addresses and incorrect variations of names. This person or persons have been ruining my name for over 15 yrs I pay my bills and they go out and continue to apply and receive goods not authorized by me. I had my taxes taken every year and had to go to child support and get a refund judge gave judicial clearance because he put a warrant out she got sec 8 and all and I can not get my credit in order. They need to remove the items that do kit belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 after documenting complaint # XXXX with the XXXX XXXX XXXX XXXX ; I received a letter from Select Portfolio Servicing , Inc . Proceeding to correct errors in my account, Select Portfolio Servicing , Inc. would be waiving late fees in the amount of {$1000.00} as of XX/XX/XXXX and I would see the update in my next monthly statement. 
As of the date of the letter the amount of my monthly bill was due for XXXX. 
On XX/XX/2018 I received another letter that was confusing. I have been paying {$930.00} for years and this letter stated that after they increased my payments to {$980.00} Select Portfolio Servicing , Inc. would be lowering these payments to {$940.00}. But how does that benefit me??? 
The letter also stated that Select Portfolio Servicing , Inc. did indeed over pay the property taxes. I explained that I have always paid them myself. But Select Portfolio Servicing, Inc. paid them anyway, In error, and now there is a big credit in my property tax account. 
Also on XX/XX/2018 I received a second letter that stated that I had no home owners insurance although I do. 
Shortly after the home owners insurance company attempted to cancel my insurance. 
Blessed, I have continued with home owners insurance without any lapse. 
More recently, I received a billing statement from Select Portfolio Servicing , Inc. that reflects an increase in fees and an additional sum of {$61.00} that I know nothing about along with an incorrect amount of total payments. 
If in XXXX Select Portfolio Servicing stated that I owed for XXXX. why does this billing statement reflect over 3 months behind? 
And why am I after all this time still paying 5 % or more interest when every other company is advising me that I should be charged 3 % or lower?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 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, 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 a 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 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The three companies, XXXX, XXXX, and Experian continue to block reports so that companies seeking information regarding XXXX XXXX per his request can not get the access to the account because the account is blocked. 
I never have requested that the companies block the account. They do it for their on purposes. 

Today, XX/XX/XXXX, XXXX XXXX informed me that there is a block on the accounts. I did not request a block. 

Please contact the three companies and inform them that I do not request a block.

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 2018-10-30
Company: JPMORGAN CHASE & CO.
State: NV
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 balance transfer

Complaint:
I applied for a new line of credit with Chase Freedom for the sole purpose of transferring the balances from three other accounts. Chase only approved one, but decided not to tell me this fact until I received it in a letter in the mail. They chose one account, but I'd rather it be from another account. The letter was dated XX/XX/XXXX, but was not received until XX/XX/XXXX. In the letter, there is an option to update or cancel balance transfers ( which is exactly what I want to do ) before XX/XX/XXXX, which is utterly impossible to do, so I called customer service call center for Chase, XXXX. According to the rude woman, I she can do nothing, even though I was not given this notice until XX/XX/XXXX. She couldn't have cared less and would not help me, which I found rude and frustrating. Why should I be penalized for slow mail? I asked for a supervisor- even though she was told about the situation, still managed to ask, how can I help you- she was even less willing to help than the regular rep. Frustration grew because I was talking to a wall- she was non-empathetic and did not care to help, so I requested someone else to talk to, someone who is more willing to do their job and help the customer. I then received a message stating that my number is now blocked from calling Chase, I am no longer allowed to call in, and that I must e-mail moving forward. Why am I being penalized for their mistakes? Help the customer! This is not a good beginning for a customer. Chase is too big to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a bicycle from XXXX ( XXXX area ) for {$980.00}. At the store I was never told I owed interest after a one-year deadline. I also found ( 4 ) late fees totaling {$110.00} after I paid off the bike in XX/XX/2019. I called to complain because I had paid much more than the minimum asked every month. A man on the line for Comenity Bank said I shouldn't have had late fees if I paid more than minimum but put me on hold to check things.He later gave me {$15.00} then a total of {$45.00} off to bring my total to {$72.00}. I then paid the minimum of {$30.00} on XX/XX/XXXX to bring it down to {$42.00}. My year deadline was XX/XX/XXXX and after vacation I checked my bill ( after XX/XX/XXXX ) and it showed {$200.00}. They charged me {$150.00} interest plus some {$1.00} fee to make that total. I called again and a woman said there was nothing she could do and said on my statement in big " red '' print tells me of my deadline and interest to be charged. I received one paper bill and there is no red print telling me of this. I subsequently received electronic bills and paid on their website ( comenity.net/trek  ). No where on first electronic page or the page where I pay my bill does it say anything about a XX/XX/XXXX deadline. It does refer to " deferred plan interest info '' but nothing about MY interest and a XX/XX/XXXX deadline. They are involved in unfair and deceptive practices.I would have paid the late fees before XX/XX/XXXX as I only owed {$42.00} but I knew nothing about interest after a deadline. The bike sum has been paid, the late fees have been paid and I still owe {$160.00} interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue what this debt is or who the creditor even is. This is not my debt, I have never saw this debt before. I have tried over and over to contact this company, dispute this debt, asked for clarification of this debt, and done everything that I can do to prove that this is not my debt however month after month there is no true and proper investigation. There is no response given to me that proves this is my debt, there is no description of what this debt even is. It says XXXX on my credit report. And this debt has been removed from my XXXX Credit report however it is still there on my XXXX. This is not my debt and I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. My wife test drove this vehicle and was t-boned during the test drive, to which the car was total lost with the other driver being at fault. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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 just noticed that each month on the Care Credit card statement there is a charge of {$160.00} for XXXX XXXX. I asked the card company what this was and they said it was an optional service that was offered by another company. They gave me the telephone number to call. I spoke with a representative, XXXX, who said that this service was initiated when we first applied for the card and it was approved electronically. I requested that proof of this application for this service be supplied and she said she could not email it, that it will be mailed in XXXX business days. When I asked what we should do if we don't get it she said to call back and request again. I demanded that this service be immediately terminated as it was not authorized. She continued to say that it was a part of the application submitted. There is no way that we would have signed up for this and everything I have read shows that it is a deceptive practice imbedded in the application that many people fall prey to.

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