BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: ARS National Services, Inc.
State: PA
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:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, ARS National Services INC is using extortionate means to collect o

n an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated wit
h this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by ARS National Services INC. Please be advised that providing a memorandum or other statement from your agency, stating that ARS National Services INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. 
see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: National Financial LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2018 loan for {$550.00} paying a total of XXXX at end of term in interest I paid the first payment and the second payment ive defaulted and within a day they are harrasing at work calling and thats not acceptable and messaged me saying they will not go away that they will call work and ask for my supervisor to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: MI
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 filed a dispute against XXXX XXXX on XX/XX/2019. This was my 2nd filing of the same problem XXXX has alleged that I was late with a payment of {$52.00} for XX/XX/2019. I was not late with this payment and i have spoken with this company and they are refusing to corect their mistake. My bank paid them on XX/XX/2019. My payment is dueon the XXXX of each month. I won't tis corrected because it is having an affect on my score. Please hlp me.

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 2020-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: PNC Bank N.A.
State: OH
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:
I'd like to complain about the fraud monitoring process for this credit card. 

I had a fraudulent charge on my PNC credit card. The company is investigating the matter further in their internal system. I asked the company why there was not an alert sent regarding this charge and asked to speak to someone on the matter. I was told the charge did not warrant a large enough risk score for their algorithm for alerting me. 

The fact is that this charge was to a vendor never before used by me, in another state far from my residence, for a rather large amount for a one time payment. The risk scoring methods seem misaligned as regular charges in my credit card report are called for alerts but this one-off spending habit does not. 

I have used this credit card company and have had fraudulent charges arise before. In none of these prior cases and this one has there been relevant alerts for the types of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've paid the several accounts I have through " Bread Financial/Comenity '' on time every single month for years, and on or around XXXX my credit limit was dropped significantly on multiple accounts. The only reason I discovered this was through an XXXX alert that my credit usage significantly increased/credit limit significantly decreased. I called customer service wanting to know why exactly that occurred and these people told me to call one of the credit bureaus to see why my limit was decreased. LOL. That's hilarious since the credit bureaus aren't the ones that decreased my credit limit. My XXXX XXXX  account had a balance of around XXXX with a XXXX limit and that limit was decreased to XXXX. There was zero reason for that to occur ... which in turn drops my credit score because of the new credit usage percentage. I decided to pay it off completely and close that account, since the damage is already done. The same thing happened with my Ulta card ; I paid that off too and will also be closing that account as soon as everything processes. I have store cards through this institution for the following stores : XXXX XXXX ( paid and closed as of XX/XX/XXXX ), Ulta ( paid off XX/XX/XXXX, soon to be closed ), XXXX XXXX XXXX paid off XX/XX/XXXX ), XXXX, XXXX XXXX ; XXXX and XXXX cards will also be closed after paying them off. 
This was completely unnecessary and unacceptable when my comenity accounts have been in good standing for years. I will be paying off all of the other retail cards that I have through this institution and closing them as well since these trashy actions were taken against me without reasonable cause. I've been working diligently over the past 7 years to rebuild and repair my credit, and this probably undid all of the progress that I had made. I did not receive any notification from the credit issuing body stating that my limit was decreased and exactly why it was decreased, the only reason I was given when I called customer service was that the credit bureaus reported a change... however my score etc has remained about the same and nothing new has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is in regards to Chase banking. I reported fraudulent transactions on my bank account for 3 transactions where someone accessed my account is some way, shape or form and zelled themselves 3 separate times totaling {$2200.00}. I reported this as soon as I logged in and noticed my account had went negative. I then logged into my account a couple of days ago and saw the transactions had been reversed back onto my account meaning they denied my claim but was not sent any reasonings for this denial or any letter about this denial which is unfair to me to not get any answers in regards to this. The day we noticed we changed my username, password and all account information that someone could have access to and also canceled my debit card. I need answers and need this fixed. I have never had this problem with my previous bank and switched to chase because my husband also had chase. I did not authorize these transactions and dont approve of the decision chase made in this case. It is not fair to me to be made to pay for someone elses decisions. I need this solved as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a written collection notice from a 3rd party related to a membership with XXXX XXXX XXXX on XX/XX/XXXX. This is the first time I have received any written notice regarding a balance due with XXXX XXXX XXXX. The membership contract for this gym had expired several years ago and I have not entered into any new contract with this gym nor have I access any of their facilities since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: MidAmerica Mortgage Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not XXXX payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to Mid America Mortgage Inc. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by XXXX  just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
Background context : American Express has been advertising 0 % introductory APR periods on their XXXX XXXX products for years now, and I have opened several of them over the years for my sole proprietorship to use the 0 % interest period. American Express also utilizes a pop-up upon applying for cards that you've previously held, which states that you will not be eligible for Welcome Bonuses ( i.e. receive XX, XXX Membership Rewards points after spending $ XXXX XXXX in the first XXXX  months ). 

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. Upon applying, I received the pop-up saying that I was ineligible for the Welcome Bonus to earn a sign-up bonus of cash back. I agreed to the pop-up, because I was not interested in the sign-up bonus but was instead applying for the 0 % intro APR. I was approved for the card, and received the 0 % intro APR period as advertised. 

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. 

Finally, on XX/XX/XXXX, I applied for an additional XXXX XXXX XXXX card through American Express. I received the same pop-up as my previous application, stating that I was ineligible for the sign-up bonus. I agreed to the pop-up as before and was approved for the card. 

However, for both of the last two cards ( opened on XX/XX/XXXX and XX/XX/XXXX ), American Express did not apply the advertised 0 % intro APR period. I have reached out to them, and they are claiming that the 0 % intro APR period is a part of the Welcome Bonus offer that I agreed to be ineligible for through the pop-up. However, this is quite obviously not the case, since I experienced the exact same advertising, pop-up, and terms as the card that I opened on XX/XX/XXXX and that card received the 0 % intro APR period exactly as advertised. 

Both cards are still advertising that 0 % interest period, and nothing about the application workflow has changed to indicate that they will not honor that 0 % as advertised if you choose to be ineligible for the Welcome Bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: LA
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:
Address is incorrect. I have never lived at the listed address XXXX XXXX XXXX XXXX XXXX, XXXX. Show me the burden of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for XXXX and was told as long as my account was positive on that day that I would have at least {$500.00} Available the next business day, well they didnt make that available to me and now Im unable to get my medication for XXXX which is a huge issue due to the fact that if I miss doses the virus can build a resistance to the medication at which point I will become no longer treatable. I explained this to the bank and they said they cant do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-04-13
Company: Windham Professionals, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an initial notice from Windham Professionals Inc dated XX/XX/2022 advising me I had XXXX days to respond to a debt before derogatory credit reporting was done. I responded with a request for validation of debt dated XX/XX/2022 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 statement date I received my last bill from XXXX XXXX XXXX XXXX in the amount of {$600.00} due XX/XX/2022 for the remaining of my lease that expires XX/XX/2022 at XXXX. I paid the billed amount of {$600.00} plus processing fee of {$3.00} totalling {$610.00} on XX/XX/2022. I know this was the las bill because my rental/lease fee is {$1400.00} plus trash, water, gas, pest control & service fees. I call the leasing office for them to correct the mistake but they just threaten me and hung up on me. I call again after I was made aware of the fees and XXXX stop answering my calls.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In XX/XX/2019, I decided I wanted to buy a home. I went to a place called in affordable housing. At in affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}

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 2018-03-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers

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