BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX  on XX/XX/XXXX to cancel my services because XXXX could not render the services that I paid for in advance. I was on the phone for over three hours and hung up on once while waiting over an hour. I was transferred to 4 different depts. While on at least 25 min holds. My XXXX XXXX was billed on XX/XX/XXXX which I paid. My card was billed again on XX/XX/XXXX. I disputed the claim with XXXX and I called XXXX Customer Service Manager on XX/XX/XXXX. She told me that my service was not cancelled. XXXX sent me to the wrong dept to cancel my service. I replied Ll you want to do is take my money. I did not have an operational system since XX/XX/XXXX. I asked the Manager on a recorded line if I owe anything twice - she said I owe nothing. I was requesting a refund for XXXX payment. The manager told me that the service cancelation is 30 days, XX/XX/XXXX. XXXX the same where XXXX presented payment which XXXX declined. XXXX said I was in the right. XX/XX/XXXX payment was presented again and I thought XXXX  WAS STILL CHARGING ME MONTHLY. I calledto cancel my XXXX card. The rep explained that it was the same charge presented. I called XXXX  on XX/XX/XXXX and the rep and manager agreed that I should have not been billed. I was told that I owed to end of XXXX. I paid XXXX. I get a bill from Credit Collection Services on XX/XX/XXXX. I called XXXX  and verified the payment made. It was. I requested a receipt which I have not received, requested an apology, and removal from credit agencies. This is how XXXX treats a loyal customer for over 7 years who paid in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: CA
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: HI
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Genesis FS Card Services, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company is Genesis Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to the covid 19, at this point, I have been overwhelmed with an identity theft/ or someone claiming they have control over my funds, which no one should have power over anything without co during me first.. I am homeless, in ssdi, and was able to get work for a year before I was laid off and stuck in the middle of pandemic. I had to get a room to be indoors and began fighting the identity theft that I really didn't discover until around XX/XX/2020. That was when my phone was stolen, I spoke to them and froze the account, but my sim card was taken along with my info. And turns out my number, just like that.XXXX. 
So, I have been looking for ways to get the assistance to cover my room expense, and each place I go online ; company site, card insurance for purchase, card company itself, the city, the gov. And fema, they all don't want to pay the cost of what they can get reimbursed for. So now about 6 months later, my credit score XXXX, is now like XXXX, and my ssdi, check has been messed up, no cash to live on but my credit cards, are all decreasing my credit, charging fees, rate probably up, and I can't afford to pay to get my car fixed now or for a room. I have had to keep what I could with me in my car, so so have all my stuff but one storage, maybe if someone didn't gain access without permission, with me. No one will half me as a victim, as homeless, on XXXX, or because it states the rules and regulations on line. So I'm about to be out in the cold once again with everything I pretty much own to wait for someone to help me. None of my credit. Cards, are really undsrstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account number ending in : XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LEXISNEXIS HAS VIOLATED ME UNDER FCRA THEY PREVIOUSLY BLOCKED A BANKRUPTCY RECORD THAT WAS IDENTITY THEFT BUT CONTINUED TO REPORT IT XXXX  AND XXXX AND PACER A THIRD PARTY. I HAVE ASKED THEM PREVIOUSLY TO BLOCK FREEZE AND SUPPRESS MY RECORD WITH THEM. THEY HAVE ASSURED ME PREVIOUSY THEY HAVE BLOCKED THIS FILE AND REMOVED INFORMATION BUT CONTINUE TO REPORT. RECENTLY THEY EXPLAINED TO ME THAT WERE DISPUTING ONMY BEHALF TO XXXX AND XXXX. BUT ITS STILL REPORTING ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Credit Quick
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought this car from XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, the car had too many problems to identify from a basic assessment without intense diagnostics. I have all paperwork came with & dealership maintained. XXXX XX/XX/XXXX XXXX seized take to XXXX XXXX XXXX, new engine rebuild & $ XXXX parts. 4 months to complete. Will attach all records. Car on the road only 3 months since ownership! 

Recently, after making last payment on XXXX XX/XX/XXXX, I was informed by XXXX XXXX of XXXX XXXX XXXX XXXX that my loan was purchased by Credit Quick of XXXX XXXX, NC. I immediately contacted XXXX XXXX through email, and given the number for XXXX at Credit Quick without a last name, which I specifically asked for this information!! She never called me back, but I got another call from another representative at Credit Quick, urging me to call them about their urgent matter! I conveyed to XXXX XXXX that I know Credit Quick is owned by XXXX XXXX XXXX XXXX, his fathers company, and he became defensive, asking me, who is this? My father recently passed away after ten years suffering with terminal XXXX XXXX, so I didnt have someone knowing more about cars than myself, and was taken advantage of in sales & financing! Since buying my auto loan from XXXX XXXX XXXX XXXX, I now have the initial loan + new loan doubling to {$37000.00}, according to my XXXX XXXX report. I have had XXXX this year & hospitalized twice for life threatening effects, plus quarantine times. This is a burden that I can not bear & must be stopped! These crooks must be stopped in their tracks!! 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

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 2018-10-18
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Original Creditor ( XXXX  XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/2013. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORTED on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$5700.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$470.00}, XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$8200.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$170.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$23000.00}, XXXX, ACCOUNT XXXX XXXX BALANCE {$500.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$250.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2021-04-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from Ally financial continuously calls throughout the day without leaving messages. 5-6 times daily to me and my spouse. No written notices or voicemails. Now they have started calling family members outside of what is on our agreement. We were told by XXXX that he found the numbers through public record to include calling XXXX XXXX XXXX XXXX while XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attempted to close my Citi card on XXXX. At that time there was a late fee and an annual fee charged to my account. I spoke to no less than 5 representatives, and in each instance I had to explain my issue and verify myself. I finally got to someone who was able to assist. She told me at that point she could close out my card and refund the late fee, but that the annual fee would need to go to be reviewed. I never received any type of communication regarding the annual fee until I started to get collection calls on my account again. 

I called Citi card back again the last few days of XXXX, spoke to no less than five representatives again, verified and explained the issue to each of these individuals and was told that they denied the refund of the fee. I again asked to speak to someone who had authority to refund the fee. I was transferred again, at this point the women told me she would refund the annual fee and the interest and it would be reflected on XX/XX/30 as a XXXX balance. 

I again began receiving collection calls this week. So today, I answered when they called, was transferred twice, verified twice and explained the situation. I was told that my only options were to pay the fee since they can only refund the annual fee within 37 days of it being charged and it was 49 days when I originally called on XXXX. I asked to speak with a manager and was transferred to a gentleman in Arizona who told me that he could only refund the interest charge, but I would need to pay the annual fee. I asked to speak to a manager and I was told that no one was going to be able to refund the fee for me. 

I comepletly understand rules, however we are talking about 12 days, there hasnt been any charges on the account in over 6 months and I did not use any benefits of the card in those 49 days. 

I am hoping that this complaint can try to get my request in front of someone who can assist.

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 2021-03-04
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We thought that we resolved this issue with DOVENMUEHLE MORTGAGE INC and have a letter from them, to both Consumer Financial Protection Bureau and us, stating that they would resolve the issue and that they had sent a check to rectify their mistake to our escrow account, however our new mortgage company has not received the check for {$6000.00} that they stated to have sent to our new mortgage company, XXXX XXXX, on XX/XX/2020. I have tried to get an answer as to why I have not received the funds that they stated were owed to us, only to get a different answer every time I call. I have tried to resolve this issue with them, again. After 3 months of waiting, we would like to know why we have yet to receive our escrow money in the amount of {$6000.00} sent to our new mortgage company. I have attached the letter that DOVENMUEHLE MORTGAGE INC sent us stating that they sent us our missing funds on XX/XX/2020. The letter is dated XX/XX/2020. We have still NOT received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me.

In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership. 

In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system.

Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. 

I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.

Company response to consumer: Closed with explanation