BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: ERC
State: AR
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 reached to XXXX at the beginning of XX/XX/XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( Enhanced Recovery ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through Enhanced Recovery Company or XXXX XXXX XXXX. Both XXXX and Enhanced Recovery has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither XXXX or Enhanced Recovery has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill on XX/XX/21 by PHEONIX FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX for the amount of {$3400.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXXXXXX XXXX but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this card through the unemployment of Illinois services key bank has locked the card and lied saying the Illinois Department of unemployment services locked the card Ive spoken to management at the Illinois Department of unemployment services they assured me that they didnt put anything on my account in regards to stopping my payments or locking my card since then Ive been getting the run around from key saying that didnt lock it they are lien and giving me the run around The unemployment department has written notes to management about this the issue is that I need my funds unlocked and that key bank is lien and refusing to unlock them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: U.S. BANCORP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of
contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number has been stolen and is circulating on the deep web. I have reached out to Discover and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Absolute Resolutions Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Conn's, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Conns took a payment of XXXX out of my bank account for an account that was already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Mother had a Chase Visa account, Chase HELOC and Chase checking. 
My Mother died XX/XX/2020 and left me as co-trustee and co-personal representative of her estate. 
I request 12 months of statements preceding her death for both her Chase Visa and Chase Checking. 
The Chase Visa department requested a " Letter of Instruction '' before the statements would be provided. I'm not sure if a copy of Mother 's Trust and Will were provided to Chase Visa, but both have been given on numerous separate occasions to Chase. I sent the " Letter of Instruction '' as requested. Chase Visa provided the requested statements, they actually sent them on two separate occasions. 
Chase is refusing to release the checking statements. 
Chase actually sent a letter to me dated XX/XX/2020 in part it reads : In bold print : " We need authorization to share the decedent 's account information. '' " ... We will provide account information to a court-appointed representative or executor one we have legal documentation and an original or certified copy of a death-certificate. '' It should be noted both of these documents have been provided on numerous occasions, yet they still refuse to release the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My monthly payment is {$58.00}. Without notice, Navient changed my payment to be {$470.00}. I had to pay a {$30.00} stop payment fee as I was not prepared for such a large payment. I was able to cover it, but am not happy about it. I am changing lenders because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: AL
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:
A bankruptcy is incorrectly being reported on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One is cancelling my spark card which pays 2 % rebate on all purchases everyday as advertised by them. They are forcing me to replace it with another card that does not fit my needs. They have told me that I am a high volume user of the card and that they are losing money by paying me the 2 %. They have doubled my credit limit but will not pay the 2 % on the new card. I am being singled out as many of my friends and customers use this card and they are not being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/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 explanation
Consumer complaint received 2020-10-24
Company: The CMI Group, 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:
XXXX XXXX  had an accounting error regarding an outstanding balance due on my closed account. This was then sent to a debt collection agency, Credit Management. XXXX XXXX  agreed to resolve the error and request that the debt collection be removed from my credit reports, by contacting the collection agency, Credit Management of XXXX XXXX XXXX, XXXX, TX, XXXX. The collection notice was only removed from one credit reporting agency ( XXXX  ), however, not removed from XXXX  and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: MA
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 do not recognize the hard inquiry ... ..it happened in XXXX which was not me I know I can not get anything at the moment w my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I make a deposit of two checks of {$430.00} making a total of {$860.00} on XX/XX/XXXX the system make part of that money available in my account, which I use the same day to pay my credit cards and others payments, even that there was an amount of money left in my account. Just a few day later on XX/XX/XXXX, I check my account and that money was removed from my account and charge me with an overdraft fee for each transaction I did when that money still in my account, that is a moved I find very unfair. even I have set up the overdraft protection. I contacted Bank of America by phone and they do n't want to remove the charges and tell me the money is going to be available by XX/XX/XXXX. but they are going to keep the money.

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 2019-08-18
Company: V and H Portfolio
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call from collections XXXX XXXX XXXX and man stated that he was an investor trying to track me and will find me no matter what it takes to sue me. I told him I called XXXX  to make the full payment and they didn’t allow it because it was in another state. He kept trying to threaten me that he will find me and get their dining table. This was back in XX/XX/XXXX. I disputed an account of collection name VanceHuffman back in XX/XX/XXXX and deleted on my credit. It comes back on my credit with another collection name “ Vance and Huffman” believe open XX/XX/XXXX and increased amount XX/XX/XXXX to make it seem i just got this. This account is from XX/XX/XXXX why are they charging it to XX/XX/XXXX? Please help and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: MI
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 have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes

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 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Capital one took advantage of my low credit score and is charging me XXXX  % interest rate on a used car. My payment are way to high and i fell behind and its now reporting as a charge off to credit bureau but i still own the car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Trans-Fast Remittance LLC
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I used the money transfer service of Transfast for the following transactions : Transaction Number Date Amount XXXX XX/XX/2019 {$380.00} XXXX XX/XX/2019 {$210.00} XXXX XX/XX/2019 {$260.00} I was notified that these transactions were successfully completed however, my relatives still have not received the money on their accounts. Sadly, when I call the customer service, they either hangup the phone, complaint that that I am frustrated or put me on indefinite hold. 
I suspect the Company Transfast may have started as a legitimate money transfer and now including some sort of scams in their business. 

I need help recovering my money the soonest possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2020 I paid my loan off in full. The information I received in regards to the payoff amount was varied so I paid over. I paid the loan off in form of a cashiers check. I am sue a refund of XXXX . NetCredit says they will not issue a refund until after 30 days this is appalling given I have paid the company over XXXX in interest and I had the loan for 14 months. If my refund is going to be held I want daily interest applied towards my refund amount as they charged me!

Company response to consumer: Closed with explanation