BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter today XX/XX/XXXX from an Rausch Sturm attorney at law with my maiden name stating I owe {$13000.00} for XXXX XXXX XXXX. I have been married for 18 years and have not used my maiden name since XXXX. I dont remember using XXXX XXXX XXXX for anything financial prior to that or since I have been married. The letter states payments need to be made to XXXX XXXX XXXX. I have not called this company due to scams. I do not think this is legitimate as the Statue of Limitations would be in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the debt for XXXX XXXX original creditor XXXX XXXX Bank. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Monday XX/XX/XXXX of 2021, XXXX XXXX NMLS # XXXX a representative of Rocket Mortgage ran my credit report without my expressed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a debit card with Wells Fargo. On XX/XX/XXXX I noticed a fraudulent charge on my account for {$110.00} made through XXXX. As I went back through my account I noticed that this fraud had been going on for months. The first fraudulent charge was made on XX/XX/XXXX. I then went through my account carefully and located all fraudulent activity on my card. I noticed all charges had been through XXXX and totaled 19 fraudulent charges, totaling {$580.00}. I called Wells Fargo fraud department on XX/XX/XXXX and reported, in detail, every occurrence of fraud on my account, as stated previously there were 19 episodes of fraud that began on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo refunded {$430.00} which fell {$150.00} short of the reported fraud activity. I called Wells Fargo fraud department on XX/XX/XXXX to find out why they shorted me on the refund and they stated that they only were going to refund 60 days from the statement when the first case was reported. The person I spoke to on the phone did not know when the first reported case was and read back bad information to me. I asked if I could appeal the decision or do anything internally with Wells Fargo to get the total amount back and he told me no and so I decided to pursue this report in an effort to get my full amount back. Below I will itemize all fraudulent activity on my account with dates, amounts and where it was used fraudulently : XX/XX/XXXX - Recurring payement XXXX XXXX - {$1.00} XX/XX/XXXX - Recurring payement XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$9.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$66.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$16.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$41.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX - {$63.00} XX/XX/XXXX - XXXX XXXX - {$49.00} XX/XX/XXXX - XXXX XXXX - {$17.00} XX/XX/XXXX - XXXX XXXX - {$27.00} XX/XX/XXXX - XXXX XXXX - {$29.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$110.00} Total fraud {$580.00} Wells Fargo refund {$430.00}

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 2018-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting verification of the account from XXXX, account # XXXX on my Experian report. Experian has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with Experian and with XXXX. I have attached all letters with certified copies.

I spoke with XXXX from Experian on XX/XX/XXXX and  XX/XX/XXXX. On XX/XX/XXXX, He stated XXXX has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from XXXX and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from XXXX did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from XXXX. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my Experian Report. If you have any question please contact me at XXXX or t the above address.

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 2021-08-04
Company: SL Finance LLC
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 a " XXXX XXXX '' from " SL Finance '' called and used manipulation to hack into my Federal Student Aid Account and gain access to my Federal Loan information. They then had me sign a fake contract requesting XXXX payment for 5 months to assist with my loan repayment. They also filed a Forbearance Request under my name. They gained access to all of my personal information including social security number, address, and contact information. They stated they were from the Department of Education and a government entity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately 1 year ago my personal computer at home was hacked when I was trying to set up a new XXXX printer. The person that i was speaking with tried to sell me some security software for over XXXX. I declined. He did assist in setting up the printer -as soon as I tried to set up the printer a number poped up on my screen and said to call for further assistance. I called the number- he did assist by taking over my computer and I thought it was XXXX ... .during the call he offered me t his software for over XXXX I declined. several days later my back account at XXXX XXXX XXXX XXXX was hacked for several hundred dollars. I was able to close that account and did get my money back. Several months later I received a letter from a collection agency ( I no longer have the letter XXXX stating that I owed XXXX XXXX. I contacted XXXX via email as they don't have a contact number. I was told that someone purchased something for XXXX and when they tried to collect that money from me- my checking account had been cancelled. So they sent me to a collection agency for XXXX they advised me to contact the company where the fraud person purchased something- I tried to locate that company and that was Fraud also. I contacted the Credit Agency and the gentleman was very nice said I am going to send this back to XXXX and tell them it is fraud. So I figured it was taken care of. Now I have received another letter from a collection agency called Dynamic Recovery Solutoins XXXX XXXX XXXX. XXXX, SC for the same XXXX XXXX  debt. I contacted them and they told me I had to file a police report which I did today. This is fraud. I do not use XXXX anymore and I never purchased anyting for XXXX from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
My compliant is against all 3 Credit bureaus, XXXX, XXXX and Equifax. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 I contacted my local office of Springleaf Financial Services to inquire about making a loan. I allowed them to look at my credit report. They asked for a pay-stub and more information to submit a complete application. I did not provide it because I did not want to get a loan from them. On XXXX XXXX, 2015 I received a letter from Springleaf informing me that my request for a loan had been declined and this decline was reported to XXXX credit reporting services. I did not ask for the loan, nor was I provided details in writing, nor did I request approval for a loan. I believe this was done unfairly and was done as retribution because of my lack of interest in their services. I want this decline retracted and not reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Kriya Capital, LLC
State: MA
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:
This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/20 my cards were stolen. 

I have two police reports. 
XXXX XXXX XXXX XXXX XXXX My personal debit card was charged for {$1500.00} @ target. My bank covered me with information supplied. 

Bank of America was given the same information. They have denied the fraud charge after three attempts to reopen. This is {$53.00}. It's a matter of principle. 

We have a target card that we receive a 5 % discount so we don't use other cards there. 

The last attempt was three days ago when we were promised a call from a fraud manager within 24 hours. No call.

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 2017-02-10
Company: FRANKLIN LOAN CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX California and Franklin Loans continue to violate the law with shared marketing agreements in violation of respa. they continuance to steer borrowers to pefered lender in exchange for compensation, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Credit Bureau Associates of Georgia ( CBA ) dated XXXX XX/XX/XXXX. This was for a medical service for XX/XX/XXXX. The letter states to notify the office within 30 days ( XX/XX/XXXX ) to dispute the validity of this debt of {$110.00}. 

That same day after receiving the letter from CBA I paid the original creditor the {$110.00} and received a receipt from the original creditor were I received medical service in XXXX. That same day XX/XX/XXXX, I write a letter to CBA stating the debt was paid to the original creditor and I attached a receipt of payment. I then state to please respond within 10 business days to request that the debt was settled with the original creditor. 

A month goes by and I received a letter from CBA on XXXX XX/XX/XXXX dated XXXX XX/XX/XXXX. The letter states that I still owe the debt and returned my original letters back to me including the receipt. CBA also included in my letter an original receipt of payment from the original creditor showing that they I the patient paid the original creditor on XXXX XXXX the {$110.00} which was highlighted by CBA. 


Since CBA has the receipt from the medical billing department that I satisfied the payment with the original creditor, why would CBA still send me a letter stating I currently owe {$110.00}? 


I then call the original creditor at XXXX and ask to speak with the billing department. I then explain the situation and she states that she will call them to settle the confusion as she showed that I paid the account on XXXX XXXX on her end. She then tells me that she would call me back once CBA has confirmation from the billing department that the account is settled with the original creditor. She later calls me back and states the account is settled with CBA as they now know my account was paid with the billing department of the original creditor.

Today I check my credit reports and CBA placed a {$110.00} paid account on my credit report XX/XX/XXXXFrom the original letter that was sent from CBA the 30 day notification was not honored as I paid the original creditor and mailed receipt of payment to CBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer XXXX  XXXX XXXX XXXX XXXX XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and Transunion are showing this account as late, when it has never been late. I have also contacted XXXX and Transunion asking them to change this information so that it reports accurately on my credit reports as paid.

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 2018-01-09
Company: JPMORGAN CHASE & CO.
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:
These are all pieces of Junk mail I have received from Chase Credit Card, all the agents in the mail they have mentioned are not reachable. 

They make it like that, so that the customer scratch their hair away from their heads, and chase have purposely transferred all of their call centers to Non English speaking nations so that the customer gets fed up of the Call center representatives and hangs up the phone, now everyone does n't know about consumer finance website and how to go to court to get their problem solved, so chase is taking advantage of that. 

In one of the letters I was asked to contact " XXXX XXXX '', and given a case Number " XXXX '', but when I contacted on the phone number given, XXXX was not over there and the representative did not need my Case Number, she asked for my account number, so why was this case number given at the first place? 

On the second letter you can see - chase gave me a duplicate credit and said they are correcting it by reapplying it but instead they reapplied the charges two times, giving me no credit at all, here are the charges - {$100.00}, {$100.00}, {$140.00}. 

Now there was a letter from chase to contact " XXXX XXXX '' for the charges - {$47.00}, {$170.00} and {$720.00}, but whenever I called the number, he/she were never available, nor I received a callback from this guy. 

I recieved a letter from executive office, I contacted them but there was no response at all, nor even a courtesy callback, there is no respect for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!

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