BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Collection agency Weber & Associates continue to refuse to validate the debt claimed to be owed to them and have also violated the FDCPA Section 807 ( 8 ) I have proof they did not validate the debt. They also violated and failed to communicate the debt was disputed within 30 days of receiving my letter to do so. They even sent a latter which validates they did not adhere to the FDCPA policy within the allowed timeframe per the date they received my first request which was XX/XX/18. Please see the return receipt ( s ) for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion refuses to delete a bankruptcy off of my credit which isnt mine!! This bankruptcy isnt on my XXXX or Transunion report! I have sent multiple documents in the mail proving this isnt mine. I have asked multiple times for Transunion to send me documentation on how they say theyre verifying this bogus account that is holding me back in life. I have sent my police report to Transunion as they advised me to do and still nothing! I have followed every instruction that they have gave me to resolve this issue at this point I will be contacting a lawyer if this bogus bankruptcy isnt removed from this credit report immediately. Bankruptcy {$0.00} dated XX/XX/2015!

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 2021-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I came across a XXXX  post that was published by my friend. But I think my friends XXXX  account was hacked So I messaged him Im interested and he sent me another person XXXX account XXXX was the name of the person who I was sent too So she started explaining everything and told me she can get me approved for {$20000.00} in government grant So I agreed and sent her all my information So on XX/XX/XXXX she sent me to bank to withdraw my money ( {$5500.00} ) and send to some person named XXXX XXXX and told me she was gon na deposit the {$20000.00} to my account So I withdrawed the {$5500.00} and did a money transfer to account XXXX XXXX with the account number but I didnt get save the account number because she hacked my XXXX  account So after I deposited the XXXX to the account name and number she gave me. 
I told her I did it already After that she hacked my XXXX  account and changed my password to not communicate with her.. 
so yeah I got scammed and lost {$5500.00} Please if you can help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX  XXXX {$0.00} XXXX   XXXX {$850.00} XXXX  XXXX {$800.00} XXXX   XXXX {$460.00} XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We made interest free credit card loan arrangements with Lowes for period of 2 years. Our Agreement had started the day we agreed on the amount of {$9100.00}, moreover their project got delayed for 6 months. Now without considering their delay time frame they have sent us accumulated interest of amount {$4800.00}, which is more than 50 % of my purchase. 
I signed my contract with Lowes dated XXXX to build backyard fence as an requirement to run a XXXX XXXX. As per contract they were suppose to start Fence work on XX/XX/2019, but they started the work after about six months later. Moreover Covid-19 started. Unfortunately due to COVID-19 lockdown I was unable to generate any income out of it. Despite of financial difficulties we payed most of our principal except for amount {$1500.00}. Which is now fully paid as well. We have multiple times contacted them through phone calls and sent them letters requesting to waive off the accumulated interest charge but in vain. We received no alerts from them and also they did not consider their delayed time frame. We got suddenly hit by their Interest despite making timely month to month payments. 
Please to the needful at your earliest

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 2018-03-24
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This Company Recievables Management Is trying to collect on 4 medical bills and they are not licenced in my state to collect debt! Additionally They are reporting negative information on my credit report for all three credit reporting Agencies! These bills have never been verified and they are not mine! If they are, they are more than Seven Years old, because I have Had Medical Insurance for they last 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
An initial dispute of the items on my XXXX report was made on XX/XX/XXXX. Included in the results of that dispute was an account for Bank of America showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.

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 2018-03-16
Company: STATE FARM BANK, FSB
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.

I did not open an account with State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX TRANSUNION REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: LendKey Technologies, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I refinanced with lend key last month and received their best advertised rate at the time. Today i received a prescreened advertisement via us mail advertising a " pre-approved '' rate as low as 0.00 %. 
Upon proceeding to their website and entering in the my information, i was quoted a rate no where near the advertised rate. 
Seeing that i qualified for their best rate advertised last month, I am highly doubtful that the advertised rate of 0.00 % is actually being offered to anybody. 
I think this is a bait and switch tactic and misleading advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX and XXXX XXXX XXXX were both paid off in full but both are still being reported as being late and in collection, charge off status.

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 2017-11-20
Company: VW Credit
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This morning I received 22 computer generated calls to call VW Credit at XXXX. 
Each call was exactly the same in duration and in content. It was strange to me that I had to log into my phone to receive the messages, which is normally on 24/7. 

This is pure harassment. It was a clear violation of the FDCPA and if fines were to be applied, my car 's value would be exceeded in fines alone. 

Yes, I do owe the money and I will pay, though I am considering trading the car in to another dealer and not dealing with VW Credit in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, Experian and XXXX XXXX credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Navient Solutions, LLC.
State: TX
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:
My Student loan has been taken over by Navient Department and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: STATE EMPLOYEES CREDIT UNION
State: MD
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:
Was in CH XXXX bankruptcy for 5 years. My mortgage was not included and I did not miss a payment. Soon as I was discharged they instantly reported that I missed my last 2 payments. I was not notified before this was reported on my credit. I called them and their researched determined this was a result of a payment missed when I filed for bankruptcy 5 years ago. I paid the past due amount within days of being aware of it. The bank will not correct the missed payments month/year on my report which means I cant qualify for refinance with another company until 12 more months, rates low now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2019-08-23
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am making additional payments and they are just prepaying future months and I receive bill saying I do not need to make payment ( owe {$0.00} ). I want to pay monthly amount and extra to principal. They show me prepaid into 2020. 

I have contacted them several times. The billing is engineered to discourage extra/early payments. It is not allowing me to make extra monthly payment in a reasonable way.

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 2015-08-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04
Company: Amsher Collection Services, Inc.
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:
OK I gave these people everything now I want the name of the person and how he got my information. 
They replied after their investigation I am not responsible for the debt. 

Mr. XXXX, I have received the documents that you sent regarding your identity theft claim. To complete your ID theft claim with XXXX XXXX, please submit the following : Identity Theft Affidavit - A legible copy of a valid U.S. government issued ID ( drivers license, military ID, state ID card, passport ) Proof of Residency - Please provide a utility bill ( phone, electric, water, etc. ) which shows your physical address for the month of XX/XX/2016. Bank statements, credit card statements, monthly car insurance statements, etc. are also acceptable. The documents must have a billing/statement/closing date within the requested timeframe. The documents MUST show a physical address. PO boxes, etc. will not be accepted. 

This information should be faxed, mailed or emailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Fax : ( XXXX ) XXXX XXXX Thank you for your prompt attention to this matter. I will research your request as soon as I receive the documentation. 
If you have any questions please feel free to contact me at ( XXXX ) XXXX or by replying to this email. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX PART 2************************************************************************************* Mr. XXXX , I have received the documentation that you sent in regarding your identity theft claim. Based on the information and documents you provided, I have determined that you are not responsible for the XXXX XXXX account in question. XXXX XXXX will get the account removed from collections and from your credit history if applicable. Please allow up to 8 weeks for the account to be removed from your credit history. You will receive a letter by mail in about one week which verifies that I have approved your claim. Please keep the letter for your records. 
Please be aware that the perpetrator of this crime has your personal information including your name, full Social Security Number, and date of birth.

To protect yourself from instances of identity theft, XXXX suggests that you contact the credit bureaus to freeze your credit file. Links to their websites have been included below. In most cases, the credit bureaus will waive their normal fees for freezing your credit when you submit paperwork, including a copy of your police report, with your request. 
XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions please feel free to call or email me. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX I live with my family at XXXX XXXX XXXX CA XXXX, for several years. 
In 2014 I had a hardship due to my wifes tremendous XXXX medical condition she suffered I reached out to Wells Fargo for help and they advised me to stop making my mortgage payment and they assured me I would be approved it would the only way they could help me accomplish a modification. I took their advice and it has become a nightmare they have denied me from day one. 

I have been continued faxing all requested documentation to Wells Fargo litigation department but they have continually denied me, I continue to plead with them for a modification to no avail. I want the modification they assured me I would qualify if I stop making my mortgage payment

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