BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

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 2021-08-10
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Source Receivables Management Acct # xxxxx balance of {$2800.00} ''??? ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple 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 non-monetary relief
Consumer complaint received 2019-02-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My fiance sent me a cashapp of {$500.00} that got canceled later over an hour. I notify him of the problem. He decided to call the cashapp customer service number from the app.i received couple of calls later stating that my husband was on the cash app line and the needed to verify some information from me.i was asked to download some consumer support app on my phone where they can see all the transactions and also check my XXXX XXXX account to see if the money was in.i was spun around the bank app and was led to send out the XXXX .they give me their manager email XXXX on XXXX .they said they were trying to see why my account kept rejecting his payment. When I asked if the money was going to be refunded on his card that's where all the problems started. 
I was even told I should go to a XXXX and i asked to do what there? All the cash app customer service numbers we searched on XXXX is owned by XXXX scamers.ever person we spoke too was telling us the same thing to download the app on XXXX  or XXXX XXXX and later go to a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Lending Club Corp
State: CA
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:
I paid my loan in full via cashier 's check on XX/XX/XXXX. 
On XX/XX/XXXX I called the company to make sure the payment had been received. I was assured that it had been received and posted to my account. On my request, the XXXX said I would receive an email notification within 24 hours stating that my loan had been paid in full. 
48 hours later ( XX/XX/XXXX ), I called again to ask the status of said email notification as I had yet to receive it. At that time I was informed that even though the payment had been applied to my account and that the account had been closed due to receipt of payment, I would have to wait 10 days from the receipt of payment to verify my funds and it would be an additional 24 - 48 hours after that time before I would receive written confirmation of receipt of funds and closure of my account. 
At that time he CSR assured me that she would put in an expedited request as the receipt of confirmation of account payment and closure is holding up a property closing on my end. 
On Tuesday, XX/XX/XXXX, I called again to ask if my request had been expedited. At that time I was told that it would not be expedited. I requested to speak to a manager, and was told no one in management was available to speak to me. I was also informed that it would take 3-5 daysfrom the time of my request for payoff confirmation before I could expect an email. I pointed out that it had already been seven days ( XXXX ). After I pointed this out, the CSR told me I could expect an email by Friday, XX/XX/XXXX. 

My frustrations : 1 ) Incomplete and varying information about processes and time frames. Every time I call I get a different answer tomyrequests and questions! This does not foster any trust that this company is giving truthful, consistent information. 

2 ) Lack of availability to someone other than a CSR. I am being told by the CSRs that " their manager '' or " the back office '' can not ( will not ) talk to me to elucidate your policies. 

3 ) I paid with a CASHIER 'S CHECK. This is as good as cash! This situation is akin to me giving them {$13000.00} in CASHand being told I can not have a receipt for my money! When I asked for a simple letter ( typed by anyone ) stating that the funds had been received and that the account was closed, I was told thatthat was not an option. (??? ) Bottom line, I have paid my debt in full, and LendingClub is refusing to show receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: TN
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 consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to 15 USC 1692d. I have attached a copy of my FTC and Identifiers.

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 2023-01-10
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2023 I noticed misinformation on my American Express account in the amount of XXXX I called American Express and they told me to it would be updated immediately as of today XX/XX/2023 this issue has not been resolved I have been unable to get answers from American Express and it is costing my credit score to have been dropped XXXX points American Express is not cooperating to have this information updated on my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have requested a lower or 0 % apr for a few months. I have a large amount on my card and I have been out of full time work for over a year. I also was positive for covid and almost lost my life due to a XXXX  XXXX report and XXXX XXXX in both XXXX. I still use XXXX. It will take some time to get back my health so I can earn a better living like I used to. I can not make any lead way to getting the debt paid with all the high interest. The cares act is supposed to help. i have not been able to get any government help because they still have an old checking account. 
This has been a horrible time for my son and I. 
I pray there will be some efforts from these credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28
Company: UMB FINANCIAL CORPORATION
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:
XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX/XXXX  SO XXXX  number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX  XXXX  XXXX  didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is a continuation from previous CFPB complaint XXXX and escalation as KIA has taken more egregious actions without every providing a response and resolution for their initial illegal payment application and collection actions. 

KIA has continued to apply our auto debited payments that are required to be applied to the payment illegally, and have applied to them to the annual tax advance. In consequence, their system has flagged us as delinquent, now by 79 days. This is after we had made a payment previously to KIA and filed a complaint for the same said activity, to which they provided no excuse or even response to that said portion of the complaint. 

KIA has now moved into theft of our personal property as part of their illegal collection and recovery activities. On late as XX/XX/XXXX, they auto debited a payment from our account that should have been applied to the monthly payments as per contract and legal requirements. However, they continued to apply these payments incorrectly and then made the decision to repo the vehicle less than a month later on XXXX. 

Again, they have now illegally applied payments incorrectly and repo 'd a vehicle within a month of the last payment from customers who have been with KIA for 5+ years and had our account on auto draft for payments. 

This has caused significant mental anguish, pain and suffering and if KMF does not take the appropriate actions, we have now started the process to retain legal council to start a suit against KMF.

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 2017-08-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt showing up on my XXXX account that has already been proven to not belong to me and was deleted before. The company obviously has sold the debt over to someone else and now Its placed back on my transunion account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RS Clark and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, XXXX Phone # XXXX I wrote them in spring of XX/XX/XXXX, after I got a demand Letter from them. They were tasked to collect {$330.00} for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, phone # ( XXXX ) XXXX I wrote them, and told them on XX/XX/2018, I paid the check to XXXX. 
They did nothing. 
I called XXXX XXXX. They said I need to take it up with Collection Agent. I wrote RS Clark and Assoicates to remove the Derorgatory in XX/XX/2018. It only lists as paid collection. 
This had hurt my credit, and they continue to not return calls or letters to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2018 RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : XXXX XXXX XXXX, Credit Report, File # XXXX XXXX XXXX XXXX Dear Sir, This is the second and final time, I will demand that you remove this negative item from my Credit Report. 

I wrote you last spring, with proof showing the bill to XXXX XXXX XXXX was paid! 
It remains in the report. 

Please remove this at once. 

Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX I would appreciate your help. 
This check was # XXXX on XX/XX/18 {$330.00} on XXXX XXXX XXXX bank acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXXXXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

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 2020-10-26
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: First Direct Mediation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, who identified himself as a representative from the civil processing division of First Direct Mediation, repeatedly tried to get ahold of me, starting on Tuesday, XX/XX/21, about a pre-litigation complaint allegedly filed against me. He referenced a file number XXXX. He stated that I only have XXXX hours from that date to either call myself, or have my attorney call him to make a formal statement, but he didnt say in the voicemail what the complaint was about, or who his client is making the complaint. XXXX XXXX XXXX then proceeded to call my father, XXXX XXXX, trying to get ahold of me about the same issue. XXXX XXXX then tried to call me today, XX/XX/21 about the same issue, only this time in the voicemail, he stated I had until XXXX XXXX to respond myself, or with my attorney, otherwise his client would proceed further by verifying my employment, and sending out notification for me to appear in court. Again, XXXX XXXX XXXX did not state in the message what the complaint was about, nor said who his client was making the complaint. I feel very harassed that XXXX XXXX would not only threaten me with verifying my employment, but continuously trying to contact me, and even my father, and not even supplying me with who his client was and what the complaint is about. I need XXXX XXXX to stop harassing me, otherwise I will contact my attorney, and take legal action against XXXX XXXX and First Direct Mediation for harassment.

Company response to consumer: Closed with explanation