BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Reported : XX/XX/XXXX - {$500.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX  XXXX, XXXX - {$500.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited into the ATM my payroll check from my employer on XX/XX/XXXX. I was told at the ATM that the funds would be available in 7 business days which was very strange as they never take that long. On Monday. XX/XX/XXXX the funds were not available, by Tuesday XXXX I contacted Chase Bank by telephone concerned about the unavailable funds. I was informed that there was a hold on the check due to a verification of issuance. That my employer could not be verified. I spoke with my manager regarding the issue and he reassured me that they can call and he will happily verify. When speaking to the agent they said that verbal confirmation needs to be done using the number listed for the company. She left the line to call the number but we didn't receive a call. Turned out, the number listed was incorrect. I then went into a branch to speak with a teller in person, the same day. Nothing was accomplished. The teller said the only verification was through the telephone number listed for the business. Even though i had explained that i did not know why it was wrong as i work in the building every day. I provided the correct number and nothing was done. Frustrated i left to speak with the accounting manager at my job. She had me call the bank directly and add her to the line. They explained to her the issue and she offered to provide many other forms of business verification. She said she can email the deed/title of ownership, our EIN, anything that would suffice. Chase was not accepting any of the forms and stated that the number had to match and that was the only way it could be released. I dropped it for the next few days hoping i could find another solution. Monday XXXX i addressed the issue again because i noticed the check was cleared in the bank but not available for use. My employer agreed to reissue the check until seeing this. Chase bank cleared the check but was holding the funds so that i was unable to have the check reissued. When i approached my employer she said she could not do so until they cancelled the check and took off the hold. I called chase bank, spoke with a supervisor and was told there was nothing they could do without a verification through a number that i had previously stated was incorrect and out of service. There was no meeting me halfway and no compromise. So now i am out of a check for almost 3 weeks and i have not found a common ground. Chase bank has closed my account and has kept the hold on the check making it unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: LA
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:
Contacted XXXX  no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services

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 2022-04-07
Company: Real Time Group, Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am trying to payoff a debt that has not changed balance in approximately a year since it was turned over to the current collection agency, in 60 days it has increased by approximately XXXX yet the invoice said no interest or fees are being assessed and I requested a payoff two weeks ago, and have not received a reply. The website forces you to agree that you are a customer in order to get the payoff, I added a disclaimer in my verbiage requesting the payoff and no one has called me. The Company is Real Time Resolutions on behalf of XXXX XXXX XXXX XXXX XXXX. I just want to be done with XXXX XXXX XXXXXXXX, as they are shady and unfair. 

I just received the payoff an includes default interest, in which a lump sum should be waived due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep.  This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. 
When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. 
my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. 
I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio is fraudulently attempting the debt I do not owe to them .So many times requested a validation of debt never happened .And so is requested proof of ownership of this debt .Silence. I contacted FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 5 ) Must state Will Provide Name and Address of original Creditor if Different from Current Creditor 1692 j Forms been designed, compiled and/or furnished to create the false belief that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: SLM CORPORATION
State: PA
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:
Had Spoken XXXX  Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I order some shoes from XXXX XXXX AFFRIM PAID THE LOAN SHOP PAY I NEVER RECEIVED THE ITEM I ASK THAT THEY OVERNIGHT THEM I PAID EXTRA THAT WAS LAST YEAR STILLN TO THIS DAY NEVER WAS PUT IN MY HAND THEY CHARGE OFF I PAID IT {$440.00}. THE LAW STATES I NOT RESPONABLE FOR A DEBT I DONTB MAKE OR RECEIVED THIS WOULD INJURY I CONTACT THEM MANY TELLING I NEVER RECEIVED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello we had just moved to XXXX at the time of purchase as we were in need of a vehicle to get to work and back. On XXXX XXXX XXXX we we t to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to look for a vehicle to trade our current in for. We found a XXXX XXXX XXXX that we felt safe in and took the step forward. We put {$500.00} down and traded our XXXX in towards the purchase. The loan we got was through Santander Consumer USA and the interest rate was 24.8 % and at this time it was our first purchase of a vehicle ever ... So the interest didnt sound terrible. 
Over the first 36 months we were only late by 30 days on 3 payments and paid $ XXXX. After 3 years it seemed our principal had not moved much at all. When we moved to XXXX in XXXX we could not afford the vehicle anymore ... We let it be taken back after daily calls, harassing messages and misleading information being given. 
After recently looking into USURY laws for the state we realized that the state maximum for XXXX is 10 %. We have tried working with them but after realization of being overcharged for interest and for each payment having {$300.00} of the {$370.00} go to interest, we feel taken advantage of. This has gone into our credit for a debt of {$13000.00} being owed now, without us knowing what it was sold for at auction. A law suit may be the only other option but we are hoping things can be settled this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was stolen on XX/XX/2022 I contact the insurance compamy XXXX XXXX who denied the XXXX but also submited the claim to XXXX XXXX due to having Gap Coverage throught XXXX But XXXX is stating XXXX XXXX is the Gap insurance and they process ther'er own claims whi is unfair proctice procedure to the consumer becuse if insurce denies a claim they don't pay the balance off leaving you with a bace even though you've purchased a gap policy

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 2019-07-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX I fell behind on payments due to loss of employment and since then I have continued to call the lender and tried to qualify for a modification. The lender has always made it difficult as every time I call their is a new employee giving me different information of what documents to submit. Also their is no way for me to talk to an underwriter directly to better understand their request. I have also requested help from NHID to help me file to qualify for the modification, however just this past month XX/XX/XXXX the lender kept requesting a 4506T form and they kept mailing the old version of XX/XX/XXXX, but never told me the form was outdated and I needed to download the new one from the IRS page. I feel this has been the route of my horrible experience of wrong information given to me and now they want to sell my house.

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 2021-01-21
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
My XXXX Consumer Report View/Soft Inquiries of American Express reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My state tax lien is being reported on my XXXX & transunion credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.

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 2021-06-12
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Educational Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Educational Account Name : UTAH XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account because I know it is inaccurate. I sent a letter to Commercial Acceptance to dispute it, I sent that letter to the addresses reported to both XXXX  and XXXX, by Commercial Acceptance. They are required by the law to report 100 % factual data to the credit bureaus. Obviously, since the mail was returned to me, they have not reported 100 % factual data to a 3rd party, which would constitute a crime under American law. FIX THEIR MISTAKE RIGHT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found an XXXX  seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One  for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Bankers Auto Acceptance
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:
There has been several attempts made.The trade line was removed from my credit report several times and the company added it back on my report

Company response to consumer: Closed with explanation