BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted a XXXX XXXX XXXX XXXX through servicer Nelnet under account number XXXX. Nelnet sent me a letter dated XX/XX/2018 ( attached to this complaint ) stating in bold that the review process can take up to 30 days to complete. Thirty days has passed and the status is still reporting as follows per the Nelnet website : Pending Final Approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Eltman Law, P.C.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, my bank account was placed on a hold and showed a XXXX balance. After contacting the bank and getting more info, a collection agency who I guess is a law firm stated I had to enter into a payment agreement in order for my bank account to be released. I entered into an agreement and have been paying ever since. I received a letter dated XX/XX/XXXX from the law firm stating I need to make a payment. I went online to make the payment and it failed. I called the lawfirm and they stated they are closing and sent the account back to the original collection agency. I called the collection agency, they then sold it to another agency. I have been paying since end of XX/XX/XXXX on this account and now the I have no paper work stating the changes that have taken place and I have no idea what happens with all the money I have already paid. I still have not received anything on paper showing any of these changes. What should I do now?

Company response to consumer: Untimely response
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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 2021-04-27
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Have been emailed on XX/XX/21, XX/XX/21, XX/XX/21 to collect a debt that my father owes. They keep message me as if I am my father XXXX XXXX. TrueAccord account number is XXXX. The company is TrueAccord at XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. And they say it's for a XXXX account ending in XXXX. They also refer to an XXXX XXXX XXXX in the email too. Plus when I called to resolve this situation with their company I was hung up on and had my phone number blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SIMM Associates, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2020 simm associates they called me and threaten me over an alleged debt collection case against me and threaten me to legal action and constantly calling me and harassing me and refuse to let me speak to a supervisor about the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ERC
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: Old information reappears or never goes away

Complaint:
I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my  credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. 

I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. 

Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Navient Solutions, LLC.
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:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'NAVIENT '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to NAVIENT numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} XXXX XXXX All I want NAVINET takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After logging into my banking mobile account I noticed deposits that I did not make ... I immediately bought it to the attention of my financial institution ... After two weeks I called my bank and they notified me that not only were they no longer doing business with me they also informed me that I Would be responsible for all of the fraudulent charges to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited {$450.00} into XXXX ( This is a coinbase company ) to invest in BTC and my money was withdrawn from my bank 2 days ago on XX/XX/18. XXXX was showing pending transaction. When I checked in today to see if my money arrived yet, I was surprised with an account closure notice. No reason given. and they already have the form filled out and checked off that there is XXXX balance and no pending transactions. When I called their customer service the lady told me there was no reason listed and she could only refer me to read the terms and conditions. She then said " I will be terminating this call '' and hung up on me. Wow!!! I thought Coinbase was supposed to be one of the most trusted and secure cryptocurrency companies? Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert that a collection account was added to my credit file. The account stated CCS collection in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX  XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX  to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: GCFS, INC.
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2006 a judgment was placed against me in the amount of {$2000.00}. They file every 10 years to keep judgment growing to {$11000.00}. how many more years can they harass me and keep this going. I was never notified of this debt until recently and they have been going behind my back to get judgments renewed after 17 years now. I feel frauded because they will not stop harassing me at my home, job. Is there a statute of limitations from this harrassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted LVNV Funding LLC back in XX/XX/2020. The account was removed from XXXX XXXX. The account was sold to LVNV Funding LLC. This credit card was obtained fraudulently. LVNV Funding LLC has put the collection back onto my credit report as of today Monday XX/XX/2020. I would like this debt permanently removed from my name and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
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: Information belongs to someone else

Complaint:
These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-01-09
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2020-06-30
Company: VW Credit
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}. 

I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted the company and informed them to not call my place of business, as this is my work number, they stated they took my number off, but still calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: GULF COAST COLLECTION BUREAU, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from Gulf Coast Collection Bureau on or about XX/XX/XXXX regarding an alleged debt to an entity called XXXX XXXX. I contacted them in writing advising that I had no knowledge of this debt, asked for validation of same, specifically in the form of any authorization with my signature for this laboratory to perform any services, and in response I received a " statement '' showing my name and address that provides no additional information or, more importantly, my authorization for any work from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, XXXX XXXX, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the United Revenue Corp account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
All Rewards Ann Taylor Master Card has assess fees AFTER I paid the balance of the card off by the due date on XX/XX/2021. I believe they assess interest a month or more post the statement which results in always having a balance on the card. When you think you have paid a card off, they further assess late fees on accrued interest on a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
About two years ago out of the clear blue sky Capital One arbitrarily decided to decrease my credit card limit from XXXX to XXXX, they said that I was not using the larger credit limit. I pay off all of my bills every single month. Since they would not listen to reason I put the card in my safety box and began to use my other card to see if I could get their attention. On XX/XX/XXXX I received a letter from them stating that since I was not using their card they were going to cancel my account due to inactivity on XX/XX/XXXX ; again no notice just an arbitrary corporate decision. If they had simply reached out to discuss I would have used the card on some token repeating bill. What really irritates me is that I have worked hard for over 40 years to establish a solid credit rating which is now XXXX ; when these clowns eliminate my card my credit rating will take an undeserved ding. I have been an account holder with these clowns for over 20 years and the way that they have treated me is reprehensible. Capital One should be censured and fined for abusive business practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation