BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as PARAMOUNT RECOVERY SYSTEMS. The following information is being reported on my credit reports see below. PARAMOUNT RECOVERY SYSTEMS Agency Address : XXXX XXXX XXXX XXXX XXXX ' XXXX, TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$970.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$970.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Yesterday, I received an e-mail from 5/3 explaining to me that I am enrolled in auto bill pay. I never enrolled or ask to be in this program, and it has been done without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I closed a small business and cancelled my credit card processing service with Elavon in XXXX, 2019. In XXXX, XXXX, XXXX and XXXX, 2019, a merchant service fee was withdrawn from my business bank account, and I had to send numerous emails and make many phone calls to receive refunds for XXXX, XXXX and XXXX. I was told that my account was not " properly '' closed by Elavon until XXXX. In XXXX, after I was charged yet another merchant service fee, I once again asked for a refund, and I was advised by XXXX XXXX, an account manager, that the refund was issued and deposited into my bank account on XX/XX/XXXX. Despite numerous communications with Mr. XXXX, including providing him with proof from my bank that the funds are not in my account, he has continued to insist they were deposited and that there is nothing more that Elavon can do. He told me to go to my bank and have the bank investigate ; I asked him for documentation showing the transfer had been made, and he told me there is none. I still don't have my refund.

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 2019-09-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts. 
On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account. 
Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}! 
Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online. 
Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING ''  status from the XXXX to the end of day on the XXXX! This itself is also wrong. 
The bank is manipulating all transactions to skew them against the customer and this should be illegal. 
I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing. 
Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day. 
Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception. 
In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account. 
Nail these thieving XXXX will you?

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 2018-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, Experian, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

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 2018-11-13
Company: First Advantage LNS Inc.
State: CO
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:
due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX   in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX  who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX I lived in XXXX, KY and was a XXXX XXXX XXXX customer between XX/XX/XXXX and XX/XX/XXXX. I missed my final bill payment with XXXX XXXX XXXX and didnt know about it until XX/XX/XXXX. As of XX/XX/XXXX the account was paid in full and closed. 

Contract Callers, Inc reported me on my credit report which adversely impacted my score, and they are refusing to remove this from report with out a reason. I tried to explain to them this was the only thing affecting negatively on my report, otherwise i have a very good credit and it is hurting my chances of a getting a loan. 

A single utility bill should not affect my credit score by more than 90 points!!!

The lady on the phone from Contract Callers Inc, was either being untruthful or not well trained of not telling me about the option of issuing a letter to the credit bureaus about the nature of this reporting. This can make a difference on my credit report, but either she was unaware or just did not care for whatever reason it might be.

" Company Policy '' or " Contractual Obligations '' do not matter  when the account is closed and paid off. I was refused to get a copy of these policies and contract obligations from Contract Callers.

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 2019-03-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The open auto loan I have with Santandar consumer is not reported on my three credit reports that I have recently pulled. Name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Receivables Management Corporation
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 called receivable management to enquire about debt that was on my credit. Was told it was from XXXX XXXX  XXXX. Was told insurance didnt pay them, called previous insurance company and they said it was paid. The amount they said was XXXX which they were asking for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions Inc.
State: NC
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:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX and Experian, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XXXX of 2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX and Experian remedy these errors

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 2020-08-21
Company: JPMORGAN CHASE & CO.
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:
Due to Covid-19, my income was reduced. I fell behind on one credit card payment, my Chase  card credit card. I didnt know to contact them before hand and after I caught up on the payment that was behind, I thought everything was fine. Ive repeatedly asked multiple people at the company to remove the late mark on my credit report due to Covid and Chase utterly refuses because I didnt call beforehand. The Cares Act clearly states that Chase has the ability to help and they are refusing to help. 

Cares Act, SEC 4021.SECTION 623 ( A ) ( 1 ) ( i ) ( I ) Credit Protection during Covid-19 Please contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX  had a breach and my information/SSN was a part of that breach.

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 2018-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Declined to waive first late fee wich was only late by a couple of hours. No courtesies for long time clients and first late fee ever

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 2018-06-19
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX  has been harassing me, my kids and family for the past two years now a company named XXXX XXXX bought the loan they have called family and other people I havent spoken to in years stating I owe them money. They have had people call and come to my place of work threatening to know where I am. The final and worst XXXX that they have done is call my children stating they better tell them were I am. My children!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
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: Billing dispute for services

Complaint:
I missed my house pymt by accident. Its the first time in my XXXX years Ive ever missed a pymt. When I contacted Penny Mac to let them know I made a mistake in missing the pymt and wanted to take care of it. I paid both XXXX and XXXX pymts and had told them I have never missed paying my house payments. PennyMac reported it to the Credit card bureau that I missed a pymt. No one at PennyMac would talk to me about why they sent it. I have worked very hard to get my rating up to were it was before PennyMac ruined my credit score. I want my score reinstated back to wear it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I instructed my XXXX bank ( XXXX XXXX  ) to wire {$30000.00} ( XXXX ) to my US bank account ( held at XXXX XXXX XXXX  XXXX in XXXX , Virginia ). Three days later on XX/XX/XXXX XXXX showed up back in my XXXX account. Neither XXXX nor XXXX can give me a definitive answer as to why Wells Fargo ( XXXX 's XXXX XXXX  ) declined the transfer yet still charged me around {$30.00} ( XXXX ) for an incomplete transfer. Both XXXX and XXXX XXXX   advised me to speak with Wells Fargo as neither of them have access to XXXX 's systems. I have reached out to XXXX via XXXX to explain the situation -- they are now fobbing me off without offering to reimburse me the fees charged. I am not a Wells Fargo customer. 

My confirmation # from XXXX XXXX = XXXX, XXXX also gave me the following tracking # 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 non-monetary relief
Consumer complaint received 2018-06-19
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation