BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I supposed to buy a ticket from spirit for my mom in XXXX, I look for the ticket to tell my mom how much shes gon na pay i was trying to put it on hold but they didnt have this option because i used to buy ticket on my visas i guess they charged the card without my authorization i didnt know that and i pay another ticket for her with a different card for the same day when i realized that i called XXXX  to get a refund from 1 of the ticket they didnt give me the money back, when i called Bank of America to disputed the transaction they did resolve it after i sent prove where i paid for the ticket from a different card but unfortunately after a month they took the money back this morning said it didnt resolve after 12 years with Bank of America im so disappointed and realized that they dont care about customer all they care about is money money money, im not wasting {$860.00} for something i didnt used i need help since they dont wan na resolved the issues with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: STATE FARM BANK, FSB
State: MI
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 HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Neighhood Housing Services of Chicago Inc
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Consumer complaint narrative During the month of XX/XX/2018, I had received several notices from XXXX Insurance stating my insurance coverage had not been paid both my agent and I made several calls to both XXXX  and Neighborhood Lending Services. The insurance was to be paid by XX/XX/2018. The documents I received and the communications by both my agent and myself resulted in numerous excuses as to why the payment had not been paid. We were given several phone numbers and various address to either fax or send the request for payment. We were promised the payment would be sent overnight. To date the payment has not been sent. I have in my escrow account close to {$6000.00} and the insurance is approximately {$3000.00}. Upon doing further research I have found over 23000 complaints about how this servicer will not pay your insurance and then force you into a forced insurance. 

I have supporting documentation including recorded conversation of my communications with both Neighborhood Lending and XXXX. XXXX sent me a letter stating that they had no proof of insurance coverage and they were purchasing insurance which I will have to pay them and the rate will be much higher than what I am currently paying. I have found that Neighborhood Lending has the exact amount due XXXX. I have also received a letter stating I put a stop payment on my mortgage payment. This is not true, all checks have been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my vehicle, with a pre-approved loan from XXXX XXXX XXXX, from Total Auto Finance in XXXX, Virginia. I tried to set up my account so I could make my payment online, it kept kicking me out. I called Total Auto Finance to discuss the issue, and they informed me that my account was with XXXX and that is who I should be making my payments to. So, I got in touch with XXXX, made my first payment on XX/XX/21, for {$340.00}, it wasn't due till XX/XX/21. I received a phone call from Total Auto Finance on XX/XX/21, stating my payment was late. I explained to them what they had told me originally, sent them the confirmation email I received from XXXX, everything was fine. So I thought. My next payment, I paid to XXXX on XX/XX/21, for the amount of {$340.00}, the day it was due. On XX/XX/21, I received a phone call from Total Auto Finance stating they were going to repossess my vehicle if I didn't make a payment to them. Again, I explained to them what they had originally told me in the beginning. I sent them the confirmation email I received from XXXX. I spoke with someone from XXXX that evening, and they said that Total Auto Finance had purchased the account from them, and any correspondence going forward regarding my account had to be made to them, Total Auto Finance. I had been trying to contact Total Auto Finance through email, phone calls, and text messages, trying to find out what my new account number was, so I could set everything up and make my payment online. They finally called me back yesterday, to tell me to just call them and they could do everything over the phone. I really don't want to do it over the phone, because, at this point, I really have zero trust in this company in their abilities. 
Today, XX/XX/21, I received a threatening email stating that my insurance on the vehicle had expired, and that was cause for the vehicle to be repossessed. I contacted XXXX XXXX to verify my insurance was still active, and they assured me it was. I just made a payment on XX/XX/21 in the amount of {$180.00}. I sent Total Auto Finance the confirmation email from XXXX XXXX regarding this payment. 
Total Auto Finance seems to have a real strong desire to repossess my vehicle. I feel the harassment I am receiving is completely unwarranted and unnecessary. Total Auto Finance seems to be a very unprofessional organization. The only emails I receive are threatening to take my vehicle. 
There is no telling how many other customers they have repossessed vehicles from due to their incompetence. If I mess up on my end, that is one thing, but I will not be treated this way due to the ineptness of their records keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Transworld systems is threatening to take my mom 's assets. We have Tried and tried to make a payment plan they won't help us. My mom is the co signer and I'm on the loan as well. They won't even talk to me after being very rude and threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX I was a victim of card theft. I report my card stolen and Bank of America advised me they would close my account as a result of the incident. Which I did not have a issue with. It is XX/XX/XXXX, I am XXXX XXXX XXXX   and trying to open a bank account so I can get things in order for my family. I got rejected due to being flagged by a system called " XXXX XXXX ''. Bank of America failed to advise me I owed a balance of {$2.00} before they closed my account and placed me on the " risk '' list. Really?? I'm a risk because of a XXXX $ overdraft. When I spoke to the rep she said they do not have to advise me of how much I owe because its my responsibility to know. When the blocked my access online so I was unable to check my account balances and no on told me this when I closed the 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 2018-06-25
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review. 

Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX  soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me

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 2020-07-29
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have recently sold a home XXXX XXXX XXXX XXXX CT XXXX held in Rights off Survivorship with a signed mortgage and name on the deed with my husband XXXX XXXX. He passed on XX/XX/XXXX which made me sole property owner. I continued to keep the mortgage current and sold the property XX/XX/XXXX and discovered I was not the legal title owner. The house was held by a Trustee of a XXXX XXXX opened without my knowledge. I received a loan pay off from M & T bank to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX and then a 2nd pay off notice on XX/XX/XXXX to XXXX and XXXX XXXX. I repeatedly sent my warranty deed and mortgage documents to M & T telling them this property passed outside any estate and they violated the Truth in Lending Act by not disclosing this illegal change of title. They annually sent me letters to change my home owners insurance to The XXXX of XXXX XXXX which proves the had a Trustee deed. So I paid property insurance for legal owner XXXX XXXX for over 4 years and was not covered because a Trustee held title. The have titled my new home XXXX XXXX XXXX XXXX XXXX CT XXXX in this trust too. XXXX mortgage company included a blank Deed of Trust in all my fully executed closing documents and will not give me the completed deed. This is property theft and illegal. I fear my home owners insurance in invalid. I need an investigation and help to enforce truthful lending. They are telling me I purchased a house but conveying title to probate without be truthful. When I asked M & T to assume the loan note after my husband passed, they sent me a residential sales contract listing three parties and further confirming the property title was held by a Trustee.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I learned at the end of XXXX that my information had been used to open and pull my credit for auto loans. All fradulent activity took place bettwen XXXX. 

First I contacted Transunion to dispute a hard inquiry on my account that I didn't recognize. They informed me that I need to contact the bank who pulled my credit, XXXXXXXX XXXX. 
At the beginning of XXXX contacted XXXX XXXX to remove a hard inquiry. XXXX informed me that I need to fax the information to them for them to submit a deletion letter to transunion. 
On XX/XX/XXXX, I faxed the police report, identity theft report, letter to remove the inquiry to XXXXXXXX XXXX. 
On XX/XX/XXXX, I called Transunion to see if they go any correspondence from XXXX XXXX. They didn't. 
The person I spoke to, said the only way i can get the inquiry of my credit report is if I get a letter of deletion from XXXX XXXXk XXXX which i tried to on XX/XX/XXXX ) Side Note-During this time the credit bureau received information to delete a fraudulent CC that was opened under mine name ( from my information being compromised during the XXXX   breach ) which was open days before this hard inquiry was placed on my account. But they say they don't have any information to remove the hard inquiry. 
-they also know that i have identify fraud because they have applied an extended credit monitoring note on my account for 7 more years. 
-- So I am really confused, I am having more trouble removing a hard inquiry from my account than an XXXX fraudulent open credit card. Please help me get this last fraudulent thing off of my credit report.

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 2018-06-25
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A soft credit report was done by NorthStar Prime Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from NorthStar Location Services. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted NorthStar Location Services and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX soft credit pull they did I notified NorthStar Location Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking NorthStar Location Services to validate a debt they did not respond in 30 days. I eventually found the original letter from NorthStar luckily I disputed within 30 days and have my rights per FDCPA. NorthStar did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! NorthStar is working with another company, XXXX XXXX XXXX. XXXX  never contacted me after I asked NorthStar to  validate within 30 days. Neither company validated or contacted me per FDCPA. XXXX XXXX XXXX has put derogatory marks on all three of my credit reports even after and NorthStar failed to validate. After XXXX hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with NorthStar before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent NorthStar Location Services and XXXX XXXX XXXX. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
IQ Data International Inc. has called repeatedly at all hours without leaving any voicemail or any information about the reason for multiple calls. I just received a letter from their representative XXXX XXXX threatening further action when no previous demand had been made of any supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: NH
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:
I am writing to you regarding XXXX XXXX XXXX and the offices of XXXX XXXX XXXX. There are multiple issues with this company and they require more space than available here. First, XXXX XXXX XXXX has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.

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 2022-08-08
Company: ADP Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Quality Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPANY HAS RESPONED WITH FRAUD DOCUMENTS i HAVE ATTACH A POLICE REPORT ON MY BEHAV I AM A VICTIM OF ID THEFT AND MANY PEOPLE USE MY ID AND INFORMANTION FROM A STOLEN WALLET i HAVE LEFT ANOTHHER COMPLIANT I DONT UNDETSTAND WHATS GETTING MISCOMMUNICATION!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation