BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Account Discovery Systems, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 at XXXX XXXX - I was finally able to get this Debt Collector, XXXX, on the phone. I had to XXXX this phone number to find out information on this company and it appears that the name of the company connect to this number is Account Discovery Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, https :  //accountdiscoverysystems.com/contact/. They were very rude to me on the phone. I asked them to send me information on this debt in the mail along with a validation of this debt as I no longer have this Kia Sportage they referenced in their voicemail message and that XXXX XXXX XXXX XXXX XXXX XXXX had recently sent me a check for about {$40.00} in the mail recently regarding this account. They claimed that they were not representing XXXX but another third-party collection agency. This left me confused. They also refused to send me anything in writing regarding what they claimed I owe. They said that I was refusing to pay a debt I owe because I was asking for information on a debt that they claim I owe to a third party that is not even XXXX whom had recently sent me a check and for which I have the legal right to request information. They also threatened me with legal action since they said that I am refusing to pay a debt that I don't have any information about. As far as I am concerned my business with XXXX should be completed with the sending of this check in the mail to me. Their refusal to send me any information in writing regarding this debt that they claim I owe, their refusal to send me a validation of this debt are all business practices that goes against the Fair Debt Collection Practices Act. Also a quick XXXX search of this number reveals that this company has been sued multiple times and has had several complaints placed against them for unfair debt collection practices : https : XXXX, https : XXXX XXXX & XXXX & XXXX & XXXX & XXXX, https : XXXX, https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX ... XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are even XXXX XXXX dedicated to this company due to all of the complaints and lawsuits that have been files against it : https : XXXX. Please help me to resolve this issue with this horrible company and let them I do have the legal right to ask for information in writing, I do have the legal right to request validation of the debt that they claim that I owe, not to them and not to XXXX but to some other third party. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, Following on from a number of issues with GM Financial and continued deception in the collection of an outstanding balance of {$4600.00} On XXXX separate occasions they have attempted to collect incorrect amounts as follows. 

1. On the XXXX of XXXX, XXXX and XXXX they requested {$1000.00} with 12 payments of this amount showing as owing in their system. 
2. In XXXX they requested {$60.00} and showed XXXX payments of {$380.00} owing from the month of XXXX. 
3. In XXXX they requested a payments of {$330.00} being past due and an amount of {$1900.00} owing on the XXXX ( Exhibit A attached ) I have received excessive phone calls up to twice a day everyday for weeks and left messages on a daily basis requesting payment when the account was in good standing so therefore GM Financial is attempting to collect a debt which were at the time not outstanding I have spent hours on the phone to get this corrected and they have now come up with a figure of {$180.00} of which I have already scheduled the first payment. 

I continue to make every effort to resolve this and GM Financial continues to request the incorrect amount. I have no issues with the correct payment of the amount however given their multiple attempts to collect more than what is owed I would like the account to be removed from my credit file. 

I have discussed the matter with XXXX a " Consumer Complaints Specialist '' at the GM Financial corporate office and have been unable to get a satisfactory response to multiple emails sent requesting the account be deleted. 

I feel GM Financial are in breach using unethical methods to collect incorrect amounts which has led to false and misleading statements and incorrect credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
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:
Account duplicated multiple times. 
Department of Ed/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX All are dated XXXX/XXXX/2010

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from Pressler & Pressler stating I allegedly owe them another {$2600.00}. I have found errors in their accounting. Per the numbers they sent me, they have collected {$3200.00}. This is incorrect. Just for XXXX alone, they report having collected {$1900.00}. Per my pay stubs on my former companys website, they have taken {$2100.00} from me in XXXX. 

From XXXX to XXXX, they state they have collected {$1300.00}. They have not provided where they got their numbers from and I am unable to verify and reconcile their reported numbers from XXXX to XXXX. The temp agency I worked for at that time does not keep records from that far back. Per the numbers Pressler & Pressler reported, they have collected a grand total of {$3200.00}. This is also incorrect. 

Per their numbers reported along with the records of my pay stubs, they have taken from me a grand total of {$4100.00} and are demanding another {$2600.00}. 

I do not find it prudent to send them any money or fair for them to garnish my wages without proof of debt. They didnt even provide where they got their numbers, as well as refused to provide proof of where the debt is from and have only listed the dollar amounts. If there are errors like this in their records, what is to stop them from making up another dollar amount and demanding more from me in the future after this is settled?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: MS
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 contacted the credit bureaus XXXX and Equifax about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and Equifax asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Waypoint Resource Group, LLC
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:
Attention dispute department WAYPOINT RESOURCE GROU XXXX 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 WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ERC
State: NC
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:
XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SOMEONE STOLE MY PHONE AND MY WALLET AND ACCESSED MY ONLINE BANKING INFORMATION AND FRAUDULENTLY TRANSFERRED AND WITHDREW MONEY USING MY ACCOUNT. MY ACCOUNT IS NOW IN THE NEGATIVE. I AM NOT LIABLE FOR THIS DEBT. I REQUEST THAT NAVY FEDERAL REMOVE THE NEGATIVE BALANCES FROM MY ACCOUNT AND PROVIDE ME WITH A NEW BANK ACCOUNT NUMBER SO I CAN CONTINUE USING MY BANK 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 2019-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My monthly payments went up way above what I can afford and Im not sure why. My monthly payments use to be {$1500.00} and now the total monthly cost is {$2100.00}. I contacted the company ( select portfolio services ) and they werent concerned about my hardship to pay. Ive never missed a payment and never had a problem when my mortgage company use to be XXXX. Four years ago my mortgage company XXXX automatically changed to Select Portfoloio Services and now everything is confusing. 

Please help to see if this was an error on the companies part and if I can restructure my current contract to something that would be more Fair and reasonable. I dont want to lose my home. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA 's refuse to remove fraudulent information from my consumer 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 explanation
Consumer complaint received 2018-03-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.

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 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
ON XX/XX/2022 BANK OF AMERICA GOT A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSON

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 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is the fifth time that I have reported issues with capital one, ranging from reporting my account late when they had put in a program during the terrible hurricane that hits Florida and now for a refund of atm withdrawal that was made with my card in the XXXX XXXX. They spent an entire month investigating the issues and they refunded the item back to my account on XX/XX/XXXX for {$140.00} {$160.00} and different other charges that was fraudulent on the account accompanied with interest charges etc. 
Now in XXXX I received a phone call from one of their agent or supervisor that says that I am calling to go over the charges that you had disputed and I believe that these charges was not fraudulent because they use your pin and no one couldnt have made these transactions if they didnt have a pin I answered sir, our belongings was stolen in our hotel rooms and no other companies gave us issues on reimbursing my money, but this guy was just rude and accusing me of stealing my own funds. First of all sir, I am a hard working man in my past when I was able to work now I am a total and XXXX  XXXX veteran, I am also a XXXX  XXXX   XXXX and I dont take pleasure on lying or making up stories, karma is real and I will like for everyone to notice the abuse from capital one. They have my account now with a balance of {$580.00} when my limit is {$300.00} this company is just horrible, disrespectful and outright unfair to small customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I sent Bank Of America, N.A an affidavit stating that my consumer rights had been violated. A few weeks later my account was closed after doing so, and they have now hired an attorney for this alleged debt.

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 2017-11-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.

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 2022-11-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am currently a victim of the XX/XX/2017 Equifax data breach due to cyber criminals. Because of these unlawful action I am now in jeopardy of identity theft. Im learning how to and taking action to protect my credit data adding fraud alert to credit report. Seeking support to help with this stressful offense to my information.

Company response to consumer: Closed with explanation