BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: CarMax, 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 status incorrect

Complaint:
I made my last payment to Carmax on XX/XX/XXXX. 
On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I submitted a letter to Equifax to investigate the list of inquiries that are currently listed on my credit report. I have received a letter from Equifax dated for XX/XX/XXXX explaining that the list of credit inquiries " are not currently reporting on the credit file ''.

I waited the toward the end of the month to pull an updated credit report from one of the monitoring provider I currently pay for. I pulled my Equifax report and there was no change to my file. The same list of credit inquiries are still being reported on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: NCP Finance
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took my loan out with XXXX. NCP Finance does their lending. 

I was told that there would be a coupon credit to my account if I come to their location to pay off this loan. Yesterday I was told that is only if I pay it off early. I was never told that just that it would be done at payoff. There is nothing in my loan documents or disclosures that explains this. Also with the fee they added my APR is over 430 %. Ive already paid {$1700.00} on a {$900.00} loan. Now they want {$1000.00} more. They are predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Professional Recovery Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.

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 2020-05-01
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX is a gym membership that I had set up as a monthly charge on my Discover Card. I also was paying, for a period of time, for a separate membership for my son on the same card. XXXX has always been problematic ; continuously and egregiously raising the fees they were charging, attempting to double charge my account for several months, trying to pass through charges on my son 's membership after it had been canceled, not honoring the terms of a written agreement I had requested from my gym location 's customer service manager, etc I had various forms of communication with Discover Card personnel about my continual problems with XXXX. It seems that they took my side on these disputes and even blocked my credit card account from future charges from XXXX. 

Imagine my surprise when they reposted a {$54.00} charge from XXXX on my account in the latest billing cycle after promising that I wouldn't see any more charges from this vendor. ( They later rebated {$15.00} from that amount ). 

It appears that Discover has decided that even though they have decided in my favor about virtually every dispute that I've had with this vendor, if they allow enough time to elapse, they can try to pass through a charge from a disreputable vendor. 

I don't use the term disreputable vendor lightly ; XXXX was cited by the NY Attorney General  for continuing to charge customers for membership fees during the period that their gyms were closed due to the current pandemic. 

It appears that Discover would rather take the side of a company that is now defending itself in a class action lawsuit as opposed to a loyal card holder who has always paid his obligations on time over many years. ( I've been a Discover Card holder since 2006 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX  XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX  having XXXX, this is nonsense to keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello CFPB, I " XXXX XXXX '' had Gap Store Credit card issued by Synchrony Bank, and have used it for few months, around last quarter of 2018. Card Number is XXXX XXXX XXXX XXXX. I have provided a my latest address to card issuer but have never received any statement, or any form of communication at my address. I am holding XXXX card too but had never faced any communication problem with XXXX. However Synchrony Bank ( Gap Card ) seem to be not sending appropriate communication and charged me multiple late fees and put me into delinquency. I didn't even a communication on this as well. 

Recently When I went to XXXX to lease a car, I came to know that my score is very low and I figured out that Synchrony Bank has spoiled my credit history by reporting me delinquent. Now I am holding a credit score of about XXXX ( down from 750+ ). I was not granted a lease, then my husband has to sign a lease for me. 

Please help in addressing this matter with synchrony bank, as I am carrying a bad score and bad credit history because of Synchrony Banks fault. I am hopeful this matter will be resolved in my favor and my Credit history will be fixed too. I want to mention that I made my payments to the bank after speaking over a call, without even receiving any communication from Bank thereafter. 


Regards XXXX XXXX XXXX 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 2017-11-21
Company: ProCollect, Inc.
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 aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Procollect does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: NCB Management Services Inc.
State: OH
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:
NCB Management is reporting on my credit report, they misrepresented the character /legal status of the debt, they ruined my credit rating, used unfair means to collect the debt including calling me at work when asked not to, until I felt I had to pay it to stop them from harassing me. I paid the debt through XXXX XXXX XXXX. They are still reporting on my credit reports as a paid collection which is still ruining my credit rating. They are not even the original owners of the debt and have no contract bearing my signature, therefore has no right to report anything on my credit reports. They violated the FDCPA when they harassed me by calling me at work and home on a routine basis until XXXX XXXX XXXX got involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX XXXX unauthorized transactions was processed. Someone hacked into my account and made online cash advances were transferred from the credit card to the checking account and then purchases were made. Money was not to be found. Never once made any online cash advances before. These were unauthorized charges. I called several times and explained numerous times I was unaware of these charges. I am zero liable for these charges.

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 2022-07-05
Company: Self Financial Inc.
State: CA
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:
An unauthorized credit inquiry was mad on XXXX by XXXX XXXX 3 times so far on XXXX. 

Location XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited {$2900.00} in form of XXXX XXXX money orders, into my bank America account. I was advised at that time my account would credited the next business day. On XXXX the bank risk department decided to close my account without warning. The reason give me was I had two return check come back on my account from closed accounts. Now I have been a customer of bank of America since XX/XX/XXXX and in the last three months no prior return items. So I advised the release my cash to me then they advised me they would not until XXXX. I demanded my money then released {$340.00} but held the rest of my money {$2900.00} I just want my money and I will never do business with bank of America. Help Help!!!!

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 2020-05-01
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX, one day before my payment was due, I called Westlake Financial Services to see what options they had available to consumers due to the Covid-19 Crisis. I was told they had nothing available to help me. However, the representative said I could give them my bank account information and he could then arrange to have it paid automatically on XX/XX/XXXX. As this was my only option, I called back to have it arranged, and was informed that since I didn't make the payment on XX/XX/XXXX, the due date, I would be charged late fees. The lady said I may be able to call back and have them removed later due to Covid 19. 

Although I keep hearing that creditors can help you during this time, and all my other debtors are more than willing to offer help, I have found Westlake to be totally unhelpful. The reps I have spoken to sound like they don't even know about the crisis. 

I am a XXXX  XXXX who is recently unemployed due to the crisis. Since there are 24 million people now filing, my claim for unemployment is backed up. For this reason, I am not certain that I will be able to make this payment right away, and I need Westlake Financial to work with me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.

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 2021-09-16
Company: Experian Information Solutions Inc.
State: PA
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 called Experian a few days ago because there was an account that was not mind ( XXXX XXXX XXXX  ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail

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 2018-03-26
Company: Northland Group Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want Northland Group to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with this firm back in XXXX. I was recently notified that a XXXX was issued on XXXX 15 years after I opened the account and well over seven years after the statue of limitations of XXXX   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 2019-05-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent a certified letter with return receipt to XXXX XXXX on XXXX with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX XXXX XXXX received the letter, and cashed the check on XXXX. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a XXXX XXXX, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.

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