BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of First Source Advantage LLC.

This collection agency is slandering my name, as well as my credit, by attempting to collect on a debt that they did not verify with me prior to placing that debt onto my credit files. 

This debt collector has made calls leaving voicemails, as well as making subsequent follow-up calls, someone by the name of XXXX XXXX, from a ( XXXX ) XXXX. 
XXXX left a reference number of XXXX in the voicemail that was left. 

Calls have also been made to people whom they believe to be my friends, or relatives, and that is wrong. 

I know nothing about this company, nor the debt that they have wrongfully put onto my credit files without my prior knowledge. 

I do not owe that collection agency anything, and I want them to cease and desist from contacting me, or anyone that is associated with me, or I will be contacting an attorney. 

As well as, I want them to remove any and all of the fraudulent derogatory collection information that they have placed onto my credit files, as well as their company files. 

I want the Consumer Financial Protection Bureau fully involved in this complaint, the collection agency can contact the CFPB, and the CFPB, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed the slanderous derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state. 
And I would also like for them to provide their license numbers, and Registered Agent documentation.

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 2018-03-01
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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:
A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.

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 2020-05-15
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
**This is in relation to my SAM ASH credit card through Synchrony Bank . ** Synchrony Bank is a PREDATORY COMPANY that is stealing people 's purchasing power when they most need it. They are offering no customer service. When one tries to contact them there is NEVER a customer service agent via the online chat feature. They are doing nothing to help me. I have attached a screenshot showing this. The company is making it impossible to work with them and they are offering no assistance for people affected by COVID-19 related financial hardship. They are predatory, and just keep harassing for payment even when the customer still has available credit. They also closed my account SAM ASH  CARD when I still have {$540.00} in available credit! They are denying credit to their customers when they most need it. I want my card REOPENED. If this isn't resolved to my satisfaction, I am going to report this to XXXX XXXX, my Congressman representing my district, as well as XXXX XXXX, and XXXX. They are very accessible and would love to hear how customers in Oklahoma who are already being DEVASTED BY THE ECONOMIC CARNAGE with 15 % UNEMPLOYMENT are being further abused by predatory lenders like Synchrony. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2017-08-11
Company: EQUIFAX, 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:
A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was notified of changes in my report. I log on and see FIVE collection accounts listed that were from XXXX and included in bankruptcy that was discharged in XX/XX/XXXX. I contacted the company and was told they would correct the issue. Then they called back and said they needed proof and more documents and they would " review '' and decide. It is a violation of Federal law for them to be doing this. I stated I would file suit and these need removed. I was told they offer a service to remove them. That is extortion and another violation. Additionally this is a XXXX violation because she stated they have my medical records and can send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish (  {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 explanation
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX dollars ( {$900.00} ) was stolen from this account California EDD Deposited {$900.00} Unemployment benefit to my account XX/XX/2020 My bank card never left my wallet except when I used it myself. 
There is no written record of my PIN number. 
According to bank records, the funds were stolen on XX/XX/2020 You can also see earlier attempts to withdraw funds on XX/XX/2020 and on XX/XX/2020 o None of those transactions were done by me. 
o None of them were done at a location I have ever used. 
A police report was filed XX/XX/2020 with the XXXX XXXX County Sheriff # 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 monetary relief
Consumer complaint received 2021-02-23
Company: Bread Financial Holdings, Inc.
State: CA
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 was COMENITY BANK/XXXX customer since 2014. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. This is my second request. If you delete a missed payment - I will put payments on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AL
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 notified Equifax that these accounts are are a result of FRAUD and they should be deleted from my credit report. Please delete these accounts because they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capital One Platinum credit card where I make minimum payments in direct percentage to the usage of the card. During the month of XXXX of 2017, I was working as a XXXX XXXX for XXXX XXXX  and the engine in my car overheated and blew up, I was left with monthly payments of {$390.00} and repair bill totaling {$5800.00}, at the time I had very little money saved up and I went through a very rough financial patch because I had to start working inside of the store making XXXX rather than XXXX them and that cut off all of my XXXX, therefore I started to make half of what I was making before. Over the that month, I was barely able to make the minimum payment and by the time I reached XXXX of 2017, I reached and surpassed the {$300.00} credit limit in my card, and was left with a balance of {$310.00}, to which was added a {$35.00} fee, which caused the minimum payment to be {$91.00}, which was impossible for me to pay due to my hardship, which I communicated to Capital One and I was unable to come to a lower payment agreement with them. Furthermore, the month of XXXX of 2017 came by, and I still had not been able to fix my car and I was still paying the monthly payments while making half of what I was before, and so I had not been able to make any sort of payment, which caused a second fee of {$35.00}, and a new threshold for my minimum payment allowed of {$120.00}, which once again was an unimaginable figure for me to pay at the moment, so I once again reached out to Capital One over a phone call to attempt to come to a lower payment agreement so that I would not miss yet another payment, but they were unable to help me out. I was able to finally make a payment on XX/XX/XXXX, but by then I had missed two months of payments. Since then, I have continued my business with Capital One and I have never missed a payment. Now, I am attempting to purchase a car and I have two late or missed payment that are hindering my credit report badly, from a moment of hardship in my early adulthood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 monetary relief
Consumer complaint received 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America Im filing yet another complaint on you due to the fact that you failed to conduct a proper investigation I sent in dispute to your company about violations and erroneous information you responded to via the FCPB that you were mailing your response to me. Its been way over 30 days and I havent received anything from your company. I sent you another Corresponding asking you to upload your findings in your investigations information the other CFPB website I attached my Social Security card my US government ID along with my Minnesota drivers license you fail to do that as well at this point its over 30 days in you have to fail to conduct a proper investigation there for your trade lines must be removed from all credit reporting.

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 2017-08-09
Company: Clifton Mortgage Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX   XXXX paid their part of the settlement on the XXXX. 

I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment. 

Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.

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 2021-01-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Please see complaint ID XXXX. 

Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Leap Credit, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In reviewing my checking account, I noticed that {$500.00} was deposited from " LEAP CREDIT '' on XX/XX/20. I did not solicit or sign anything for this " loan ''. This is absolute fraud and/or done in error. I feel my account info has been compromised. How do I return these funds asap? 
I contacted Leap Credit immediately and they told me to report fraud to the credit score companies. Help! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from XXXX however XXXX continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great stress and XXXX  in which I have had to seek medical attention for.

Company response to consumer: Closed with explanation