BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, Complainant 's letter stating all further communications regarding the alleged debt were to be in writing only and that telephone calls were inconvenient was received by the collection agency. On XX/XX/2019, at XXXX XXXX EST, Applied Business Solutions, via a female collection agent, contacted the cellular telephone of this Complainant, using telephone number XXXX, stating she was calling from Applied Business Services and that it was on a recorded line. I informed the female collection agent that a letter stating no calls were to be made to my number was received by her office and that I intended to pursue legal action. ( I have conferred with legal counsel regarding this matter but have not retained his services. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I received a letter from " Agency of credit control '' on XX/XX/XXXX of XXXX with an itemized bill under my husbands name asking that we pay off the debt of {$410.00}. We called XXXX XXXX XXXX on XX/XX/19 to pay off this debt and XXXX informed us that they sold off the account off to a 3rd party collection agency and will have someone reach out. On XX/XX/XXXX we got served with paperwork for the both of us in regards to this debt. We looked up this company " Agency of credit control '' and they had many complaints on how they collect. We called XXXX XXXX XXXX XXXX today XXXX and spoke to XXXX and she disclosed information on our account to a 3rd party with little information and she confirmed that they are a legit company. I called Agency of credit control to come to an agreement and they let me know that my new balance is now {$1200.00} due to collection and court fees. Our court is not set up for XX/XX/19 @ XXXX. I am calling way before our court date to set something up but now they are increasing my balance claiming court fees are included. Second option they gave me is {$810.00} by XXXX. They have tripled my debt and this is illegal and a huge FCRA & FDCPA VIOLATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Atlast loans is calling my previous employer, I no longer work there and they are continuously calling them for me. They have already been advised no to call my employer and they are calling previous employers now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from the debt collector saying I owe 600 something for XXXX XXXX XXXX college and the person from the office told me I could start paying by splitting the payment into 3 so I started right away and I was told since Im making payments it wouldnt go into collections. Its still open account on my credit and its been paid off in full since XXXX this is really affecting my credit because its been paid off ad I would love for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My husband received his EIDL on XX/XX/XXXX to an account he specifically delegated to the loan. He then transferred money to our joint account so we could pay bills related to his real estate business. Chase bank immediately froze all our accounts. ALL. Chase is demanding that we either supply a EIN, which doesnt exist. The loan was qualified using his SSN. Or a 1040 with a itemized profit and loss which he doesnt have either. Just a 1040. Chase said they will close the account and keep the money until their requirements are met or if we give back the money to XXXX which is fine. But, XXXX says Chase needs to send the money back and Chase says XXXX needs to take the money. 
Ultimately we would like to keep the money as it will help us stay afloat but if we have to send it back thats ok too. But our hands are tied and Chase is stealing peoples money. We are not the only ones. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 am attaching a description of what happened in a nutshell it an attachment, as the actual time dealing with this and dragging paperwork out over and over has made it difficult to locate all of my notes etc dealing with this. They refused to take care of fraudulent charges on my account while using the excuse that they did not get information from me. I can not provide what I do not know about a company that has put charges on my card in which I did not authorize. They repeatedly made calls including " robo '' call day and night from XXXX aboutXXXX on my cell phone. They refused to stop up request. After acknowledging fraud they still did not deal with the situations and they continued to try to collect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08
Company: Nicholas Financial Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I believe Nicholas Financial has shared my personal information with XXXX XXXX XXXX After I got purchased the car from Nicholas I was immediately contacted by XXXX. 

In addition I am being charged for insurance with a percentage rate on the insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have received a Bill to pay my Goodyear credit card. I can not activate my online account to make a payment or reach anyone to help as the online error suggests I do. I have called 8 times and spent a grand total of 2 hours and 40 min listing to please hold for the next representative. My payment is due in 4 days and I have no way to pay it. This is BAD customer service. the worst I have ever dealt with.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection ServicXXXX for other possible violations of the law.

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 2020-11-18
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 status incorrect

Complaint:
I have contacted Experian Credit Bureau on three separate occasions by certifies return receipt mail via the United States Postal System., Each attempt has failed and been unsuccessful.. The problem is that on my account specifically that of XXXX XXXX XXXX XX/XX/XXXX, Account Number XXXX Date Opened XX/XX/XXXX., Experian has failed to correct my Payment Status to : Paid As Agreed not the the current Payment Status : Current but was 30 days past due., As XX/XX/XXXX and XXXX XXXX have Purported since XX/XX/XXXX, XXXX, Please let the record show and reflect that on this date of XX/XX/XXXX @ XXXX Eastern Standard Time XXXX that I hereby have no claims or disputes with the account and the way its been reported by XXXX XXXX XXXX XX/XX/XXXX..I have had no issues with the information being reported correctly on my XXXX XXXX and XX/XX/XXXX Credit File XXXX Only Experian XXXX They are in violation of the FCRA Subsection 623a which specifies that Experian has a DUTY to CORRECT and UPDATE INFORMATION., And that a furnisher that regularly furnishes information is also required to notify the Credit Reporting Agency if it has determined that previously furnished information is not complete or accurate and to correct that information., To this date Experian alone has failed to update my Payment Status to, Paid As Agreed. I have no disputes and or claims of erroneous reporting by XXXX XXXX as I will provide them a copy of this complaint which is strictly and specifically directed at Experian Solely.

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 2020-10-23
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am on track for Public Service Loan Forgiveness. At one point my loans were serviced by the XXXX XXXX XXXX XXXX - that was shut down and my loans were transfered to my current servicer, Fedloan. Fedloan is alleging that payments I made in 2012 are not " qualifying. '' I have asked them for a copy of my payment record from 2012, which they say they are ordering a review of, but refuse to provide me with. How am I supposed to prove that I made payments in 2012 without access to these records, my bank doesn't retain records older than 7 years. Fedloan is refusing to provide me with a copy of my payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
All three credit bureaus were reporting three different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.

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 2019-05-30
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in the NACA program for 2 years. I have jumped through every loop NACA requested me to. I followed NACA 's instructions to become NACA qualified to obtain a mortgage. I was recently qualified on XX/XX/XXXX in which I signed the qualification form and sent back to NACA. I was advised between my counselor and the HAND department to put a contract on my father 's house, which I did. I was also advised to pay for a home inspection, which I did {$400.00}. I was also told since I was rehabbing the home I would need architectural drawings for appraisal purposes, which I retained an architect and paid a deposit of {$750.00}. When my home inspection was complete, I received an email from NACA HAND Dept that they were now requiring a structural engineer and construction manager ( which is adding to the cost of my out of pocket expenses and mortgage amount ). I tried reaching out to NACA as I didn't understand the scope of the letter and why I need an engineer. I called the HAND Dept and requested a call back a week ago. Nobody ever called back and if your phone call is not returned within 24 hours, they state to call again. So I called everyday. I was told by a Rehab Specialist ( email is attached ) she would reach out to me this past Tuesday, she never did. I called again on Wednesday and I advised I wanted a call back yesterday as I have been waiting over a week and someone kept saying I'd get a call back but they were negligent in returning any calls and/or emails. I finally spoke w a XXXX XXXX, National Director of the HAND department on Wednesday XX/XX/XXXX. I questioned why I needed an engineer and construction manager when it was going to cost more. I was trying to explain to XXXX the whole purpose of the program was to make it affordable and they make it unaffordable requesting for more and more money to be spent. XXXX then said she is the National Director who is the only one who can approve my rehab loan and that she was denying my loan for my attitude. I advised I would file a formal complaint with the OIG and terminated the call. The entire NACA dept as well as myself was then emailed by XXXX stating she is terminating my contract and kicking me out of the program. She stated in the email that I was unwilling to cooperate when I never said I wasn't willing to cooperate. I was trying to find out the logistics of why now I have to hire more people after I've already hired who she told me to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was talking to a woman named XXXX XXXX, whom her email is XXXX. We agreed to exchange money for 2 tickets for a concert, the concert tickets never came through. She suggested for a " friends/family '' transaction through Paypal, and then never sent me the tickets. I tried to dispute this transaction through paypal yet they were of no help at all. I have the emails and conversation showing this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bought a visa gift card at grocery store issued by XXXX and distributed by the blackhawk network. It was fraudulently used at a XXXX despite a pin being set by me by a fraudster. Now they are refusing to send me a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXXXXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my 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 2020-11-18
Company: Stokes & Wolf, P.C.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX I was served for collection on a repossession. The debt was charged-off and sold to XXXX, XXXX. I went to court, and worked out a payment arrangement with the creditor 's attorney ( Stokes & Wolf , P.C . ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On my credit are a lot of things opened by my parents that wasnt from me. Some things I wasnt even old enough to open and or have no knowledge that was used in my name and its causing me problems now with trying to get apartments and things.

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 2019-06-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2019, I received a voicemail. It said, " There is currently a court order being filed to suspend all activity with your social security number. To review all immediate rights and details, contact Commonwealth at immediately today at XXXX, once again XXXX. '' The voicemail then continued in XXXX. I think this voicemail is threatening something outrageous and unenforceable in order to get me to pay them money. I have complained to the credit reporting bureaus to have Commonwealth removed from my credit reports, but they have not done so yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.

Company response to consumer: Closed with explanation