BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to XXXX XXXX XXXX and SYNCB/TJXDC on XX/XX/XXXX informing them of 15 USC 1692e Violation- Misleading False Reporting. On XX/XX/XXXX remains on my credit with the same false reporting. I specifically highlighted the inaccuracies which makes this false reporting and these thinfs remain on my credit report. 

The date opened : XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. 

How can the same account be opened on different days? This is false and misleading reporting. 

High credit : XXXX reported {$2100.00}, XXXX reported {$0.00}, XXXX reported {$2000.00}. How can the same account have different high credit? 

Credit Limit : XXXX reported {$2000.00}, XXXX reported {$2000.00}, XXXX reported {$0.00}. How can the same account have different credit limits? 

Date of Last Payment : XXXX reported XX/XX/XXXX, XXXX  reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. How can someone pay on the same account on different days to the same creditor? 



Now, as of today, XXXX has removed the account because they acknowledged that they were in violation of my consumer rights. However, in XXXX XXXX, XXXX reported this account as a collection/charge off. 

The bureaus did not contact me in regards to how or if this debt was verified, neither did the SYNCB? XXXX validate this debt which is another violation of my consumer rights. 

I've asked twice to have this alleged debt removed from my credit report to no avail.

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 2019-02-07
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Earlier this year, my siblings and I received the proceeds from a sale of family property in XXXX. My sister sent me approx. {$15000.00} via wire from XXXX to my Chase Bank checking account on approx. XX/XX/21. I was told that funds would be available in a couple of days and after waiting for several days, the money no longer showed in my account and I was told that an investigation was being done for international money laundering. I was told that once the investigation was finished, the funds would be available to me and that this would take approx. XXXX weeks. All this time, I have received the run-around. At one point, I was told that a check had been mailed to me. After XXXX weeks, OOPS! -- that was a mistake. Then, I was told that the funds were deposited to my account, but my account had been closed due to overdrafts that resulted in my funds not being available. So, I paid the overdraft fees and fines and was told that the funds would be deposited shortly. I was told over and over again, " Be patient, XXXX XXXX '', it's takes time, but be assured, it will happen any day. Well, days have turned to months. Currently, XXXX XXXX XXXX, XXXX of the XXXX, MD branch has been telling me for XXXX weeks that she is trying to get authorization to pay me " in-store '' rather than waiting for whomever to do whatever needs to happen to shake loose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.

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 2018-01-18
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home on XX/XX/XXXX, with Loan Depot. My account number is XXXX. Since that time, I have been trying to access my account. When I accessed the Loan Depot ( administrative ) site and tried to log in with my information from a previous loan, I received a message that they could not find any information on me. I then tried to register with my new loan information, I received a message stating that I already had an account. I even filled out the form to retrieve a lost password, requiring my SSN, my last name, and my phone number. The message came back that there was no account under that information. I have made at least 10 phone calls, left 4 messages, sent 3 emails, and filed a complaint with the XXXX on XX/XX/XXXX. The XXXX sent a letter which has yet to be answered. The phone calls to Loan Depot all resulted in either the person saying they had no idea what the problem was, telling me they would take care of the problem, being cut off, being transferred back to the phone tree, or having the associate say they were going to talk to their supervisor and never returning to the phone. One person told me that because I have had a prior account, that that account had to be deleted first and that they would do that. It never happened. I have no way to arrange for automatic payments of my mortgage. I had to call the toll free number and get someone to " override '' whatever it was in order to take my payment over the phone for my XXXX obligation. I have no idea where my money is going ; principal, taxes, escarole, or anywhere else. I am being denied information on my account. I need to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX collection agency reported two medical collections on my Equifax credit report. I resolved the items with XXXX XXXX and was told by the XXXX XXXX representative XXXX that they sent request over to Equifax to remove the two medical collection items completely from my credit report. Equifax has not removed said collection items. 
The amounts are {$160.00} and {$52.00} From XXXX XXXX XXXX XXXX XXXX or something like that. There was no account numbers listed with the accounts. XXXX XXXX said they sent request to remove items altogether but Equifax has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: TX
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:
My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2021, I tried to send {$400.00} to my Sister-in-Law in XXXX for XXXX and not only was the transaction revoked, ( after the money was removed from my debit card account and we were told the money was available in XXXX ) but 30 minutes later my account was terminated and I was told by a CSR reading from a script that something mysterious in my profile rubbed them the wrong way. Of course, they refused to talk to me about it. I have an XXXX credit score, own my house outright for 23 years, multicurrency accounts with XXXX, XXXX and XXXX, but my poor SIL doesn't have a bank account. I was able to send her some money using XXXX and, although the experience there was a bit surreal, at least they didn't slam the door in my face and salt the earth behind me like MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to handle a medical debt with Professional Finance since XX/XX/2021. I noticed two Collection accounts on my credit report in XXXX of XXXX, I contacted the Collection company and all they did was send me " a validation " of my name and address on the collection. I then contacted XXXX XXXX XXXX they said they had no information on it it had been sent to collections, I then called my insurance company and they stated they never paid because the {$1500.00} deductible was never paid by me and the account was too old to pay now. The insurance told me to deal with the collection agency. I then called XXXX XXXX and said I would pay what I could on the deductible, they said they wouldn't take it. So, I then sent Professional Finance 2 more settlement letters. I still have not received communication from them. I have done everything possible to handle this and this is affecting my ability to establish credit. Furthermore, every month they are unlawfully re-aging this 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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My complaint is against the credit agencies, XXXX, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 
6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account. 
8. Proof that you are licensed to collect in my state. 

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

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 2021-02-17
Company: OPORTUN FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I called XXXX  today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX a debt collection agency. Sent me a payoff notice for a bill for XXXX XXXX XXXX XXXX for {$340.00} and they wanted a pay off amount of {$260.00}. as per their agreement on the paper statement they sent me. I sent them a certified bank check for {$260.00} and they now claim I still owe them {$86.00} even after I called them several times, they said they would close the account as paid in full. They have refused to close my account. I still have a derogatory collection amount of {$86.00} on my credit report. They are committing fraud against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 enrolled both of my Capital One accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XX/XX/XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( proof attached ). The amount paid to XXXX did not cover the full Capital Once payment, and this resulted in a late status being posted to my credit reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was informed by Capital One and by XXXX that the accounts would " re-age '' in XX/XX/XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2017 I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was Capital One. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of XXXX XXXX XXXX. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado XXXX and XXXX XXXX report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.

Company response to consumer: Closed with explanation