BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: ERC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. 

I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We paid off my lease by trading in on a different car. We were positive equity on our lease and in fact, we were overpaid on the lease by several XXXX dollars. We traded the vehicle in on XX/XX/2020. The dealer paid off the lease and secured title. 

We have been trying for the past 3 months to get our overpayment of several XXXX dollars back from Kia Motor Finance. Every call we have made except for 1, we get an automated message that they are to busy and to call back at a later time.

The 1 and only time we spoke to a real person, they said there in fact were 15 vouchers for us to get our money back, apparently one for each over payment we had. That was 6 weeks ago, and still no refunds.

We only want the money that was paid in excess of the lease, and feel that in 90 days, they should have been able to send our refund.

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 2019-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2013 XXXX XXXX XXXX as assignee of Capital One Bank ( USA ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX XXXX Michigan ) .They misrepresented contact information to the State of Michigan XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in Michigan and ( 2 ) My last known address was ( XXXX, Ohio ). 

XXXX XXXX XXXX as Assignee of Capital One Bank ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the Capital One collection is a 20 year old collection account ) .The mere fact that the debt with Capital One Bank ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception  and by fraudulent means. All monies XXXX XXXX is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places XXXX XXXX and Capital One Bank violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Ocwen Financial Corporation
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice in Fact, Be it known to all that pursuant `15 usc 1681 ( a ) ( 4 ) that I am a consumer. Notice in Fact, the United States is a Federal Corporation pursuant 15 usc 3002 ( 15 ). Since this is a corporation and I am a consumer, ANY & ALL CERTIFICATES OF INDEBTEDNESS and BILLS are the obligation of the United States pursuant 18 usc 8. I have NEVER signed a CONTRACT or PROMISSORY NOTE with TRANSWORLD SYS INC/XXXX & I believe them to be a 3rd party debt collector which is a violation of 15 usc 1692e because they are aren't the original creditor. I DEMAND to see a purchase receipt granting TRANSWORLD SYS INC/XXXX  legal jurisdiction to collect any alleged debt they may claim I owe. I have also never given my WRITTEN or ORAL consent for these items to be furnished on my consumer reports which is a violation of 15 usc 1681b. Each violation listed is punishable pursuant with 15 usc 1640 & 15 usc 1692k of up to {$1000.00} per violation. So I DEMAND these items be removed from my consumer reports OR pay me {$4300.00} FOR EVERY MINUTE this item has been furnished on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, 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:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
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:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX   {$3300.00} XXXX XXXX XXXX {$120000.00}

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 2019-05-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account was closed sometime last year and I need a statement from Paypal showing the exact date it was closed by them and if the account was ever linked in anyway shape or form to another Paypal account, email is XXXX. I need this information in a PDF file format, it is needed for an ongoing dispute I have with XXXX XXXX.. Their rep stated my account was linked to that email which I do not believe it ever was and how they would get such information since it is private and not something they could obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my TransUnion consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to TransUnion via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

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 2021-10-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just found out today XX/XX/ that I have 3 hard inquiries on my report without my consent. All three were on XX/XX/ from the following companies ; Ally financial, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Pleas remove these hard inquiries 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 2019-05-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express Gold  Card at XX/XX/2019 with the welcome offers, including XXXX points after spending {$2000.00} in three months and 20 % dining cash back up to {$100.00}. When I opened the card, I did not receive any pop-up message from the AMEX saying that I was not eligible to this welcome offer. 

However, after completing the spending requirement, i did not receive the promised welcome bonus. I contacted with AMEX customer service and got the response that " I am not eligible for the AMEX Gold welcome offer, because i got a XXXX Card in XXXX and received the bonus on that XXXX Card. '' I didn't see the connection between the old card and the new card. I had accomplished all requirements for the XXXX card and did not close it. 

I should got the promised bonus for the AMEX gold  card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: MO
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:
I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2  ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/2016 4 ) U.S Dept of ED Direct XXXX XXXX XXXX ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I need to update a payment arrangement I made in the amount of XXXX, not including late charges which total around XXXX, I believe. Payments are scheduled to post on XX/XX/XXXX in the amounts of XXXX and XXXX via XXXX bill pay, another payment will be made on XX/XX/XXXX in the amount of XXXX, I believe this covers the month of XXXX and part of XXXX. I will work on getting remainder of XXXX payment by second week of XXXX, by the XXXX. I do not know about XXXX 's payment.. Currently, I do not have a phone to call to adjust this payment arrangement, it was noted by a manager in collections prior, that rep replied to last complaint I made. Also, I need to know when account is eligible for another extension/deferral, I believe the last one was several months ago. Please note, the reason for adjustment to arrangement is due to a property tax bill on the vehicle in the amount of XXXX, which needs to be paid as it will prevent vehicle from registration renewal. In Connecticut, you are not allowed to register your vehicle if a property tax bill is due on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2013 Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA  ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX , XXXX ) .They misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address was ( XXXX, XXXX ). 

Midland Funding LLC as Assignee of XXXX XXXX XXXX ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the XXXX XXXX collection is a 20 year old collection account ) .The mere fact that the debt with XXXX  XXXX XXXX ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception and by fraudulent means. All monies Midland Funding is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places Midland Funding and XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE. 

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.

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 2019-05-18
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation