BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The lease on a XXXX XXXX XXXX ended on XX/XX/XXXX. Due to the Covid19 pandemic the dealers were closed, and i was unable to return the car on time. I did pay for an additional month. I finally reached a person at XXXX XXXX, and returned the car on XX/XX/XXXX. The dealership was still closed at the time. Due to covid 19 my wife and i were not about to go looking for another car. We did not even go to the supermarket. We had food delivered from XXXX. We did not visit friends. For a year we pretty much went nowhere. We both have health issues. A year later i get a notice from XX/XX/XXXX that i owe {$460.00} because i did not lease another car within 60 days of lease end. If i had leased another car i would not owe the money. This seems like extortion or coercion. Since my wife and i were both fully vaccinated, and the virus has eased, we did lease a XXXX XXXX on XX/XX/XXXX. XX/XX/XXXXXX/XX/XXXXstill wants the {$460.00} because it was more than 60 days from the prior lease end. Can you please help. Thanks.

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 2023-04-05
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
VANCE AND HUFFMAN LLC PURCHASED A XXXX  DEBT FROM XXXX XXXX XXXX. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. 

I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX 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 non-monetary relief
Consumer complaint received 2020-11-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am reporting the US based Brokerage house Coinbase for fraud. Coinbase is a illegitimate fake company doing business as a brokerage in the USA. They claim to be real, however, a depositor can not reach anyone at this fake company by email or phone, all their infrastructure is designed to prevent a depositor from accessing their money and assets for trading. Every time I try and move money, after I have followed their extensive identity proof requirements, 1. They hold up the money and the trades for 72 hours, and we suspect they are using our money at that time for their own trades. 2. Then they falsify transfers of assists and overcharge the depositors trading fees based on their fraudulent transfers. 

When we try and contact them, they send depositors to a nonfunctional question submission webpage. It is literally not possible to contact this fake brokerage to resolve the issues. Depositors have even tried to contact them on fakebook, but are never answered. 

I have evidence of this fraud. On XX/XX/XXXX I attempted a transfer of .2397 of BitCoin ( ruffly {$4000.00}. ), 72 hours later ( which should have taken 20 minutes, thus we lost our trade ) I received a transfer confirmation of transfer of 5.78 BitCoin ( {$100000.00}. worth ) including the fees paid to transfer that. 

Coinbase charged me fraudulent fees for transferring {$99000.00}, when I only transfered {$4000.00}. They're service provided false documents on the transaction which I have screen capture evidence. 

I verified that only .2397 of BitCoin was actually sent, and I recalled the transaction and received back my .2397 of coin. The receive transmission report was correct. 

Coinbase should not be allowed to operate in the USA, no bank or trading firm should be allowed to operate here if you can't reach the firm to work out disputes, and if they are falsifying documents and charges. 

We can provide documents from our account to the CFPB for verification to our claims, but will not post to this email form due to having our numbers on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Me and my wife was treated in the charity program at the XXXX XXXX XXXX XXXX XXXX inside XXXX  Hospital since XX/XX/XXXX until XXXX XXXX, then came this collection from laboratory and different charges.I knew we never charged until we transfer to XXXX XXXX hospital.The charges came from the same hospital x rays and the lab were do not belong to the hospital and I do not know why they charge us because we have a letter that by XXXX   XXXX XXXX that our balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last XXXX my daughter was taken to XXXX XXXX  XXXX. She was an out patient. At the time of Service she received XXXX XXXX XXXX  which is essentially XXXX. I received a letter through XXXX  XXXX Saying that they approved and would Cover 100 % of her treatment. Now I am receiving bills from XXXXReceivable Solutions. If a bill is owed then that means someone didn't do their job. Not that I neglected to pay. I have communicated this multiple times. Not only did she have XXXX but she also started receiving XXXX half way through her treatment there which was reported to them but according to XXXX, XXXX  never filed a claim. I am officially disputing the debt on the grounds that It is not My fault if XXXX employees didn't do their job. I do not owe this debt. If they didn't get payment they need to take it up with the insurance companies. I also have charity through other hospitals. I have provided that as well below. I would think if I qualify through one I would qualify through the others. I have attached however the copy of the XXXX insurance cards and proof that a claim was never filed by XXXX. I will once again reiterate that I gave them the information while she was still in treatment. the made copies of the card but they told me that XXXX   XXXX approved the treatment all the way through. XXXX XXXX also confirmed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an account with Care Credit in 2020 for some dental work that I needed to have done on an emergency basis. Initially, I was denied an account but then was approved when my mother agreed to co-sign for me. I was approved for a credit limit of {$5400.00}. My mother is also on this account. Out of the blu, my credit limit was decreased down to {$3400.00} without warning. I was not able to complete my dental work because I was left with little to no credit available. This was done even with me making my payments on time. I knew that Care Credit/Synchrony bank was going to be checking credit history for account status periodically. However, they decreased my credit limit citing that I had no real estate accounts. I called Care Credit to make sure that upon reviewing my account if my mother 's information was also checked and I was advised that it was. My mother has owned her home for more than 20 years. We were also approved with me not having any real estate history. How can I be decreased in available credit for the very same reasons and credit I was approved for with my mother co-signing. Because they decreased my limit I was unable to complete my dental work and my credit score dropped 20 plus points. I tried to get the credit limit I was initially approved for back and I was advised that I would have to apply to get a limit increase which meant checking my credit and my mother 's credit all over again just to get the credit we were approved for back. Which in turn would decrease our credit again because of the inquiry it would leave. I think that is deceptive to decrease the limit of an account that is in good standing. Also, to decrease the limit on an account for the very same credit condition that it was approved for is not appropriate. I did not own any real estate when my account was approved with a co-signer. My mother does have a real estate history. It has not mysteriously disappeared from her credit. Since this has happened my account has been maxed out multiple times. Because my account is over the limit, my credit score continues to decrease even though I have been on time with my payments. I am also charged excessive fees because my account is over the limit.

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 2020-09-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

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 ACCOUNTS 1. XXXX XXXX XXXX with AC
CT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: General Motors Financial Company, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has called everyday for the past week ( XX/XX/2020 - XX/XX/2020 ). They have called 4 times today XX/XX/2020. They also call in another name - Americredit. I do not have an account with them. My account is with GM Financial. I tried to submit a complaint online but it stated that I had to call. When I attempted to call they stated that they have a very high call volume and to call their remote customer service agents. They call my cell phone and my job. I want them to stop calling me at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX granted mortgage modification, began payments XX/XX/XXXX to Citizen 's One, have made all payments thru XX/XX/XXXX, XX/XX/XXXX payment being held in escrow. 

From XX/XX/XXXX to date, receive monthly statement showing account is delinquent, no payments made. 

Calls to customer service regularly ( will supply phone records upon request ), responses from Citizen 's One : " we see the problem, it is being remedied, '' " this is a large institution, these things take time. '' XX/XX/XXXX, Citizen 's One website updated and displayed account as being one month behind, called again to Citizen 's One asking this to be remedied, were told they would work on it and it should be all set shortly. 

XX/XX/XXXX- served foreclosure papers, and no longer able to make monthly mortgage payment, hence the escrow account mentioned above. 

XX/XX/XXXX supplied documentation of all bank statements and canceled checks ( attached ) from XX/XX/XXXX through XX/XX/XXXX to Citizen 's One and the law firm of XXXX, XXXX, XXXX XXXX, XXXX, RI. 

Have been told by Citizen 's One the package has been received but they do not know who has it. No contact to date from law firm regarding documents provided. 

XXXXXX/XX/XXXX- in the process of seeking own counsel. 

Unfair practices by Citizen 's One include : failure to apply payments correctly, falsely placing property in foreclosure. 

Damages to homeowner : incorrect XXXX tax documentation, home in foreclosure, seeking own counsel to protect home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: OK
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:
XXXX I hit a deer on my way to work and I had insurance as well so the insurance did there part and paid but for some reason the bank ( XXXX XXXX XXXX ) in XXXX XXXX said they never received the payment. So I have been back and forth with the bank and insurance company about this and now I notice that the bank has put this debt on my credit so I called the bank and the insurance on a 3-way call and got to the bottom of this so come to find out the check was at the bank the whole time so the ending of this story is that my vehicle was wrecked then the bank repossessed the vehicle at the body shop and put the debt on my credit file now the worse part is that the bank found the check and took my vehicle and left me with nothing and ruined my credit so when I reached out to the bank they said that there was a left over balance but I had gap insurance and the Bank response was we reached out the company that carried your insurance but no answer so it looks as if I got the screws on this but I'm not taking this and this has a negative impact on my credit and I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. 
I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.

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 2020-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As I reported earlier this evening, Chase bank reversed a {$5500.00} electronic payment that I made to Chase card services on XX/XX/XXXX. However they have not put {$5500.00} back into any account of mine nor contacted me regarding this {$5500.00}. I am highly concerned about this as it appears its just been stolen from me. Its almost XXXX XXXX I havent gotten any sleep, Im XXXX. I hate Chase Bank and the agony they have caused me since XX/XX/XXXX!!! Please help me find some resolve with this XXXX bank!!! Thank you.

Company response to consumer: Closed with explanation