BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Total scam and fraud. Do not link your bank account or give your credit card. I signed up for Moneylion in XX/XX/2019 after clicking on an online ad. I took out a {$500.00} loan and had to link my bank account and credit card, to receive the loan amount. My bank account was charged {$19.00} twice a month, plus a {$39.00} " membership '' fee once a month. In XX/XX/2019 I tried calling because I wanted to payoff the loan in full and cancel my " membership ''. I was on hold waiting for a representative for over an hour on several occasions and each time I was given a different payoff amount - {$580.00}, {$420.00} and {$380.00}. I emailed several times as well and was never given a the final loan payoff amount or a way to do that. I also could not unlink my bank account. I saw that Moneylion kept attempting to make the {$19.00} and {$39.00} withdrawel from my account, despite the fact that I had called and asked for the final payoff amount so I could pay with a debit card. Yesterday they made several attempts under different business names that I was charged {$100.00} in overdraft fees! In frustration I asked for my mother to call and help. She also was told different amounts, and then today was kept waiting on hold for an hour and twenty minutes. She called me in to get on the call with her so we could payoff the loan with her debit card and they hung up on us. I then XXXX  Moneylion and saw that they have an F rating with the XXXX XXXX XXXX and many similar complaints. They also said that they will liquidate the {$100.00} in my " investment account '' and refund it in a few weeks and then I would be able to use it to pay the {$140.00} in membership fees. But I've already been paying " membership '' fees every month from my bank account, with no membership benefits! This is a scam, predatory lending and fraud.I will be closing my bank account, on the recommendation of the manager where my family banks, so they can't continue to try to make withdrawals. For the loan payoff, if they ever respond with accurate info, I will be using a prepaid debit card and have cancelled the credit card that was linked. I am reporting this to the XXXX, Consumer Finance, Federal Trade Commission and the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
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:
I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal 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 2017-11-12
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX  that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harassing telephone calls at XXXX and XXXX in the morning. I have repeatedly asked them to verify what is in collection and they refuse to tell me. I have no accounts in collection on any credit reports. I have repeatedly blocked numbers and have tried to call the company back to find out more information but they will not tell me what they think is in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Conn's, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.

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 2022-03-02
Company: ACIMA CREDIT, LLC
State: MI
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 XXXX XXXX there was an account opened in my name or inproperly reported by ACIMA XXXX FKA SIMPLE. 

I filed a dispute through XXXX along with Acima and both came back stating the account was correct. 

This is wrong. I have not had my credit ran nor have I every spoken with Acima about any type of loan or lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A teller at the drive through at the Prosperity Bank in XXXX XXXXXXXX Tx, used my payroll check to call my employer without my permission to file a complaint about me being " rude '' or " disrespectful ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ORG GC GP Buyer, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was never given the right to dispute by XXXX XXXX. I have went to the BBB and this company has failed to provide proof that the debt belongs to me. I completed a transfer of ownership over two years ago and was told that services were n't even rendered because they could n't get a signal to provide service because of trees by a field representative that called me in error. I contacted XXXX and told them that I transfered the account and that the account should no longer be in my name I was given an email address to send a email and after I sent the email the company kept the account open to incur charges in my name for services they did n't render.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Coastal Credit, LLC
State: PA
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:
On XX/XX/XXXX I received a letter from Coastal Credit LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX Tel : XXXX. I and {$1900.00} left on my loan with them after my vehicle was totaled in a car accident on XX/XX/XXXX from a lady running through a red light and XXXX XXXX XXXX. Coastal Credit stated in letter if I paid 40 % of the {$1900.00} which is {$1100.00} as in letter. <P/>When my insurance ( XXXX XXXX ) learned that I was not salvaging my car they sent over {$1000.00} to Coastal Credit LLC. I then phoned Coastal Credit on XX/XX/XXXX and spoke to a Supervisor XXXX XXXX ( I think that is how you say or spell his name ). I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. <P/>Anyway when I called Coastal Credit LLC on XX/XX/XXXX and said I would like to pay remaining on settlement offered which expired on XX/XX/XXXX.  Coastal Credit supervisor XXXX said I had to pay 40 % on whatever was left on XXXX XXXX and something instead of what was offered in letter. Letter said one thing and Coastal Credit did another thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan principal amount is {$25000.00}. When I contacted Navient they sent me my loan application that says I applied for a loan of {$1200.00}. Now Navient is trying to collect over {$50000.00} from me on this loan. I have made payments and I believe the additional fees and interest they are charging me is usurious and incorrect. I do have a co-signor and this is completely unfair to both of us. What they are doing borders on criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} 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 explanation
Consumer complaint received 2017-07-09
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Nelnet, Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly payment has increased from {$1200.00} to {$1600.00} due to an increase in my real estate taxes. The increase to {$1600.00} is spreading the escrow shortage of {$3800.00} over 12 months. I have requested to extended the spread from 12 months to 24 months as the {$400.00} per month increase will create a finciancial burden on my household. The local property taxes in my community have increased 200 % within the last 12 months. The lender did provide me a 24 month repayment when the first property tax increase incurred of 100 %. Due to the fact that the lender did allow the repayment spread based on the last escrow analysis, they are now refusing to provide a 24 month repayment with an additional 100 % increase. My annual taxes went from {$900.00} per year to {$3800.00} per year within a 12 month time frame. I would like to get the new escrow analysis shortage spread out over 12 months to avoid possible missed payments. The lender stated they would not allow any changes in the increase unless I did become late on my mortgage payments. I am attempting to avoid possible late payments with this request.

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