BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: BANCO POPULAR DE PUERTO RICO
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Banco Popular Puerto Rico acquired XXXX XXXX XXXX XXXX from which we have our Visa-XXXX. In the process, without consulting me they removed my SCRA ( service member civil relief act ) benefits, going over my 6 % interest rate. We send all documentation requested on XX/XX/2021 and as today, XX/XX/XXXX, they haven't give us an answer. We've called plenty of times and as they told us today ( again ) that they will be evaluating the request ( it has been more than 90 days ). 
I'll like to emphasise that this is not a request, this is an entitled benefit on the federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Federal Credit Control sent me a notice of an alleged debt to XXXX  XXXX. I am unaware of any debt owed to XXXX  XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX  recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I did an online loan back in XXXX with speedy cash for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called XXXX XXXX XXXX XXXX located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
see attacked letter of issues and problems sent to threes different collection agency. 
each collection agency and XXXX don '' t address the problem when recieving the letter. 
they pass to another collection agency and nothing get resolved. I 'm a XXXX year old Senior XXXX XXXX who took my time out of my busy schedule to write this letter explaining in details and problems I had w the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a dispute with my bank chase JP Morgan. I am a victim of theft and discrimination and I want justice. The bank did not verify nor obtain any proof for editing services rendered in which the wrongfully reversed my claim awarding a fraudulent company my money failed to do a proper investigation. In which when I filed I was told I did not need to send any documents unless they ask when the merchant requested the money with falsified documentation my bank did not reach out to me a gave my money back to the merchant whom has blocked me with there lies and the bank was giving documents stiLL showing in my favor. This is robbery discrimination as the bank has hung up the phone on me lied and closed my account as I continuously and actively am still fighting for justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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: Problem with personal statement of dispute

Complaint:
I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem  report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then  risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. 

I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX  XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to 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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows a charge off. I tried contacting Bank of America, but they did not have any information about the account. When I purchased a home in XX/XX/2014, the account nor charge off was present on my credit report. The name on the account is different than my name. The charge off is affecting my credit rating and ability to obtain decent rates on loans. I had a similar problem with a XXXX XXXX card and was able to clear it from my credit report. I hope this misinformation can be cleared from my credit report as well.

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 2017-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I haved contaced Equifax XXXX starting on XXXX XXXX 2017 to present regarding I could not pulled my credit report within my product with Equifax. I was transferred to several people within Equifax trying to resolve this matter with my Equifax Product. I pay XXXX per month for this product and appears since the breach I have not been able to get into my product to get this most out of it. No one has contacted me back regarding this matter at this time. I have removed the security freeze in which Equifax Resolution dept said that was not allowing me to pull my equifax report, but after removing the freeze I still can not get my report from Equifax. I am very tired to calling and being passed to several people that really dont understand what is going on for resolution.I was given these conformation numbers : XXXX, XXXX, XXXX, XXXX and XXXX and still no help with my Equifax product. My contact info is XXXX home or cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2019-04-08
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX that was financed through Santander Consumer USA , Inc for a 72 month term. My original payoff date was supposed to be XX/XX/XXXX but during the length of the loan I have had to request 3 payment extensions due to financial issues and I was told each time that I made the extension request that each extension adds 2 months to the end of my loan, which means 6 months should have been added to the end of my loan. Since my original maturity date was XX/XX/XXXX adding six months to that should have meant that my loan should have been done XX/XX/XXXX. But my complaint is about XX/XX/XXXX, on this date I requested my third extension and on the recorded phone call the representative told me that my new maturity date would be XX/XX/XXXX if I wasn't late on any payments and since XX/XX/XXXX I have not been late on a payment. However, when I made my payment in XX/XX/XXXX my maturity date has been extended to XX/XX/XXXX with a payoff amount of {$5600.00}. If I continue to make my contract payments of {$430.00} to payoff this {$5600.00} I will be paying for this car until XXXX because Santander extends the maturity date until the loan is paid which mean I'll be paying for this car 8 years and this car is not worth it. I have reached out to this company through other complaint correspondence but all I receive is a generic response about my interest rate and when I signed the contract agreement but no one is investigating the call in question and offering a solution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: River City Financial, LLC
State: MN
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:
The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover is harassing me due to an account and related charges that they allowed a fraudulent user to obtain access to my credit card. I have called or emailed in weekly with additional information, with requests for updates, with a request for a contact person to reach out to me directly. However all they do is hang on most of the phone calls, delete information I have sent in, or remove my requests for review, and then mail out letters demanding payment for charges that ( 1 ) I have already paid for and ( 2 ) that I have consistently proved are fraudulent ( 3 ) and that I have been double billed for. The customer service departments and executive office refuse to call me back and talk in person to resolve this, but continue to add bonus charges and fees for their mistake in billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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 had a 3 year lease with Nissan-Infiniti Financial from XX/XX/XXXX to XX/XX/XXXX I was current with payments from the time of the lease from XX/XX/XXXX to XX/XX/XXXX. I had some financial difficulties that prevented me from paying my lease payment on time to as a result the car was repossessed. I received a letter from Nissan-Infiniti stating they sold the vehicle at an auction and I was liable of the balance of {$7800.00}. My account was then turned over to XXXX XXXX XXXX who I agreed to a monthly payment of {$210.00} until the balance was satisfied and was told during the agreement if I wanted to present a settlement to call back and they could make arrangements. I made faithful payments on the XXXX of every month starting on XX/XX/XXXX of 6 payments until XX/XX/XXXX a total of {$1000.00}. I called XXXX on XX/XX/XXXX and offered them a payoff of {$3000.00} they put me on hold to contact Nissan-Infiniti with the offer and they counter offered with {$3500.00}. I called back a week later on XX/XX/XXXX and made the payment of {$3500.00}. I asked for a payoff letter they informed me it would be in the mail with in a week and it did. Nissan-Infiniti then reported that I was late from XX/XX/XXXX to the time off the payoff that information was incorrect and they closed my account with a balance that impacted my score tremendously. I need this resolved and removed from my Credit Report Please. I have read the policy from the FCRA and this is a violation thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX  NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.

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 2021-09-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Regional Acceptance company violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Regional Acceptance did not verify employment or verify it was actually me getting the loan. Regional acceptance requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon regional acceptance I was a victim of subprime lending. Regional Acceptance has not sent me the original indebtedness in its original form.

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 2019-04-08
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time XXXX XXXX has reported that I owe a debt to Exeter Finance. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXXXXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called Exeter Finance.

Company response to consumer: Closed with explanation