BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: Diversified Acceptance Corporation
State: FL
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:
I am receiving derogatory marks on my credit score from a account in collections from a company I do not owe for {$250.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-27
Company: Illinois Lending Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: ARS National Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 I received a letter from a company called ARS National Services Inc. stating that this was an attempt to collect a debt for XXXX. I replied with a validation letter on XX/XX/2022, asking that the company please provide me with validly giving them 30 days from when they received the letter. ARS National replied XX/XX/2022 not taking the full 30 days to investigate they replied with the same settlement letter they sent before giving me 3 options to choose from. I then replied back with a failure to validate letter asking that they please provide validly within 15 days of them receiving the letter. They still have failed to provide me with validly so they are agreeing that this debt is false and I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I acquired bitcoins ( {$2000.00} worth of XXXX  at XXXX ) and XXXX  ( {$2500.00} worth of XXXX  at XXXX ) through Coinbase. 
Reference codes of the transactions : XXXX ; XXXX I kept them there as a savings. On XX/XX/XXXX those XXXX  and XXXX basically disappeared even though I have a two step security ( password and text message ) access the account which never were activated. I have tried in more than three occasions to obtain response from Coinbase ( via mail and filing complaints through their website ) but so far no answer or reaction from Coinbase. 
Please advise how to proceed in this case or what legal options I have. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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 was paid

Complaint:
CAPITAL ONE BANK IS SENDING ME MONTHLY STATEMENT WITH MULTIPLE CONSUMER VIOLATIONS. 

ALSO, THEY ARE TRYING TO COLLECT A DEBT NOT OWE BECAUSE I MADE A CONSUMER CREDIT TRANSACTION. 

CAPITAL ONE BANK IS IN VIOLATION OF : FDCPA VIOLATION OF 15 U.S.C 1692b. ( 2 ) FDCPA VIOLATION OF 15 U.S.C 1692b. ( 5 ) FDCPA VIOLATION OF 15 U.S.C 1692f. ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a file on my equifax I am trying to get resolved!!! I call them they are in XXXX and cant speak English!!  I filed a complaint with the XXXX XXXX XXXX and it was rejected!!! I want the old file removed its over 8 years its been on there XXXX!! I have never rented from XXXX XXXXXXXX XXXX!! Its fraudulent needs removed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo reported wrong information on my credit report and it now effects my score.

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 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express RAISED MY INTEREST RATE BY 5 % AND CHARGED ALL EXISTING CHARGES AT 15.99 % RATHER THAN 10.99 %. I COMPLAINED TO THIS CONSUMER PROTECTION BUREAU. NOW American Express SAYS THAT I DID NOT PAY ON TIME AND THEY DOUBLED MY INTEREST RATE TO 29.99 % ON TWO CARDS : XXXX XXXX   AMEX CARD NO. XXXX XXXX XXXX AND XXXX AMEX CARD. XXXX XXXX XXXX. I CALLED CUSTOMER SERVICE IN XXXX AND THEY AGREED TO REVERSE THE INCREASED INTEREST, BUT THE SAID THAT I HAD TO PAY THAT AMOUNT FOR XXXX ONLY AND THAT THE NEXT MONTH THE INTEREST RATE WOULD BE THE 15.99 %. I TALKED WITH A SUPERVISOR ON THE XX/XX/XXXX AND SHE AGREED TO REDUCE THE INTEREST. THEY HAVE AGAIN AGREED TO FIX THIS ON XXXX  18 BUT I DO NOT BELIEVE THAT THIS COMPANY ACTS IN AN HONEST WAY. 20 % INTEREST INCREASE IS OUTRAGEOUS AND American Express SHOULD BE FINED AND STOPPED FROM CHEATING ITS CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: GreenSky, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I ordered custom window from XXXX XXXX and chose to finance the project through greensky. My account was charged a deposit before the installation was scheduled and my payment because due without receiving any communication from the Greensky. I was assessed a late fee that was not reversed. The installation was delayed over a month past the date that was discussed and when the installers finally installed the windows they broke one and were unable to complete the installation. I called Greensky initially to request my account documents and monthly statement, which was sent after the second request. I called Greensky a third time in XXXX after the a second statement said the account was delinquent after I made my initial payment. XXXX XXXX payment was already paid, so I asked the representative what payment I should be making to get the account current and paid through XXXX. I was advised to make an additional payment and I sent the check 3 days later. In XXXX I received another statement indicating my payment was due and showed the entire balance had been charged to my account but the installation was not completed until XX/XX/XXXX. I called again to request a complaint be opened for each of the issues : 1. To have the misapplied payment applied to XXXX XXXX to have the {$11000.00} balance posted on the date of completion rather than XX/XX/XXXX. The agent told me to not make a payment in XXXX until they had reviewed the account and advised they would call back before the XX/XX/XXXX due date. I called again on XX/XX/XXXX and the agent told me the complaint or complaints I was told would be opened, were in fact not open. I requested that they be opened immediately so I can pay on time if I needed to. The agent told me that someone would call me the following Monday XX/XX/XXXX at XXXX and again advised that I not make a payment. I advised that Monday was a national holiday but the agent confirmed that someone would call. No call was received or missed on XX/XX/XXXX. I called again today, XX/XX/XXXX, and was told the complaint manager XXXX was not available and was offered to be transferred to his voicemail. I said that is completely useless and then the agent got XXXX on the line. I asked XXXX why no call was made and was advised that the complaint was not assigned to him until yesterday. I asked how the complaints would be resolved and the agent hung up on me. I called back requesting to speak with XXXX and requested his identification information and the agent refused to provide it. I requested that XXXX call me back in 30 minutes and hung up. No call had been received and no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I requested a lower rate on my Discover Card. My balance at the time was XXXX. Discover informed me they would only adjust the interest rate on purchases AFTER XX/XX/XXXX. From that point forward I have been subject to two interest rates purchases prior to XX/XX/XXXX at 29.99 % and Post XX/XX/XXXX at 24.99 %. I have made payments well in excess of the minimum payment however the balance subject to 29.99 % is now as of XX/XX/XXXX at XXXX. Per the Credit Act of XXXX, payments over the minimum should be applied to the principal of balances subjected to the higher interest rates. I have contacted Discover numerous times about this misapplication of payments with no resolve and was told " they have no way to ensure payment application ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX at approximately XXXX MST, I attempted to contact the company XXXX XXXX about an old debt that I wanted to try and resolve. They transferred me to another one of their agencies who I tried to explain the issue to and offered a settlement of 20 % of the balance. They had already doubled the amount in fees over the last year. The agent then laughed and said they wouldnt do that. I asked to speak to a manager after realizing I was just losing my temper over the behavior of the agent. When the agent went to transfer me she called me a XXXX  tool & when I asked her why, she got extremely rude and hung up on me. I called back, got another agent & immediately asked for a manager and the second agent also has rude comments. When I spoke to the manager, he didnt seem interested in resolving the issue. This collection agency should not be licensed. Just try to talk to them. I can call them and let you listen. I understand I may not have had the most pleasant response to the treatment I received but this collection agency does not want to resolve debt. They want to harass you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Duncan Solutions, lnc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving daily calls from professional account management llc for months. It is a robo call with no options but to call another number. XXXX is the number that keeps calling. I don't have any debt in collections or anyone in my household or with my number. There seems to be no way to stop them from calling or talk to a human. The call seems like it is fraud. Since there is no way to contact or even go to website to report very difficult company to work with. They are also requiring account number when you do this or other info. I don't have any info that is valid as they are calling for someone else account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/XXXX from the wrong business account ( XXXX XXXX spark ). The check was returned NSF. When I realized I made the payment from my other business account XXXX XXXX so that I would be on time. That payment posted XX/XX/XXXX/18. I put money in the XXXX XXXX account on XX/XX/XXXX and they withdrew the payment from my account but never posted to my American Express. I have called 3 times and the representatives keep telling me the check was returned. I called XXXX XXXX XXXX and they said since its on line payment the funds are gone. 

NO FUNDS have been posted to my American Express and no money placed back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Account status incorrect

Complaint:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

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 2019-01-03
Company: Prohealth Care, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ny XXXX Says I owe a debt to XXXX XXXX XXXX XXXX file number XXXX i have never stepped foot in a prohealth care facility in my life

Company response to consumer: Untimely response
Consumer complaint received 2019-01-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal is charging me for a fraudulent transaction and has a negative amount of {$1300.00} on my account. I have tried to resolve this many times but they are blocking my emails and demanding me to pay this fraudulent transaction. I did not authorize or give consent for this money to be taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As it pertains to the credit bureau of Transunion, XXXX, and  XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the Transunion credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the Transunion Credit Union report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my 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 explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i am not using my cap one cards for a while. rented a car in XXXX FILTHY did not start several times tried calling alamo no one responded. when i returned the car i was told to makea complaint i did no one responded. CC cap one is asking me in order to settle dispiute for a cancellation policy i have none and that is not right to ask for. how do i get this settled fairly? please help me. i disputed XXXX dollars which is half of the total and i should get it back they are asking for wrong info to settle it. i have explained i will asa result be reducing all use of my cards from here on out MUCH. HELP. i was screwed no one helped me FILTHY car during a ; pandemic?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charge made by XXXX XXXX XXXX Tel XXXX on XX/XX/2018 for total of {$2400.00}. Submitted claim to Wells Fargo. They did not initiate a fraud investigation. They did not refund the card for the amount. The bank is taking no responsibility, even though it has a chip and I have the card and it could not have bee used at the store. Bank says to talk to merchant. Merchant says to talk to bank, and customer gets XXXX in the process!

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 2019-01-03
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On my XXXX XXXX account I have an outstanding debt with the State of Wisconsin Public Defenders Office. I did not receive notice from State Collection Service Inc. I'm time to dispute.The roomate I just kicked ouerdsyt had the letter in his room for some reason. I found it yesterday. For one : I never received the required payment envelopes except on one occasion. Made a partial payment, never received notice of balance due. I forgot about the obligation cause I XXXX XXXX XXXX XXXX. According to them there was 5 lawyers assigned to me. I can find only 4 in my court records. In one case I had 2, which I was unaware of, did not request two, and there was no need for one. They were worthless. They failed to provide defense for a misuse of justice. Were I'll prepared and could provide no argument for the judge. Another lawyer I was assigned, I was unaware of. It was for a XXXX - breaking a window. I would never request a lawyer for that. I didn't need or use their help. Just made my plea and accepted my fine. Around {$55.00}? Not worth having a lawyer. So, I dispute these charges because they are false, forced on me, failed to perform their job, excessive to have 2 lawyers - which was done without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: PENTAGON FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
MY PENTAGON BANKCARD IS REPORTING AN INCORRECT BALANCE ON MY XXXX  CREDIT REPORT. THE BALANCE IS {$0.00}

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