BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About eight months ago, I made a complaint here regarding Professional Credit Services ; for whom I overpaid by several hundred dollars on court-related fines. I discovered that, Professional credit services, whom I set up the payment plan regarding two files they had with the court. I made a large downpayment as part of the process setting up the payment schedule. 

Somehow, although the debt collection had closed once paid in full, I received notice from the DMV that I still had outstanding tickets and my drivers license was going to be suspended as a result of nonpayment. I did some investigating and discovered that I had actually overpaid the company by quite a bit. However when I asked the company for its records they did not give me records for the file with the tickets outstanding In question. Naturally, as they had been handling this debt, I was very frustrated at giving them so much money and being paid in full only to receive the letter from the DMV that says I still had two tickets outstanding. I am under the impression that the credit service stole my money and didnt apply it appropriately but rather paid themselves a healthy amount of interest, while letting one of the debts languish. I went to the court and asked that any and all files be transferred back to the municipal court for collection since they dont charge interest and since they are easier to make payment arrangements with. The court honored the request. 

However, where is the extra money that the CFPB owes me an explanation for? It took them forever to respond ; and now they are calling this a misunderstanding and stating that they will send a full accounting that shows how they have applied the historic payments. Obviously I am very interested in seeing this but, here again for the second time, Im told I will receive the information. The company said in their answer here that I would be receiving the documentation shortly, but guess what? Still I have not seen it. I want this company to follow through with their promises and pursuant to the law, show me the info That I am entitled to - or, reduce the balance to XXXX ; and if they cant give an explanation that shows where my money went, which was far exceeding the actual amount of the debt to be paid, and without applying the payments evenly To both debt files like they were supposed to do, then I should actually be receiving a refund for money they took from me but to which they were not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan Chase, back on my accounts how the messed things On XX/XX/XXXX they got payment XXXX, i called them on XXXX XXXX  for post payment it was post payment not payment they was difference He ran it while i was on phone without question what happen it put 3 months behind, We received your XX/XX/XXXX payment on XX/XX/XXXX ; however, we did not receive your XX/XX/XXXX payment until XX/XX/XXXX. We confirmed the payment made on XX/XX/XXXX, which was intended for the XX/XX/XXXX payment, was returned to us on XX/XX/XXXX, as unauthorized, by the banking institution you used. As a result, we reversed one payment from your mortgage loan, which brought your loan due for three payments, this would be their response, I talked to my case worker and to corportate office her name was XXXX i no she still works their i ask my case worker did you cancel this she yes we did, same thing at corporate office they both lied they took my whole loan and twisted, they lied about not receiving payments, how can you miss 3 payment XXXX, XXXX XXXX, i sent proof in secure message about 20 times, in mail sever times, even sent XXXX  XXXX to corporate office to XXXX twice no they got it. but it not on my account these or something wrong no Bank allows this many mistakes on person mortgage account. my case manger was liar and it shame they lied to me at corporate office. i filled one but i have enough of the lies and them sending XXXX. this was over one payment i paid for it, i went to XXXX and back and still going lost everything because of Fraud i no i get letter of payments, i did this and that sick of it, look at the employees look how they handle accounts, like XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2020 I have communicated with Nissan Motor Acceptance Corporation about my situation due to loosing my job, then I lost my son 2 months later..and they still reprocessed my car as of XXXX..I ask them to give me more time, due to my circumstances, they dont care..after I told them I have another job now..just give me time, I had the car for 3 years.I even ask for a payment plan, they denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Information belongs to someone else

Complaint:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
I have filed three fraud dispute with trans union and also have tried to get the company XXXX to remove this from my credit because it does not belong to me and I am having no help from any of them. I do believe this belongs to someone because they made a payment but it is not mine.

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 2020-10-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX received an email from work that Asset acceptance was to garnish 25 % of my wages again, same thing happened in XXXX. I requested a hearing and filed at court a notice saying I made less than XXXX a week They canceled the process in a week or two. Now I get it again, went to court and did the same thing. I dont remember what year I asked for them to identify the debts and they never did. Some time between XXXX I do not know if this is legal. Non of that shows in my credit report. What to do? They will keep doing this every other year? They never mail me anything but they mail it to my job. 
The Final Judgment entered on XX/XX/XXXX in the amount of {$8100.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2019-08-18
Company: AMERICAN EXPRESS COMPANY
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:
I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXX XXXX XXXX

Amex

XXXX  XXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you

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 2020-05-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: CA
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:
The companies response is that I hired a credit repair company. I sent in the FTC reports and Equifax data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the Equifax data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the Equifax data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The stated number -- XXXX -- -has called numerous times daily. Always listed as unknown. Had to XXXX number to see who. XXXX lists as XXXX XXXX. Does not leave message, hangs up when answered and calls from XXXX XXXX  till XXXX XXXX. Calls under different numbers but always same results. Calls on weekends when their office is closed. Have told them to stop with no results.

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 2019-02-28
Company: ERC
State: CA
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:
Pulled my credit reports and saw an entry from ENHANCED RECOVERY that I was never notified about. 

Please see credit report regarding inserted entry. 

They have not been in compliance and this is a violation of the FCRA and the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CITIBANK, N.A.
State: NY
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:
I have had my Citi XXXX  XXXX Card for 3-4 years if not longer. At the beginning of the pandemic, I called Citi to see what programs they were offering to Americans in lieu of the pandemic. Around XXXX XXXX, Citi informed me there were no programs yet that had been put into place. They told me to call back daily since everything was continuously changing. Fair enough, so I did. I called back whenever my work and XXXX XXXX schedule allowed. Each phone call required at least me being on the phone for up to an hour. Finally, on my 3rd phone call near the end of XXXX, Citi told me they would allow delayed payments up to 30 days and would waive all late fees and penalties incurred. Citi proceeded to tell me that for better offers and more relief to call a 1-800 number which they provided. I called this number and had to wait over 2 hours only to be told that there was nothing Citi could do and they did not understand why their representatives were giving out this number. This was very discouraging. I took advantage, or thought I was, of Citis delayed 30-day payment offer. Once the 30 days was approaching, I decided to check my account via my phone app to find out that Citi had ONLY waived the late fee I would incur had my payment been considered late. They even showed a late charge being applied to my account and then Citi refunding the late charge, BUT my account continued to incur interest charges. This made absolutely no sense to me. How do you delay my payments but continue to charge interest? I had a stellar account history with Citi, so this struck me as odd and unhelpful whatsoever. Immediately, I called Citi inquiring about the delayed payment program they had offered. I asked how this program was even slightly beneficial if interest continued to accrue under their offer? Citi informed me that they had waived my late fees. Yes, late fees I would NEVER incur had I not taken advantage of their so-called offer. So, again, what benefit was there for me the consumer? NONE. Considering I have a low balance, Ive decided to pay the full balance in two payments, but what relief are these super rich companies providing the American public? And what government bailouts are they reaping? Yet they refuse to help their customers! I am very frustrated with the limited so-called help Citi is currently providing.

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 2020-05-19
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello to whom it may concern Im a customer of citi card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX  university XXXX Florida . Im a working class so I believe Im being discriminated against, then citi card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.

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 2020-05-19
Company: Netspend Corporation
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
NETSPEND sent me an unsolicited debit card in the mail which I received on XX/XX/2020 with my correct name and address on it. I tried to call without activating the account but the options weren't available on the phone numbers provided. There was no customer service number on the card. I tried the fraud number but it only gave options which included the card number or personal ID information. Anyone could have taken this card from the box and used it in my name. If there is no law for disallowing this behavior there should be. There should also be a customer service number on the card for anyone to use whether their service is agreed upon or not. I understand that if stolen, my identity could be vulnerable. Also, I am not sure how they know my last four letters of my social security number which they wanted me to use to verify my identity to obtain assistance on the phone. I proceeded to investigate on line actions I could take to prevent an unsolicited card strapping me with this additional protective action on my part to protect my finances and identity. I froze my credit and I am making this complaint. This has been about a day 's worth of effort on my part for receiving an unsolicited debit card in the mail.

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