BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX, stating that I owed an amount of {$480.00} for XXXX XXXX. While I did at one point have XXXX XXXX, I couldn't keep up with the amount that was being requested. When I signed up originally I was told the bill would be $ XXXX and it ended up being upwards of $ XXXX. At time of setup, the associated located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX told me that if I wanted to stop service I could do so at any time with no repercussions and the plan I signed up was not a contract. One of the reasons I signed up for XXXX XXXX was because they had tv commercials stating it was not a contract. When I received this letter, I promptly wrote them back ( via snail mail so I have paper records ) asking them to show me the contract because I had no idea why I was being taken to collections for a month-to-month plan. ( See XXXX and XXXX for examples. ) Furthermore, on every other month-to-month plan they turn your service off if you don't pay yet somehow the bill went up to {$480.00}, how does that make sense when I did not have service for any of the time that they're trying to collect.They wrote back, 23 days later, only supplying a bill from XXXX but no form of contract or anything requested. I have requested them remove it from my credit and told them multiple times that I did not sign a contract, and they are still refusing to do so. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have filed a FTC complaint against TSI for misrepresentation I have requested proper legal documentation from TRANS WORLD SYSTEM #  XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT. 
This is a fraudulent attempt to collect a debt that is being misrepresented on a unverified account with no verifiable account numbers, no date of late activities and several other FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a senior citizen and a little over a month and a half ago, I attended a little seminar by a XXXX. I paid out of pocket for the initial evaluation and brought my XXXX XXXX   with me. His name was XXXX XXXX. He made alot of claims and promises and I signed up for treatment for my XXXX. After six sessions, I found I was getting no relief and my problems with my XXXX were getting worse. I told the girl XXXX at the front desk that I did not want to be billed in advance of my sessions. Instead, through Care Credit, I was billed XXXX when I only saw this doctor six times and I paid for the initial visit out of pocket. In addition, this doctor said he would give one visit free for each visit. I called Care Credit and said I do not want this on my account. I never wanted to be billed for the full amount ahead of time. Care Credit my account ends in XXXX, said they would contact the provider. I said I got no relief and I received no detailed invoices from each visit showing what was billed to XXXX, etc. I requested this information more than once. Care Credit did not remove this {$4000.00} I am protesting. I checked today again and nothing was taken off as I asked. I called the XXXX  and they did not remedy this and never gave me copies of billings. I told them I do not want anything to do with their office after this issue. Again, Care Credit is billing me the full amount after I protested this. I need something done right away. I am very upset. They provided me no signed contract, nothing. I need something done right away.

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 monetary relief
Consumer complaint received 2018-10-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had recently heard that switching to a bi-weekly mortgage payment can help cut down interest on your mortgage by adding an additional payment each year. The earlier smaller payments would help reduce the amount of interest accruing as well if its not held until the original due date. 

I contacted PennyMac to change my mortgage payment to a bi-weekly payment. I was told I would have to pay my entire months mortgage up front before they would allow me to swap to a bi-weekly payment system. I payed my mortgage 15 days early and wanted my bi-weekly payments to go into effect starting on the XX/XX/XXXX for the upcoming month. I asked the agent specifically if the payments would be effective immediately or if they would be held in an account. I was told they would be effective from the time of payment and would not be held in an account. 

A few weeks later, I am reviewing my payments and see that my first bi-weekly payment has not been applied to any principal or interest. I contact PennyMac again on XX/XX/XXXX and I am told that the payments will be held until the total sum of the bi-weekly payments is equal to the total mortgage payment. I am also told that if I want to cancel bi-weekly payments I will need to pay the full months mortgage in advance again. 

That has put considerable financial hardship on myself and my family. I am simply trying to be a responsible consumer and pay back my debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a statement saying they are now servicing my home loan. I responded that I currently have 2 forclosure cases going on at same time. One from XXXX and 1 from XXXX for same exact thing and I do not acknowledge this dept. They responded with a package of " my loan documents '' and claim I do in fact owe them the debt. I decided to go through what they sent me page by page and compare it to the documents submitted in XXXX case and XXXX case. In XXXX papers a blank undated allonge appeared that was stamped by XXXX XXXX and a transfer of mortgage signed by XXXX XXXX. Both are known, prosecuted robot signers and document makers. But the entire package from shellpoint doesn't match anything. All the documents are fakes. All forged. Signatures arent even in same orders. XXXX # XXXX. Can mail copies if needed too many to upload. If they produce them you can compare to acris and bringing all copies to judge in XXXX supreme court on XX/XX/XXXX @ XXXX XXXX  rm XXXX doc. Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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: Their investigation did not fix an error on your report

Complaint:
Ive notified Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Equifax only sent me a credit report stating that the accounts were verified. The FCRA says that XXXX has to provide me with the information used to verify the accounts in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Equifax has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: MRS BPO, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law. 

Please pay attention to all the dates on my attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Navient Solutions, LLC.
State: WA
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 called Navient to inquire about late payments that were reported on my credit report as 90 days late in XX/XX/XXXX. It seemed off considering after I'd gone through a detailed record of my loan history ( from my Navient account ) and notice that I'd requested and was approved for a forbearance early in the fall of XXXX. While explaining this to the Navient representative, she looked at my account on her end, she could not explain nor support the reasoning as to why I was reported 90 days late on several loans that were in forbearance. I disputed this information with proof from documents obtain from the credit bureaus as well as documents obtain from Navient itself. Navient has fail to respond in a timely manner with a viable explanation and solution, while time continues to pass with incorrect information that continues to adversely hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: General Motors Financial Company, Inc.
State: NY
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:
In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
We filed BK XX/XX/XXXX. We listed three mortgages held by TD Bank. For five years plus they did nothing with these loans. Now, some five and a half years later, they decide to start foreclosing. ( Interestingly as the market place has improved ). 
I now receive demand letters from the attorneys at XXXX XXXX XXXX ( a XXXX law firm ) representing the bank. I have sheriffs knocking on my door at XXXX in the XXXX   delivering demand letters and notices. I've had complaints and threats of fines from municipalities for code compliance infractions ( primarily the XXXX, PA municipality ). I receive a barrage of mail ( as recently as this past weekend of XX/XX/XXXX ) from the bank and attorney claiming {$170.00}, XXXX is owed on these properties. 
The very first page in the BK filing under the heading " Creditors May Not Take Certain Actions '' it clearly states the creditor must refrain from arbitrarily contacting the debtor. They have been and are in violation of my rights availed me through my plan. 
TD Bank had five years to file the proper notifications during the BK period to acquire a relief of stay. They did not. Now, that is suits their financial needs, they desire to take the properties. 
I want the notices, the letters, the sheriff visits to stop! 
TD Bank and the Trustee in the BK didn't see any value in these properties when they were listed in the BK. Now, I don't think they should have the right to harass me for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After only nine months, Capitol One ended my 0 % interest promotion which was supposed to be for 12 months. I called 2 separate times and talked to agents in the XXXX XXXX to get it corrected. They told me many false and conflicting statements. Basically tried to brush me off. When I requested a customer agreement, which I received via online document, it had no verbage or statements about my 0 % interest promotion for 1 year, which they told me it would definitely have. But I read through it several times and it made no mention of it. 
On my second call I explained how the customer agreement was missing that important information and the representative XXXX from XXXX told me it should be there and that was the only written documentation I was ever going to get from Capitol One regarding my cardholder agreement. He told me his system showed 8 months ws the agreement, but he could not produce any written documentation to me what he claims he was seeing. He offered me no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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: Billing dispute for services

Complaint:
In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a po box for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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: Their investigation did not fix an error on your report

Complaint:
Ive notified Experian via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Experian only sent me a credit report stating that the accounts were verified. The FCRA says that Experian has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Experian has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove 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 non-monetary relief
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2019 my card was charged {$740.00} by XXXX XXXX XXXX  XXXX, which I've learned is a dinner cruise service in XXXX. I'm assuming the person that made the charge gave my contact information. I absolutely did not make this purchase. I originally tried contacting the company last year and they said they'll send the police to the IP address that made the purchase. I was looking forward to this as I was thinking it would help my resolution, however if the police came, they did not come to my address. After this I tried contacting the company a few months later and they made a ticket for my case but I never received anything from them after either to my personal email or in terms of a phone call. I originally filed a dispute with my Chase Credit card but they ruled against my favor. They asked for proof that I did not make the transaction but obviously I can not provide proof that I did not do something in terms of going on a cruise and making the transaction. This year, I have subsequently filed another dispute, where they came back asking for proof again, to which I did not have any. This again got ruled against my favor. I also tried reaching out to the XXXX  company but since COVID-19 getting in touch with them has been very difficult. This includes very long hold times and at first, not even taking custom service requests over the phone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).

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 2020-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been closed for over three years. It has per my credit report been charged off 32 times. It now shows open as of XXXX. The representative stated that a manager stated XXXX  would take care of this balance but is still saying it is owed. I have never been contacted from any other representative or third party. I also did not give authorization to send my information to 32 organizations/third party. This account has been closed and shown closed for over three years and as of XX/XX/2020 this company reopened my 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