BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
ARS ACCOUNT RESOLUTION Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before ARS ACCOUNT RESOLUTION S Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$660.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$660.00} Balance Updated XX/XX/XXXX This is a bill when i was involved in a car wreck all parties and my attorney involved in this was suppose to have this resolve have try numerous times contacting them This was not left up to my debt i have explain and talk to this bill collector they constantly gives me the run around and in direct numerous my attorney also should have reach out to them but they constantly reports it after speaking with XXXX she said due to privacy she couldnt provide her badge information that it should not be reporting after 2 years its still reporting to my credit as i owe they should have received they money from the other parties involved in the auto mobile accident

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 2019-06-10
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize the following accounts they are the result of identity theft. Please remove them. 
XXXX/XXXX XXXX- alleged amount owed= {$1100.00} XXXX XXXX XXXX/ XXXX XXXX- {$4100.00} Please review my attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$610.00} is the amount showed owed on my credit report as I am trying to repair my credit. I'm not aware of this debt and would like to receive a copy of original contract, signatures and bill with breakdowns of charges.

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: 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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There is also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2019-04-04
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make large payments on the account beyond the payment plan. When I do, and mark it for principal only, they ignore that and apply only a portion to principal and the rest to interest. 

I called twice and each time they basically said " tough luck, '' that's how they process it. They flatly refuse to apply all extra payments to principal only. 

But the problem is, if I am making a XXXX or XXXX payment in order to pay off the loan faster, they're charging me incorrect interest - more than they are entitled to under the terms of the loan. 

They're taking out interest on a loan that will take another thirty years to pay off, instead of a loan that takes less time to pay off, because I am paying it off faster. In other words, they are collecting more interest than they should. 

They refuse to apply the additional principal-only payments to principal only. They always apply some of that payment to interest based on the loan taking another thirty years to pay off, even though if they applied my additional principal-only payments, the loan would take less than thirty years to pay off. This is the equivalent of a mortgage company refusing to apply principal-only pre-payments on a thirty year mortgage and always taking a % of those payments for interest calculated on a thirty-year loan, regardless of how fast the loan is actually paid off. 

I have been paying down the loan for twenty years already!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
Toyota Motor Credit Corp Account # XXXX Date Reported Open : XX/XX/2014 This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX/ XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me.

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching
the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: ProCollect, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was damages to the apartment I used to live at. The bill was sent to a XXXX XXXX agency. I paid the Bill of {$1400.00}, XX/XX/XXXX. In XXXX of XXXX the account was sent to Procollect and they contacted me and said the bill was never paid. I sent them proof of payment, a receipt and my bank statement. Then they reported me to the credit bureaus after I sent proof of payment.

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 2019-05-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX And XXXX XXXX ( XXXX  ) issued the check to me for the services performed by XXXX XXXX. However, this check with {$2000.00} was mailed without requiring my signature. It was stolen by someone I didn't know at all and got cashed out. 
I called XXXX, as soon as I found out. The customer service refused to do anything else, but asked me to file the " Affidavit of Check Fraud by Payee Forged Endorsement '' with Wells Fargo. Then I filed the form and got the notary public in late XXXX, XXXX, and mailed it to Wells Fargo. I called the Wells Fargo a few times, and finally got the Case # XXXX. I was told the Bank was negotiating, and I had to wait. I didn't hear anything back from the bank, until I called again on XX/XX/XXXX. The Bank told me they closed out the case on XX/XX/XXXX, and didn't provide me any result, but only asked me to call insurance to reissue the check. 
Between this time period, both XXXX  XXXX  and I called the insurance company a few times, and the customer service always provided some misleading information, saying I need to file that fraud case, while I already did. So they obviously delayed the process. Finally XXXX  had someone connected with the Bank, but was told the Bank closed the ticket without any solution, just because the Bank didn't get the response from the other bank. 
The check issue date was XX/XX/XXXX, and I filed the fraud form on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount is incorrect. Also creditor aka XXXX should be aware of a medical hardship I am currently going through.

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 2021-08-09
Company: OUT TECH, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Their investigation did not fix an error on your report

Complaint:
I've contacted Equifax on numerous occasions to fix this problem but they keep insisting the information is accurate and have been verified by the collection agency. The 7 year drop off date differs from what is on my XXXX and XXXX credit reports. I believe they have re-aged these accounts for the sole purpose of prolonging the impact on my credit report. The accounts in question are : 1 ) XXXX XXXX XXXX XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX, 3 ) XXXX XXXXXXXX XXXX 4 ) XXXX 5 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely, and accurate dispute process. The Company is also failing to acknowledge and reply to my many inquiries and correspondences on this matter. Additionally, no one has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: JPMORGAN CHASE & CO.
State: AZ
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 a Chase customer since XXXX. I own 2 chase credit cards and I use the checking account to deposit my paychecks every two weeks since past 1 year now. I recently experienced major inconvenience from the Credit Card Fraud department and the Credit Card Dispute Department. 

Briefly summarizing my case, I booked a flight ticket on XX/XX/XXXX for {$1400.00} from my Chase Freedom Unlimited card..I was about to check-in for the flight on XX/XX/XXXX from XXXX to XXXX XXXX, when I get to know that the ticket was no longer valid as the transaction was cancelled by the bank. 

I went to my nearest Chase bank and the banker named XXXX XXXX tried helping me out with the problem by making a few calls. After being on the call for about 3 hours, we get to learn that someone from the fraud department marked the transaction as fraud and it was then cancelled. Firstly, I never reported the transaction as fraud and I didn't receive any message/call/notification about this from the bank, asking me whether I made the transaction or not. Secondly, I didn't even receive any refund back for 2 months until I called and asked them about it. There was no way for me to know about this incident, except the day before boarding the flight. I had no other option than to book another flight which of course was at a much higher price of {$2200.00}. 

So, after 3 months since I first booked the ticket and many long hours of back and forth calls between the 2 departments, I finally did get the {$1400.00} back as a refund, which I appreciate. But I really feel that none of this was my mistake as a transaction was cancelled without even my consent or letting me know in advance. So why should I be bearing a loss of {$800.00}? I don't think it's right to just cancel transactions from a card by marking them fraud without first talking to the customer about it. 

I e-mailed the same to the CEO, Mr. XXXX XXXX, on XX/XX/XXXX and received a call back from his department. After reviewing my case and going through the details, I was refused any compensation saying that the bank has the right to cancel any transaction they want, whenever they want. This makes me feel less reliable on Chase credit cards now and I feel it's not the right way to treat the customers. I already cancelled one of the card and stopped depositing my paychecks. Thanks to this unsatisfactory experience. I think more people should hear about my story and be more cautious before using Chase Cards for important transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-06-09
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Company Name : First National Bank of Omaha XXXX. XXXX XXXX, NE XXXX. 

Cr.Card Account No : XXXX. 

Complaint : I have been trying to log in on line to see my Account position and pay the amount. I can not log in instead of my ID and password I have been using for the past 60 months. As for paper statement, some time I receive it by mail, some time not. 

Solution I Want : I wanbeent easy access on line to my subject credit card Account as well as monthly paper statement by secure mail. 

XXXX XXXX XX/XX/2019.

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 2019-06-09
Company: Ad Astra Recovery Services Inc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is XXXX XXXX XXXX, ad Astra Recovery call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is XXXX XXXX and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am writing to complain about the Nissan Motor Acceptance Corp ( NMAC ) charge of {$1100.00} on my XXXX XXXX lease termination. My account number is XXXX. 
I am surprised that I am charged anything more than {$190.00}. 

We returned the XXXX XXXX under account XXXX to the XXXX XXXX dealership in great condition on XX/XX/2018 around 21k miles. This is way under the 36k miles contracted in the lease, and 2 months before the lease expired. We also gladly lease a new XXXX XXXX from the same dealer on that same day ( new account number XXXX ). 

We consulted with the dealer, before we returned the XXXX   and signed the new lease on the new XXXX, that the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges we received in mail is good even if we put the new lease on different members of my family as far as we validate that the names are all under the same address. 

We returned the car with its manual and every single part. It is hard to imagine that a car with 21k miles have excess wear & use of {$480.00}. We even put on a new tire for the car. Anyway, this amount should be covered by the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges. 

I was also told by the dealer that we do not have to worry about the Disposition Fee of {$390.00} since we leased a new XXXX from the same dealer again. As such, the only charges I can understand in the NMAC statement is the remaining payments of {$190.00}.

I kindly ask that NMAC correct the invoice promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted Experian several times to inform them that there is information from a company called XXXX XXXX  on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Experian is aware of this. This is aggravated identity theft.

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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Bank of America Credit Car was used in XXXX, to purchase a ticket. 

I been firing for this fraude, for over a year send Fax of prove that wasn't me, i send a screen shot of a XXXX receive and XXXX XXXX of my day in California the day of the purchase and they just send letter asking me for more information. 

I don't know what to do, is to much money and to much time fighting for this department, i already know all of them because its been a year of talking but i don't believe they could do something real to help me. i really need that money. 

I was never notify from the credit card department that my credit car was used in XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried contacting Hyundai Motor Finance multiple times to inquire about lease termination or lowering monthly payments due to financial hardship, and I have not been able to speak with anyone regarding this matter. Each time I call I speak with someone who informs me they need to transfer me to a different department. While I'm on hold for the transfer the phone call hangs up about 2-3. When I am given a direct line to call for the lease termination department, it just brings me to Hyundai Motor Finance 's main number. This is very frustrating because we need to address our account but can't seem to contact the people to help us.

Company response to consumer: Closed with explanation