BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit 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 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Information from Capital One recently appeared on my credit file. This account is not owed. It reports as opened in XX/XX/2018. I recently opened a new account with Capital One this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
convergent outsourcing claim i owned XXXX XXXX XXXX and i spoke to XXXX and they said this is fraud and to report it this company cause my credit score to drop XXXX point unfairly.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Difficulty in communication with credit reporting agencies by telephone or online.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
With previous complaint Transunion removed fraudulent accounts but forgot to remove fraudulent inquires that were also listed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I informed TRS recovery services that they were attempting to collect on identity fraud and they responded by dunning me. At some point they also sent me an egregious letter demanding personal information such as my social security number, bank account numbers, etc. I ignored this request as unfounded, especially since it came after the notice from me. I can locate that document if necessary. 

In addition, they are back dating their letters to make it appear longer periods of time between responses. There are no postal XXXX on their envelops but they are sending by USPS. They are sending letters to my office at the name XXXX XXXX which does not exist. They did not include a suite number. The later letters was sent to XXXX XXXX still at my office. They don't even know who they are attempting to collect from! 

I am sending a second letter ( certified mail ) to them informing them of the identity theft. This was reported to all of the credit bureaus and I requested my accounts locked. 


Letter Dated Received XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ME TO XXXX Deny per Fraud XX/XX/XXXX FAX Proof of Delivery XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with SALLIE MAE, Account XXXX with SALLIE MAE. I am not responsible for any payments for this account. I do not have a loan or contract with SALLIE MAE or owe a debt to SALLIE MAE is attempting to collect a debt on the basis of fraud. This item was not being reported legally and lawfully. Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When Chase rolled out the Freedom Flex credit card, I called in customer care and asked for the difference between the XXXX cards as Freedom information is no longer published on the website. The representative told me nothing but a simple XXXX to XXXX XXXX transition. With this information I started using my Chase Freedom for restaurant purchase as Freedom Flex offered XXXX reward for that category. I checked my XX/XX/2022 statement and noticed I was not getting the bonus rewards. I called in customer care multiple times and was told Freedom does not qualify for the XXXX reward. I asked for a supervisor and the line got disconnected multiple times. I was misled by Chase as they remove Freedom card information online despite it being an active card and was told by their own people that terms are the same as Freedom Flex shows that Chase is misleading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Per the representative XXXX XXXX at Navient, the phone number XXXX belong to Navient 's department that services XXXX Loans. XXXX also confirmed that they have an Oregon address on file for me. It is known that Oregon is in the Pacific time zone. They knowingly called me at XXXX XXXX  on XX/XX/2020, which is unreasonable and violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had called repeatedly to XXXX well before our year ending with them to not continue service after XX/XX/XXXX. They continued and tried to charge us additionally for XX/XX/XXXXand XX/XX/XXXX. When I called in XX/XX/XXXX, I was told it will be at a zero balance. Now, I am receiving calls from Diversified Consultants for the collection of {$41.00}. I am trying to build my credit to buy a house in a few months. This lack of responsibility from XXXX to do as they had said inXX/XX/XXXX to clear the account is now effecting my credit. I would like this resolved and my credit unharmed to not create a chain reaction. If this will not be resolved I will have to take both to small claims court for harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA on XX/XX/XXXX via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a/ BANK OF AMERICA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA is now civilly liable to pay me for the damages caused.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-11-10
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My ex-wife and I had a co-signed credit card account with USAA. My ex-wife filed for chapter XXXX bankruptcy and the account was included in her bankruptcy. I was not a party to the bankruptcy and it should not affect my credit report. USAA stopped my automatic monthly payments without notice to me and deleted the account from their website so I was unable to view any status. Upon my noticing the account was missing from my view on their website, I called them and their customer service representatives were unable to process a payment via phone. It took XXXX hours over a series of phone calls before it was determined how it was possible for me to make payments. I have continued making payments monthly. USAA refuses to send me monthly statements and I have to call their bankruptcy department via phone to make sure my payments are received. The balance is now lower but USAA is reporting this account to the credit reporting agencies as a serious delinquency/missed payments with past due amount of the original balance that was included in my ex-spouse 's bankruptcy filing. I have disputed this status with all three credit reporting agencies, but USAA response is that the account is accurately reported. The bankruptcy department representatives that I have spoken with via phone say they can not help me and that I should pay for a lawyer to pursue this with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to try and collect a debt that they allege is mine without verifying and giving me the proper information that I am asking to verify that it is mine. I am requesting a invoice or some contract with my signature on it saying that I agreed to contract with their company. The continue to send me these statements which Is not showing me that I owe a debt or signed up to pay them. I have sent them 2 letters and they responded with a pack of statements. My second letter I have sent stating to either send me the correct verification information or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.

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 2019-05-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/19, I called Toyota Financial Services to bring my overdue account current. Although I had previously had a late fee waived, I requested it once more. The request was denied, which is understandable. I explained that I had attempted to sign up for auto-pay to avoid future derailments, but had not been able to properly complete the process. I'm writing this complain to bring to management 's attention to abhorrent way I was spoken to. The agent was so rude and condescending. I'm not going to type out my own pity story of why things have been a struggle lately. I feel that it's redundant -- everyone has a situation. What disturbed me was the agent 's accusatory tone, her rapid answers without listening, and her general demeanor over the phone. I want this complaint to be formal so that this agent can truly understand how she made me feel. I was made to feel so, so small. I immediately brought my account current, but was made to feel as if I had lied, as if I had committed a crime. Literally when all I called for was to make sure I paid what I owed. The agent 's ID id : # XXXX. I think she should be ashamed of herself. I hope management allows her to read this complaint. I hope she knows that she is the reason I will never be a Toyota customer again after this current lease is over. I do not ever want to be made to feel less than ever again. The shame she made me feel with her tone is not something I will quickly be able to forget.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017, we received notice that our loan servicer, Ocwen Loan Servicing, LLC,  was increasing our monthly mortgage payments from {$2700.00} to {$3500.00}. Ocwen stated it was as a result of a shortage in escrow payments from the original loan company, XXXX XXXX XXXX, due to ( 1 ) not funding the escrow fully at the beginning of the loan by {$1400.00} and ( 2 ) mischarging the amount to be charged monthly. As a result of these two failures, over a 12 month period, the escrow was shorted by {$8700.00}. With this XX/XX/XXXX notification we were given 14 days to begin the new payment which changed from {$2700.00} to {$3500.00} ( over a 25 % increase ). 

After contacting Ocwen, they refused to spread this shortage over a period longer than 60 months. We had to force them to find alternative solutions. 

Ocwen decided to contact XXXX XXXX   XXXX and were able to receive the missing escrow amount from the loan origination of {$1400.00}. They refused to acknowledge that they misreported the necessary amount of money to be charged each month. After much contact, Ocwen refused to match their amount and provided only {$500.00}. 

Our arguments are as such : XXXX XXXX failed to properly charge us monthly and therefore created our year-long deficiency. It has been very difficult to financially plan for a 25 % increase. 
Ocwen failed to identify the same problem at their purchase of our loan and continued to have us pay a cost that was not enough to cover the escrow. Then, they expected us to pay this 25 % increase in the mortgage within a short period of time.

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 2015-10-21
Company: Paypal Holdings, Inc
State: DE
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.

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