BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX filed in public record a certificate of sale for the property they continue to report negatively as late/missed payments that public record shows it was sold back to the association two years ago. Date opened XX/XX/XXXX for a balance of {$10000.00} and an original balance of {$20000.00} for a 10 year loan. The status as of XX/XX/XXXX states open with {$9500.00} past due as of 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 non-monetary relief
Consumer complaint received 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I made a payment of {$320.00} on my credit card account. My credit limit is {$750.00}, and my balance is showing {$400.00} ; however, my credit limit is showing {$22.00}. I checked my account to see what was going on and I sent an email to see what was going on but never received a response. I contacted Capital One via telephone on XX/XX/2019 and was told that Capital One is holding the funds. Capital One has never held funds to my account in the past. Capital One has taken the funds from my bank account as of XX/XX/2019. Capital One has not notified me to explain why they have chosen to hold a payment in such a manner. This practice of holding funds for no reason is a shady practice. I far exceeded the minimum payment in an effort to get my credit balances down and Capital One is holding the funds, for what purpose? On my credit bureau accounts, it looks as though I am still using more of my credit than I am because it lists available credit. Capital One manages XXXX XXXX and it also fails to reflect the accurate information for my Capital One accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Original complaint filed XXXX. We continue to have issues with XXXX XXXX  collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is a response to a previous compliant response submitted on XX/XX/18 to credit collection services # XXXX This debt is not my debt and I don't own your company anything. No contract was never established with your company..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
American Express XXXX XXXX I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to XXXX XXXX Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Four Directions Lending LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX, XXXX received a {$1500.00} loan from this East Line Lending during a time where work was slow because of the pandemic. I was told I would not have an early off fee but the interest rate for the early pay off is higher for each day when you go to pay it off. I have paid this company well over {$1500.00} already and they are still trying to get me to pay more. They called my employer and stated they would be doing a garnishment and that I was aware of this. I have not received any court filings or any communication from East Line regarding a garnishment. When I spoke with East Line they told me I received something via email. I have searched my email and there is nothing in my email regarding a garnishment. I have asked for access to my contract and still don't have that. This company is taking advantage of people during the pandemic. I understand paying off my loan and within reasons but {$6000.00} or more for a {$1500.00} loan is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received numerous phone calls ( 15 USC 1692 c & d ) from Midland Funding regarding assumed debt on a positive balance ( 15 USC 1692 b 2 ). I submitted a final debt validation letter before contacting CFPB requesting a wide range of information as a consumer and only received the information they wanted to provide ( 15 USC 1692 g ). They have violated my reputation ( 15 USC 1681 ) as a consumer and I am demanding they zero out the balance on this account and deletions from all consumer reports. 

Served XX/XX/XXXX - XXXX XXXX  {$3500.00} Multiple verification letter sent, final debt validation letter sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX XXXX I sent {$160.00} to XXXX XXXX ( XXXX ) for two XXXX tickets that were posted for sale on XXXX. My understanding was that XXXX knows the identity of both parties and that everything is backed up by the banks. Mr XXXX also send me an invoice and I paid it. As soon as I transferred the money, XXXX disappeared, he cut off all communication with me and never heard from him again. I ended up getting tickets from another source and at half time I called chase trying to find a resolution to my situation. I was told that they could not help me out. That these transactions are not back up by their fraud protection and that I should only use this service with people I know ( family and friends ). That if anything I should reach out to my local police department and file a police report. 

They are giving thieves a golden opportunity to prey on the innocent. I dont understand why a company with so many transactions isnt doing anything to protect the customer. Or at least work with them to bring justice to the situation or identify these scammers in order to make this stop. 

To just give a blind eye to this problem is just ridiculous to me. If I had the power and the resources to make things right ( which XXXX and the banks partned with them do ) I would Until then - these criminals will continue to get away with stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper is my second mortgage on my house. I have sent them financials and request for mortgage assistance and I have had a hard time with them processing my request. The have declined my request and didn't give a reason for the denial, letter states I need to sale my home if I can't afford my home. I feel I'm being discriminated against because of my age and I'm a XXXX elderly man. Under the Consumer Protection or Flex modification the mortgage company is suppose to assist the homeowner with staying in their home. I don't want to lose my home to foreclosure. 
I'm on a fixed income and I can afford my home. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A medical billing company mistakenly sent a debt of {$290.00} I did not owe to a debt collector. The sent a notice informing the debt collector that I do not owe the debt on XX/XX/2020. On XX/XX/2020, the debt collector sent me a notice for collection of this debt anyway. Tried to contact the debt collector, but they did not answer their phone or have a voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: United PanAm Financial Corp.
State: CA
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 am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: CA
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 am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by XXXX XXXX XXXX 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 2019-02-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
experian shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

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 2018-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan was paid off, and Chase refunded me the overpaid funds. Chase is now issuing me a XXXX for those refunded monies. That refunded money is not subject to a XXXX  IRS report, since Chase did not pay me any of their money. Instead, they refunded my own money back to me, money I have already paid taxes on. This was all addressed on CFPB complaint # XXXX, and Chase had responded that they would issue me a XXXX-out amended IRS form XXXX. Instead, yesterday I received an amended XXXX  that still says I received {$550.00} from Chase. Again, that money was a refund of my own money from an over payment. XXXX XXXX is the last Executive Committee person I dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Lowe 's store credit card is managed by Synchrony Bank. They refuse to send me paper account statements by USPS, or an email, and then claim that I owe a {$25.00} late fee when my payment is not received by the due date. I have repeatedly notified them that they need to notify me when there is a balance due but they continue to ignore those requests.

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 2019-02-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Experian can claim to verify this alleged debt when the Collection Agency itself can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XX/XX/XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action. 

If you continue to list the disputed item on my credit report I will find it necessary to sue Experian for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely

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 2021-08-12
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:
Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP

Company response to consumer: Closed with explanation