BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Sunset Solutions Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I've spoken to several different representatives in an effort to have my contact information removed from their records. I do not have uncollected debts and all my active credit accounts are either paid in full or have ridiculously low balances at the moment. I was informed that I can show up for court and request for my information to be removed. I have received not written legal documentation regarding any legal complaints or court filings. I finally requested their contact information : SUNSET SOLUTIONS GROUP LLC, XXXX XXXX ATTORNEY AT LAW, XXXX. I was not provided with a mailing address, but was given a phone number to have legal representatives contact them XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX the credit card was used to post a fraud check, from where I have no idea. Then once paid they began to charge it back up. The check seemed to clear prior to it being ran up again. 

I do n't remember exactly when they told me that a check from a payment bounced, i 'm sure it was not just a few days, more like a month or so later. I know it only takes a few days to a week for a check to clear and the person that cashes it would know if it did bounce. 

Once it " bounced '' they cut off ALL my credit cards, which put me into a bit of a financial problem. I need to use the cards because my pay for my jobs was delayed for more than 30 days often. 
I had 3 cards with them and if there was a problem with one account it should not have effected the others. I kept telling them I did n't do those things. They said it did n't matter. I just kept trying to pay them, some time with a late charge but ot 30 days late.

XX/XX/XXXX they posted the " bad '' check back onto my account and I called them and they said they opened a fraud case, but never got back to me. I tried calling them several times. I finally gave up and opened a case with the BBB, Capital one came back and said they would not doing anything about my issue. which is why I 'm reaching out to you. I have a log of activity, the BBB compliant info. I will provide you with everything I have. 

I have since XXXX-XXXX only making partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Mercedes Benz Financial Services
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX financial took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance seperately. 
I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 usc 1692 ( e ) Take Notice that Pursuant to 15 usc 1692 ( a ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you XXXX XXXX XXXX XXXX XXXX XXXX, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 usc 1692 ( a ) as any natural person allegedly obligated to pay any debt. 
Take further notice that I am the true creditor Pursuant to 15 usc 1692 ( a ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal charged me transaction fee. In XXXX separate transactions today ( Wednesday, XX/XX/2022 ), one for {$20.00} and another for {$120.00}, there are fees charged. but in the PayPal website, the fee is waived if sent from bank account and that's what I did. Apparently I received the fees because I had selected the transaction as a Goods and Services. This is a new feature. Awhile back, there was no Goods and Services. The main problem is the website used Goods and Services selection as the default and there's no clear instruction to the consumer that they need to change it to Send as a Friend in order to not get charged with a fee. I shouldn't have been charged with the fees because the transactions went to a XXXX XXXX and from a XXXX XXXX not to and from another country. Per the website, fee is waived for a bank to bank transaction within the US. The website user interface is clearly using the default in order to intentionally charge consumers ( the user ) a transaction fee. This is not user-friendly for consumers. The website should default to None and mark the box as red in order for the consumer to be reminded to select the proper transaction type like Send to a Friend, especially if the user is trying to avoid paying any fees, before the user can continue with the transaction ( XXXX ). PayPal rep on the phone also said she was going to email me in order to get a refund for the fees. I have never received her email, so that's not a good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Conn XXXX Inc. has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Conn XXXX IncXXXX XXXX must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
The site " XXXX '' is a self service debt collection platform. It is owned and/or affiliated by Fidelity Capital Holdings , Inc ; Fidelity Information Corporation and other corporate obfuscations. I received a " Collection Notice '' as initiated by the " Creditor '' ( XXXX XXXX ) dated XXXX XXXX, 2017. The letter was generated by using the " XXXX '' website that allows virtually ANYONE to report a consumer debt, in any amount. The letterhead of the Notice states the company name " Fidelity Information Corporation ''. This creditor using this Debt Collection agency 's online site by a means of extorting or " ruin my credit '' and is being allowed willfully by the Debt Collection Company. There is NO oversight for consumers by this website. Virtually ANYONE and WITHOUT a court ordered judgment or social security number, can make grotesque claims of debt owed and impair a consumer credit report and score. This creditor is demanding I remove an online review or " suffer '' credit consequences at an amount that is severely overstated. It is outlandish and should be in violation of the law. The CFPB has yet to provide ANY oversight to Debt Collectors that allow anyone ( John Q Public ) for a fee, report ANY debt amounts, including fictitious, that is ONLY validated by the any creditor ( individuals, businesses, anyone ) that can be used to perpetrate extortion! This is no oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - attempted to place credit freeze on experian account. Received a reply to provide information to verify identity. XX/XX/XXXX - attempted to upload ( XXXX ) the information that they requested, and there system will not accept the information. I have frozen my report with XXXX and XXXX XXXX with out any problems This company is very difficult to deal with, and you cant talk to anyone

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 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : CAPITAL ONE XXXX XXXX : CAPITAL ONE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: LA
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:
I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. Transunion removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} XXXX XXXX XXXX has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.

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 2022-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
This complaint is for Credit Acceptance XXXX west XXXX XXXX. XXXX, MI XXXX. 
I have acquired and satisfied an installment loan. My credit report is showing a 120 days late payment, which was not the case, I mailed the payment via mail and I guess it took the company some time to process the payment. The company agreed to have this inaccurate information removed but it is still reflecting or showing on my report 6 months later.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.

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 2017-07-28
Company: Account Control Bureau
State: LA
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:
Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. 
XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and XXXX letters has been sent to them and it has been more than 30 days and they have not sent anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions 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:
After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.

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 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) bank of America on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report

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