BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: DISCOVER BANK
State: NY
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:
Starting early spring XX/XX/XXXX, XXXX started to send me renewal pops ups on my computer to buy their software protection plan. I declined numerous times, I had no intension of renewing & had another provider. XX/XX/XXXX I received a renewal notice from XXXX - Not to worry they renewed my subscription, they had my card on file?? Really, I did not authorize this.. I immediately looked at my Discover account and realized they actually charged my account over {$110.00}! I immediately notified DISCOVER and opened a dispute. DISCOVER closed the dispute in favor of XXXX twice because XXXX had my information on file and therefore it must be true and I am the liar. On XX/XX/XXXX I contacted XXXX, they agreed I did not renew nor solicit them for renewal. Regardless they made several attempts to solicit my business with unwanted pop ups and threats of computer viruses, etc.. I did not sign up, I DECLINED ... several times. I feel violated by XXXX, they stole out my pocket and I am upset with DISCOVER as they allowed XXXX to do so based on their very poor standard of proof. It was up to me to prove " with documentation '' I did not authorize, how am I supposed to provide documentation when I never created any documentation or approved a purchase? 
XXXX is sending me what they call a refund check for the full amount, it will take 3 weeks, we shall see. I have all emails from them as " confirmation '' .. 
I am upset with DISCOVER - allowing a transaction to stand that was not authorized. DISCOVER did not handle this properly. DISCOVER employee 's in both dispute & billing were just like.. '' oh well, they had you information, that's good enough to make it a valid charge ''. 
As it relates to services over the internet and specifically ones that take liberties to renew without authorization to do so. I asked DISCOVER why didn't you ask them what date I approved or gave them approval? They would have had a hard time providing that as they didn't not get one.. DISCOVER replied, " Good Question..we 'll make note of that for the future! '' ... really???? 
DISCOVER then advised me my dispute is closed, so am I to assume XXXX can charge they XXXX out of my account because they have some old information on file??. It's unfair to any consumer to be dealt with this way by any merchant or credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Collins & Hilton Asset Group, LLC
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: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter with return receipt to Collins Asset Group in XX/XX/2018 upon noticing that this company had begun reporting this entry on my credit reports. In my initial request to this company, I requested that they provide the date this alleged debt became payable, the original delinquency date as well as a complete accounting of the alleged account. In the letter I received from this 3rd party collection company was a mere dunning letter. This company never sent me a dunning letter nor have I ever received any communication from them regarding this alleged debt. By Collins Asset Group not allowing me 30 days to respond to dispute the validity of the account entry, is a blatant violation of my consumer rights. 

Further, if this company is able to provide a document that bore signatures and is a contract, why is the contract not listed as an RIC? Where is the copy of the contract proving I entered into an agreement with Collins Asset Group? Where is the proof or dunning letter that they should have sent me prior to inserting this account on my credit reports negligently? This account is inaccurate, unverifiable and erroneous and should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I financed a XXXX  XXXX XXXX XXXX XXXX for my son in XX/XX/2018. He purchased a TX Tag which is a prepaid toll tag to allow you to drive on any and all toll roads in the entire state of Texas provided by the Texas Department of Transportation. Upon receipt of the tag, it had been registered to the temporary license plate from the dealership for the vehicle and my son states that he contacted Tx Tag to update to plate but it was never done, however Tx Tag disputes this and says they have no record. Either way, the tag was still mounted on the windshield of the physical car and able to be scanned as driving through the toll plazas. Over the course of a few months, XXXX ( XXXX XXXX XXXX XXXX XXXX ) accumulated an immense amount of toll violations stating that their system determined that the TxTag was not registered to the vehicle it was mounted on, although the Year, Make and Model all matched, simply not the new permanent license plate. We never received the first invoices from XXXX before going to collections to pay for these before they added the administrative fees and collections fees with Linebarger, Goggan, Blair and Sampson. Now they are saying that if we don't pay over $ XXXX they will place a hold on my ability to register any vehicle in TX and I won't be able to renew my driver 's license when in reality it was an error on Tx Tag 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from SYNCB/XXXX, I cant say this more emphatically, I have never had a SYNCB/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-06-29
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I discontinued my XXXX  XXXX XXXX  service by phone and paid the final bill. Received mail notification of amount due on XX/XX/XXXX of {$150.00}. See attached bill. I called and spoke to several people including the manager about the added 'cancellation amount of XXXX ( early termination ). I was not under contract. The contract expired XX/XX/XXXX. I've returned all equipment ( no dispute ). I do not owe them this amount because I was not under contract. XXXX XXXX has now employed a debt collection agency 'Credence Resource Management ' XXXX who has began calling me. I explained the same statement above to them. XXXX XXXX  is fraudulent to impose this early termination fee. I was a good customer for more than 2.5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One has verified the debt on a account from 10 years ago was fraud and not mine. I keep calling in about it and they say its nothing they can do. They removed it from my report. However they sued me while I was in XXXX on XXXX XXXX in XXXX XXXX county. I was XXXX and could not even defend myself. It has been on my public record for almost 10 years and I keep calling with their reps being rude. This is totally unfair, I was in XXXX XXXX county XXXX XXXX XXXX on a XXXX XXXX XXXX. That card or account was not mine, yet capital one wont do anything to clear my name from the legal system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$740.00}. I ask that this be removed once and for all.

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 2020-06-30
Company: COMMERCE BANK
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
There was not an appropriate box to check so picked the ones I did. Two things, I have reached out to Commerce bank in regard to my loan asking for specific information and they have not responded. 

Today I received a notice in the mail notifying me they had purchased auto insurance on my behalf. I already have insurance and they are listed with the provider AND they sent no prior notices about this. Just went ahead and charged for the insurance. 

This company has proved to take whatever action they wish, whenever they wish without regard for the the consumer. There utter lack of communication is against ethical business practices and I would like this issue noted and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
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:
On XX/XX/2020, I submitted a dispute to XXXX  with evidence, proving Citibank accounts ending in " XXXX '' & " XXXX '' were paid in full. Citibank responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted XXXX, and requested for these receipts to be re-presented again to Citibank. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted XXXX  several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe XXXX  has thoroughly investigated because proof of receipt or paid in full status was provided twice. XXXX  has refused to have a conference call with Citibank, therefore, I did not have a choice but to file a compliant.

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 2019-09-12
Company: Service Finance Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We were approached by a solar panel company and moved forward with having the panels put on our home. It has been a disaster from the beginning and the finance company ( whom this complaint is about ) has recently raised our percentage rate to 17.99 % with a {$990.00} per month pay due. We never agreed to this nor did we sign a contract agreeing to it. They have a contract that shows an electronic signature that is something we have never seen. It is a forged document. I have tried to reach the company about it and they are unresponsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Issues with Capital One account number ending in XXXX. Received a letter form them stating that they have enrolled me in their Specialty Assistance Program for the next 3 months. Letter was received on XX/XX/2019. Got a call from them on I believe on XXXX the XXXX or XXXX asking if I was going to make my payment. I informed the person on the phone that I can make it now. The payment that I was allow to make was {$50.00} a month due to being in the program. When I told the person on the phone of the amount she said that that was not correct and that I would have to make the standard minimum payment of {$120.00} I told her that I have an agreement and she told me that she doesn't see any letter in the system. I clearly have the letter in my hand and tried to explain it to her. I feel Capital One is not fulfilling their agreement to me and now they are effecting my credit due to the fact they don't have the communication that I clearly have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted XXXX XXXX XXXX, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted XXXX XXXX XXXX  to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.

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 2018-06-13
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was a particular situation that I broke the lease due to rats being infested in the apartment and the AC continuously breaking and flooding my apartment. I ended up filing it under my bankrupcy when I went on to a XXXX 's XXXX   situation and I could not make the arrangement payment of XXXX per apartment for current month owed. I'm not sure why they sent the bankruptcy attorney and amount of XXXX. And on these records indicate XXXX. I have attempted to call the apartments numerous times as well as I spoke to the collection agency and they said it has been wrote off. However it's not showing that it shows open.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: TN
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:
For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.

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 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

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 2019-09-12
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

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 2018-06-13
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/XXXX, I mailed a XX/XX/XXXX mortgage payment using the XX/XX/XXXX coupon of my current mortgage servicing company, PHH Mortgage. After coming home from vacation, I found in my mail a second payment coupon for XX/XX/XXXX from another servicing company, XXXX XXXX. My servicing had been transferred. I did get a notice about this earlier, but missed the effective date of after XX/XX/XXXX, so I erroneously paid the first company because that was the only coupon I had at the time. My check to the first company ( PHH ) had not cleared by XX/XX/XXXX, so I was worried and called them. Their voice message said my account was transferred and I had to call the new company ( XXXX ), which I did, but the new servicer said they had not gotten anything from the old servicer ( PHH ) so I have to call the old servicer back. PHH 's customer service rep said they had no record of the payment. They said when they got the check they would either send the money to the XXXX or refund it to me. I just have to wait. This seems contradictory to their notice ( attached ) that says : " The last day PHH Mortgage will accept a payment from you is XX/XX/XXXX. '' I am worried when they will ever find my check in their system for my closed account if they say they haven't got it yet, since it's been a few weeks they sure should have gotten it by now. So I said how about if I put a stop payment on the check I wrote to them, and send a new check to XXXX for the XXXX payment. The PHH rep told me I am not allowed to stop the check and they will charge me a penalty for insufficient funds if I do that. They suggested I pay my mortgage twice -- the previous check to PHH plus write a new check to XXXX, then wait for PHH to process the first check. Or I could just wait until whenever PHH processes my check ( which they should have already gotten based on the dates, very worrisome ), to see if they pay XXXX the XX/XX/XXXX payment, or if they refund the money it to me. But I don't want to be late with the XXXX payment. So am I stuck paying double mortgage for XX/XX/XXXX? Do I have any other options to get this corrected? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Automated payment for XXXX Car insurance in the amount of XXXX was cleared and I made a transfer from savings account to checking a account to cover the cost. Despite my actions to prevent an overdraft fee, the bank charged me regardless. Upon contacting the bank to resolve issue, they agreed that I was getting charged overdraft for a transaction that I shouldnt be charged for. Nonetheless the bank refuses to reverse overdraft fee because my account is ineligible for overdraft reversal regardless of the fact the fact that I took the necessary actions in good time to prevent the fee.

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 2020-05-10
Company: R.M. Galicia, 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: Problem with personal statement of dispute

Complaint:
I recently pulled my credit report and saw that Progressive Management placed a collection account on my credit report for $ XXXX {$10000.00}. I disputed and asked them to provide some type of proof that I owe this debt. I request copy of the original contract showing my signature, when the original account was opened, copy of any identification submitted when applying. None of that was provided, instead they asked me to send my social security card, copy of my identification and asked me to lrove that I don't owe it. I don't know who they are or what this is so I refuse to send my personal items to a company I don't know. They reported to my credit report fraudulently and the burden of proof is on the to show that I actually owe this. If not, they should delete which they didn't. Its now affecting me getting an apartment and may result in me being homeless during a pandemic. Please ask them to submit a full verification with contract and proof I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation