BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In late XX/XX/XXXX, I called XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) to cancel my membership. I spoke to a male employee, who informed me that I can only cancel my membership if I speak with the manager. I called back within the next few days and spoke to a female manager, and requested to cancel my membership. She verbally informed me that my cancellation had been verified. The next few months I noticed that I still got charged for my membership so I called back on XX/XX/XXXX and spoke to XXXX XXXX, who is the general manager of this location. He acknowledged my problem and informed me that I need to email him to cancel, which I did immediately after. So, although 2 employees informed me that my initial phone call cancellation was standard procedure, my membership was not cancelled until XX/XX/XXXX several months after I was told my membership had been canceled. Now, XXXX is sending Radius Global Solutions LLC to collect a debt of {$60.00}. I called Radius Global Solutions ( XX/XX/XXXX), whose representative informed me that only XXXX  can waive this erroneous debt. So then I called XXXX when I received this mail XX/XX/XXXX, and asked XXXX XXXX why this was happening and how it could be resolved. He rudely informed me ( yelling, interrupting, etc. ) that there was absolutely nothing to be done, because the only written proof of my cancellation is dated XX/XX/XXXX, and it is the corporate policy that cancellations may only be done by email. He refused to acknowledge that the employees whom he manages and supervises and is therefore responsible for, did not know of and did not uphold/follow their own company policies. He repeatedly claimed that there was absolutely nothing he could do, and that he had no authority to waive a debt. Then, I called XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), who told me that the general manager of each club has sole authority/ability to waive a debt if they chose to do so. I called back to XXXX XXXX XXXX  to speak to XXXX XXXX. He again repeatedly claimed that there was nothing he had any power to do, which is contrary to corporate policy. He redirected me to XXXX XXXX, who is his supervisor at XXXX - XXXX XXXX XXXX. I called and XXXX was not there. This company has falsely charged me because their employees do not know their own policies. I have taken every appropriate measure to my own knowledge to cancel my membership, and was told by XXXX employees over the phone that my membership had been cancelled. As such, this debt is invalid. Now trying to resolve this invalid debt, this company has wasted my time by being rude, unprofessional, ignorant to their own policies. Ultimately, this company has failed to resolve their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
National credit adjuster reporting account Im not aware of Ive wrote letters multiple times no one has responded back and my credit profile has been compromised multiple times this year and over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
i have asked a 3 bureaus to fix the inaccurate info on my credit reports last 3 months i have submitted claims about the XXXX XXXX credit card account on my file it is still being reported as a charge off of {$90.00} and it is showing paid and that i still owe. 

my account became late due to XXXX and i requested it be closed the card issuer did not and i became sick and XXXX and the late just kepted adding on i contacted XXXX XXXX and paid balance they said i owed they said it would be corrected on there end..

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 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Number ( XXXX ) ( XXXX ) ( XXXX ) U S DEPT OF EDXXXX The above creditor has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  Data Breach/ Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over

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 2021-07-06
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint has to do with Hyundai Moor Finance I was sure to obtain correct lease buy-out quote, mailing address and properly filled out odometer statement. It was sent via certified mail on XX/XX/XXXX. 

Money was then withdrawn from my account on XX/XX/XXXX and odometer statement appeared to be in the completed stage under my account. 

When I reached out to customer service numerous times, I was always told that odometer statement was not attached to my account and theres a need to send another one. Which I did via direct email, secure email and fax on multiple occasions just to be told, another copy is needed and this is causing a delay. Its very frustrating dealing with customer service who are clearly not tracking previous customer communication and provide different reasons each time I call. It also doesnt help that each time we speak a period of 5-10 days is needed for my records to be updated. 

I was finally reassured that odometer statement is on file and no further documentation is required a full month later. However, when I reach out to see if title is in the mail I am being told that no progress has been made as its in the hands of titles department. I understand normal processing time is allowed but I should at least have an idea of when I can expect it. Customer service has no information to help and was told theres nothing they can do. 

This is beyond unreasonable. I paid for the car. There was no issue taking money from my bank account. This title belongs to me and you have no legal right to hold it XXXX or provide basic customer service to a client. 

for reference HMF account # 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 2021-07-12
Company: ROSS MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently under contract with a date to close of XXXX XX/XX/2021. I have already had a preapproval and all other overlays or requirements taken care of with significant documentation provided to get a clear to close. Realizing that the appraiser may not make it out in time to do the secondary appraisal after all required items were fixed, we had filed for an extension until XX/XX/XXXX. As my realtor sends the signed document to the loan officer, it has come to our attention that the loan officer and her entire team had been fired without any notice to any veterans that were working with this loan officer and their team. This information was discovered on XXXX the XXXX. After 24 hours had elapsed from this information, I received a denial of credit based upon false pretenses considering I had already been pre-approved without adding any additional obligations to my credit or debt to income ratio while I was looking for a home or under contract. I had reached out to the loan officer that was working on my file to look for answers. The loan officer alerted me that the company had denied my loan based on the pretenses of her separation of employment with this company. With the additional information that I am not the only veteran that this has happened to since her departure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency. 

After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision. 
Thank you If you need I have a list the all phone call numbers, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: FirstCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In early XXXX I received a letter from First Collect dated for XX/XX/XXXX. It was a debt collection notice. There were 4 accounts listed as past due for a total of {$1000.00}. On XX/XX/XXXX I sent a certified letter for debt validation to First Collect. On XX/XX/XXXX I received a response from First Collect. It was another past due account notice, but only two accounts were listed for a total of {$520.00}. The letter stated that they have suggested that their client take legal action against me. They have failed to provide enough information to validate that this debt is mine and I am suggesting that they cease collection on this debt if they can not provide evidence that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2021-07-06
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry was made without my consent

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-07-06
Company: Midwestern Health Management INC
State: IA
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 paid the account, in full, to Nothwest Financial for {$300.00}, on XX/XX/21. It still shows on my Credit Report as an open collection account. I have disputed this issue with XXXX XXXX and they say it is verified as accurate. I have the confirmation number, XXXX, showing that this was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ACIMA CREDIT, LLC
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid the company off back in XXXX XXXX XXXX I contacted the company to try to resolve the issue the customer service agent told me I still owed the money because I had missed a payment because they sent the check back because it was misspelled. I stated there is now way I owe you over {$900.00} for missing 1 payment and you also would not have waited 6 months to try to collect you money if i still owed you. They are still taking money out of my account. They have taken over {$150.00} plus overdrafts fees I paid the balance off from the information. I got the payoff amount from their customer service agent. They waited 6 months to start taking money out of my account again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
AXXXX XXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXX IN - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, TransUnion and Also XXXX and they refuse to remove them from 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the " Platinum Card '' on XX/XX/2022 and was denied because of a cancellation of my " Delta SkyMiles Gold American Card '' account ending in XXXX. Both of these results were adverse actions whereas the consumer I have the right to reject their decisions. This is my last time trying to resolve this issue before i seek litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the months of XXXX & XXXX of XXXX  CB Indigo Mastercard 's payment portal was not working properly. I tried to contact them via phone but there was no way to get a live person during this time and the recording referred me back to the website ( which wasn't working properly ). I submitted my payment multiple times after the website showed the payment as received then the next day showing it was due again, then late ( which it wouldn't have been had their system been working properly ). I've been a long time customer and never had a late payment on their card. This late notice due to their system errors should not be held against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a past due balance with Sallie Mae however I have been making {$200.00} a month payments. Sallie Mae is still calling me every day and also emailing me. That is abuse. I cant give Sallie Mae any more money than I have. Everyone has been affected by the coronavirus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief