BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls to me from American Express and I'm not the account holder. 

Two phone calls so far today ( XX/XX/XXXX ). Five phone calls yesterday ( XX/XX/XXXX ). Three Phone calls on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is a delinquent amount reported by XXXX, XXXX, and Transunion the company reporting the late payment is XXXX XXXX for the Month of XXXX 2022. I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.

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 2020-09-17
Company: Adler Wallach & Associates, 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:
On XX/XX/2020 - I was alerted through XXXX XXXX that AWA collections added a derogatory account. Upon further investigation- this account was sold and transferred. A bill without a written signature does NOT validate a debt. Per FCRA, AWA violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Century Debt Solutions 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:
Century Debt Solutions , Inc. called me about XXXX XXXX XXXX XXXX where they never installed a garage door and took my {$2400.00} deposit and never paid it back. Now the owner of XXXX XXXX contacted this corrupt collections company to go after the deposit they owe me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home mortgage was sold by XXXX XXXX to a company called Specialized Loan Servicing LLC on XX/XX/2018. To date we have not received any information or paperwork from Specialized Loan Servicing. Today is XX/XX/2018. Nor has any payment information been sent to us from SLS. I have called to set up payments and SLS will not even speak with me regarding this note which I have authorization to speak on.When I call SLS the call is picked up in a call center in which a person can hear many conversations going on in the background. In this day and age no person wants to speak about their home mortgage in such an atmosphere. I wis to know where I stand legally before we are called late with our payment.

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 2022-10-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 168i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : Account name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : Bank of America XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XX/XX/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 2021-05-02
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
unlawful credit card claims made by XXXX XXXX for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved XXXX XXXX engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were Plum Card, a business credit card for businesses with large cash flow an XXXX XXXX XXXX XXXX issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. XXXX XXXX own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show XXXX XXXX unlawful conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Someone stole my mail and got a check that was made out to me. They were able to cash or deposit it at a XXXX XXXX location using a fake signature and writing pay to the order of a person I do not know. XXXX XXXX and CFPB say I need to contact the Issuing bank. The check was issued by Bank of America. I would like to get the money back because this was a fraudulent transaction.

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 2017-09-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Fair Financial Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2019, I went to get my car to get to work. My vehicle had been repossessed without my knowledge. I called the leasing company and was informed that my vehicle was repossessed by the company for a delinquent balance owed. On Monday the XXXX of XXXX I spoke with XXXX a respresentative for Fair who collected a payment in the amount of {$340.00}. I also told him that I would be making an additional payment on Wednesday the XXXX, after the {$340.00} clears. He put the payment through and also mentioned to me that he would send the an email to the office in New York about the additional " miscellaneous '' to get it corrected. Never in this conversation did he mentioned to me that my car was in repo status. His statement was that this would put my account in 14days behind, giving me the couple of days to make the remaining payment, in the week which would total to {$570.00} for that week. It is now the XXXX of XXXX and my car is reported as repossessed. I spoke with a representative of Fair Inc., who after learning of what happened, transferred me to her Supervisor, XXXX. I explained the entire event to XXXX, and she had informed me that the payment that was made on Monday didn't post to their system, even though it cleared from my bank account. After hearing this, XXXX said that she'd call me back after looking into this matter. This was all at XXXX on XX/XX/XXXX. An hour and a half goes by, and around XXXX I call back. XXXX, a representative with Fair Inc. answers, and I share with him the story of what's happening. He emails his supervisor, XXXX who responds back to him to tell him that although they found that is was a misinformation and miscommunication on their end, there is nothing they can do. The result was that I am responsible for the fees that the towing company, the miscellaneous fees that have still not been looked into, and lastly the full payment on the vehicle which is what I've been paying on for the last two and a half years. This company has been poor in their role of accountability and I would NOT recommend ANYONE doing business with them, as the integrity lacks. I still wait for the call from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: Account Control Technology, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I spoke with a representative from Account Contol Technology in reference to my federal student loan. The amount I owed initially was {$1700.00}. I agreed to take a settlement amount of {$1200.00} on XX/XX/XXXX the agreement stated I had until XX/XX/2018 to pay the agreed upon amount. The following month my wages were garnished and have been since XX/XX/XXXX. I contacted my employer and was advised the amount to be garnished ( based on the paperwork received by Account Contol technologies ) was actually the full amount. I have since satisfied the agreed up amount and Account Control Texhnologies is refusing to issue a stop pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.

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 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to make an urgent deposit into my Capital One account at an ATM in the XXXX  store at XXXX XXXX XXXX, XXXX, MA XXXX in XX/XX/19 at XXXX because I needed this money to be available to cover a debt on the same day, but the machine swallowed my deposit of {$570.00} and returned me {$30.00} saying they were kneaded and simply after that it shut itself down by restarting the system without completing the deposit in my account and giving me any receipt. I contacted Capital One but the same just said that I could just open a claim and wait for at least 7 days for the answer being that I needed my money right away and being that it was a problem even filmed by the cameras from their machine shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Alco Collections, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/18 from Alco Collections, INC stating that I owed a debt of roughly {$2600.00}. The letter stated that I could dispute the debt within thirty days of receiving the letter. On XX/XX/18, I mailed a letter by certified mail disputing the debt owed. On XX/XX/18, I received an alert to my XXXX, XXXX, and XXXX credit reports that the debt from Alco Collections has been added to mine and my husband 's credit reports. Today is XX/XX/18, and I have not received any further information about the debt in question. I have the original copy of the initial notice of collection from Alco Collections, the copy of the receipts from the United States Post Office showing that I mailed a letter by certified mail, and a copy of the letter I mailed requesting Alco Collections to validate the debt in question. I will be more than happy to provide this information at a later date if deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I have an account with Venmo. They advertise that you can " get your paycheck up to two days early '' by using direct deposit to your Venmo account. I fell for this an allocated {$1300.00} of my pay to go directly to my venmo debit account. 

On XX/XX/21, I attempted to transfer these funds to my bank account using their instant transfer feature. The transfer was declined repeatedly and they suggested that I use their " regular transfer '' which takes " 1-3 business days ''. In effect, instead of getting my funds 2 days early, I would get my funds 3 days late. 

I then went to an ATM to withdraw money from my Venmo debit card. The daily limit is {$400.00}. It was declined by the card issuer ( per the message on the XXXX XXXX ATM screen ). Venmo still debited my account for these funds. 

I called the ATM operator and on the same day they sent the funds back to my Venmo account via the XXXX XXXX. Venmo has yet to credit my account with these funds. 

I have a ticket opened with XXXX XXXX ( though they have done their part ), and with Venmo ( I haven't heard from any human there ). I have used instant chat, email, and phone..with no success. 

I feel that Venmo is misleading in their advertising, and intentionally has no frontline support that can do anything but spout their " canned responses ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On XXXX  it is showing as closed, 100 % paid off, but no payment information ( Highest Balance = {$0.00} ) - XXXX  screen shot attached. 

I disputed with XXXX  on XX/XX/XXXX & XX/XX/XXXX ( via XX/XX/XXXX website ), details attached. I also disputed directly with XXXX  on XX/XX/XXXX ( details attached ). 

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal identity information was theft by someone and using it to get a credit card from Bank of America. The Bank of America failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the XXXX  credit union and the Bank of America. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with Bank of America 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from Bank of America and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.

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 2019-02-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

DYNAMIC RECOVERY SOLUTIONS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

DYNAMIC RECOVERY SOLUTIONS have used abusive, deceptive, and unfair debt collection practices.

DYNAMIC RECOVERY SOLUTIONS have violated my consumer right to privacy, I NEVER gave them any my information directly and DYNAMIC RECOVERY SOLUTIONS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the DYNAMIC RECOVERY SOLUTIONS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.

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