BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DRS IS REPORTING ERRONEOUS COLLECTIONS ON MY CREDIT REPORT BACK FROM XXXX AND IS FAILING TO RESPOND AND/OR VALIDATE ACCURACY AND OTHER DETAILS OF THESE ACCOUNTS AND THEIR CONNECTION OR RIGHT TO COLLECT ON THE BEHALF OF THE ORIGINAL CREDITOR WHOM I DO NOT RECOGNIZE.. DRS Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX DRS Account number XXXX Recent balance {$300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: IL
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:
There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Avant Credit Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt is past statute for collections. XXXX XXXX. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 
XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Acoount XXXX XXXX XXXX I was Never Late these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone.XXXX XXXX XXXX on XXXX The XXXX XXXX on XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on 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 2021-01-27
Company: JPMORGAN CHASE & CO.
State: AZ
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:
My Chase Freedom card includes an extended warranty program through XXXX for purchase that are outside of manufacturer warranty coverage. I had purchased a XXXX television from XXXX XXXX XXXX on XX/XX/XXXX using this card. 

Last year, the television set stopped working. As the manufacturer warranty had expired, I registered a warranty claim with XXXX, through their website XXXX. However, they informed me that they require that the unit is taken to an authorized service center and diagnosed prior to paying out on the claim. This is an impossible criteria to meet, because XXXX does not have any authorized service centers in the US. I contacted XXXX directly, and on XX/XX/XXXX sent Chase/XXXX a copy of my written correspondence confirming this. Non-authorized repair centers were likewise also not an option, as all the local repair centers I contacted informed me they will not service XXXX sets. 

After first requesting that I send them a copy of my correspondence with XXXX to resolve the claim, they are again requesting for a diagnostic from an authorized service center. It has been 106 days and counting since I first initiated the claim, and their policy is to automatically close claims after six months. I believe they are stalling for time until the eligibility window closes so they don't have to pay out on the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: Specialized Loan Servicing Holdings LLC
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: Personal information incorrect

Complaint:
The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. 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 2018-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
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:
My balance due was {$850.00} and my minimum payment was {$19.00} due on XX/XX/XXXX. I had previously initiated a balance transfer, but in the meantime had paid {$19.00} to insure no late fees would be assessed. I also made two individual purchases ( {$15.00} and {$5.00} ) so as to hopefully have no balance. Two days later, the bank USAA received the balance transfer of {$850.00}. This actually resulted in me owing XXXX cents. I attempted to pay this balance on the XXXX of XXXX -before the closing date on my account. The system would NOT let me pay the remaining amount of XXXX cents. 
I called USAA on XX/XX/XXXX once again trying to pay the XXXX cents it said I owed. the representative could not help me. The representative suggested I go buy something in order to pay the balance ... this was NOT my goal. 
One day later, XX/XX/XXXX, I noticed a charge of {$16.00} has been added to my account. I called USAA to get clarification. 
They said it was because I still had a balance on my account and the interest was calculated on a daily amount. 
I am at my wits end with talking to USAA because from a consumer perspective if a bank says the statement balance is a specific amount, it leads a consumer to believe if they pay the entire statement balance then the account will have no balance!!!!!! 
This apparently is not true. I'm not understanding WHY, if I made every attempt to pay the entire balance, would I still be charged the interest. It's like double dipping. You pay the entire balance, but the bank still assesses you interest. If that is the case, then the billing statement needs to have an addendum " Even if you pay the entire amount due on or before the due date, interest has NOT been applied to the balance on your statement, and you will still be required to pay interest ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
After reviewing my denial, i attempted to contact finance co to get a reason why since it was based on false information. I was repeatedly forced to select options with automated person and no way able to request anything from them. I tried to call XXXX  but no one would answer my call..they repeat automated person and lead me to buy something. I dont know where the company got the false info and XXXX score shud not be denied. I verified thru other two bureaus i have only three inquiries but the co say i have 12. I have very low balances but the company claims my balances are too high. How can under {$200.00} balance be too high on a {$5000.00} or {$10000.00} available. Mortage and two credit cards almost paid off.

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 2021-04-30
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Initially leases car for 3 years, at the end of lease decided to purchase around XXXX and was offered 6 % apr. After months of back and forth company stated no longer able to initiate car purchase via email/mail and had to go to an XXXX dealership that in turn said over 17 % apr around XXXX of XXXX with 1st payment due in XXXX of XXXX. I made a {$8000.00}. payment prior to XXXX due date to pay down principal. Around the end of XX/XX/XXXX received call from XXXX who offered a pandemic relief for 12 months, I accepted. In XXXX of XXXX I made another payment of $ XXXX payment towards the principal in anticipation of the the restart of loan. However, when I contacted Audi financial and was advised of around a XXXX balance payofff. The original amount of loan was around XXXX subtracting the amount to have been applied to principal the loan amount shall be around XXXX. I contacted Audi for clarification, Audi has applied all payments to the interest on loan nothing was applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations

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 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The  harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my XXXX   XXXX showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.

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 2021-04-25
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the weekend of XX/XX/2021 I deposited about {$500.00} into Binance.US 's app to purchase and trade XXXX. So far, I have made almost 200-300 % profit.. yet when I attempted to withdraw my money or XXXX, send it to another XXXX XXXX  exchange for another coin on their platform ... my trading shows up as blocked " due to risk management. '' According to their responses to others on their XXXX XXXX this usually happens in the case of suspicious activity on the account.. however, not only have I completed their advanced verification process that took about a week, I also had never used their platform before this. So I don't understand how my account would be suspicious. 

As of today, my trading has remained blocked for about 2-3 weeks and my XXXX is still in their app and I can not move it out. 

I posted my issue twice to their XXXX Others got their issue addressed within the same day, yet I have had no one get back to me after going through their support email and their company 's XXXX page. It's almost been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter in the mail from XXXX XXXX XXXX claiming I owed them {$1000.00}. I called XXXX because I don't recall taking all XXXX of my children to the hospital. When I called them they attempted to collect the said amount, I told the gentleman on the phone that I needed him to validate the debt before we discuss anything else. He told me that I should just call my insurance company and see what they have and haven't paid. That seemed like it would take forever so I asked that he just send me the documentation that would validate it. He was starting to get snippy as if he didn't want to help me figure out what the charges were or if the account was even mine. He finally agreed to send the documentation I requested. Later that week I received so called statements from XXXX  that they claimed to have gotten from the original owner of the debt. ALL 3 of these statements were addressed to my XXXXyo daughter, not only that. In the original collection letter they state that all XXXX of my children healed a balance but when I got the statements they only showed my XXXXyo. I believe these statements to be forged and inaccurate. I also never gave out permission for my children 's medical record to be released either.

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 2019-11-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I set up a automatic payment with Navient, they picked the date that the payment would take place. They then charged me late fees because the payments were made after my due date. I asked them to refund the fees and they were not willing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I emailed the president of CapitalOne on XX/XX/2021 regarding a unauthorized closed account. This is the second account CapitalOne has closed on me. I tried to resolve this matter with CapitalOne and no one has reached back out. Now they are reporting high credit utilization, continues to added and charge interest on a card they closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK-COLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full

Company response to consumer: Closed with explanation