BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with 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 2022-11-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Experian about the theft of my Identity and that the items were never mine, the Credit Bureau never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the XXXX removed now! 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: Accscient, LLC
State: GA
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:
XXXX has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section

Company response to consumer: Untimely response
Consumer complaint received 2022-11-18
Company: BlockFi Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Blockfi is not following their terms and conditions by holding my crypto currency on the platform. Their over-leveraged and fraudulent practices has made me lose out on monetary gains and enjoyment of life. I was told my funds would be transferred by XX/XX/2022 and as of XX/XX/XXXX I have not heard anything about my transfer. There is absolutely no reason my crypto should be held up unless Blockfi is utilizing my funds in their own business without my consent or authorization. 

The bank sent out an email after I had already deposited my funds. It did not stop me from depositing but some how can stop transfers out. My trust in the banking system is in jeopardy as I dont see how Blockfi can continue to hold up my money with no regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Creditor never made contact, or attempted to give billing information so I could pay this debt. I never got a bill, was never told the account would go to collections, and the collection agency never provided information pretaining to the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are currently in the process of refinancing with another mortgage lender and requested on XXXX XXXX, 2015 to have our current mortgage company, Selene Finance, send a copy of the note to the new mortgage provider. We were advised it will take 7-10 business days. On the XXXX and XXXX business days, we were told that Selene had up to midnight on the XXXX day to send it and they would take the whole day. On the XXXX day, the note was still not sent so we called and were told that the XXXX previous employees we spoke to were incorrect and that it can take up to 30 days if not requested in writing as verbal requests are " put in a pile ''. We then spoke to a manager, XXXX, to complain that XXXX different Selene employees advised us incorrectly which is unacceptable. We were told that she would escalate it and would not promise anything as far as timing. We even had to ask her to call us with an update on the situation. Selene acquired our mortgage in XXXX 2015 and this is the XXXX issue we have had with the company in 7 months. Their Customer Service department is absolutely horrible ( not helpful, not trained, incompetent ), and I would advise anyone to stay away from this organization as there are PLENTY of other mortgage service providers who can provide you with better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: SIMM Associates, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I Noticed five unfamiliar charges pending on my bank acct, I Called Capital One at the time and their agent advised me I needed to wait for the transactions to post. 

On XXXX all transactions posted I called Capital One @ XXXX to file a claim. 

I attempted to dispute the following charges XXXX. XXXX ( website purchase ) {$580.00} - as of XX/XX/XXXX XXXX confirmed that this charge is no associated to my acct XXXX that Ive had for 16 years. They advised me to continue the dispute with my bank XXXX. XXXX XXXX ( Digital purchase ) {$37.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX ( Digital purchase ) {$33.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX com ( Debit Card Purchase ) {$1.00} - Cap1 Has returned this {$1.00}. 

Total amount {$650.00} I mentioned before there were five charges, the fifth being a {$40.00} from XXXX XXXX XXXX- this ended up being a legitimate charge which in my panic and upset over the charges I failed to realize that it was for a gas purchase I made at a XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX Capital One denied my claim for the following reasons : In regards to the XXXX charges Capital Ones agent asked me if I had an XXXX, I replied yes, and she said Ok that means you made the charges- I have the email from XXXX confirming I didnt make those charges. 

The second and third reason was that I used the card to purchase gas which meant I had the card and the other reason was that I attempted to dispute the gas charge. 

I disagreed and was told they would not reopen the dispute and the decision was final. 

I immediately reached out to both merchants and requested help. Now both XXXX and XXXX XXXX have noted my accounts that these charges are fraudulent. XXXX was great and they went ahead and refunded my acct. 

On XX/XX/XXXX approximately 72 days from my initial claim I got final word from XXXX / XXXX about their investigation I spoke with an agent named XXXX around XXXX, she confirmed the charge was not made to an acct owned or associated with me. 

I called Capital One at XXXX to dispute the charge. The current claim number is XXXX. 

Ultimately Id like the {$580.00} returned to me with out any further delays. When Opened my acct I trusted Capital one to protect my finances unfortunately that was not the case. I ask that you have them look at the information Ive provided, that they contact XXXX XXXX XXXX XXXX their mistake and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions 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:
The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that XXXX and Experian go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that XXXX preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by XXXX and Experian. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.

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 2022-11-18
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a short term pay day loan but the payment amount and the schedule of payments were not available for viewing until after I signed the documents and saw that {$500.00} dollars would be taken from my account every 2 weeks. I tried to call the company and email them but I am put on hold for over an hour each time. Every time I try to log into my account I have to request a password change. I can't continue with the payment and want to see if I can change the amount being withdrawn. I can not pay over {$1000.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a writ to garnish wages sent to my employer to garnish my wages for debt in the state of Virginia in the amount of {$6100.00}. I will start being garnished in two weeks. i have not lived in Virginia in 20 years. this does not show on my credit report and I have not made any contact with them or any contact from them.

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 2022-11-18
Company: Exeter Finance Corp.
State: CO
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:
This is XXXX XXXX and am reaching back out to you because, I received the response back that I recently received from your company. I was informed that Exeter finance was not the company that I was filing the complaint about.This statement that they have given you is completely false and I received correspondence back from them proving it is them .Clearly if I would have known what shady business practices they would be involved in, I would have found a different financial company.This company Exeter finance shouldnt even be in business, I have fully tried to get them to remove the late payment and they have not. I have tried getting supervisors on the phone and they tell me to send emails, which Ive done numerous times .This has accomplished nothing, Ive enclosed the email they have sent back to me proving that it is them .Please assist me in having this removed from my spotless credit profile as it is hindering all my future plans. 


Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NV
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:
I have inquiries on my report that I didnt do or have any knowledge of could you please delete this from my account. 


EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I hap applied for Chase Freedom credit card on XX/XX/2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why Chase Bank did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Reference my previous closed complaint against Chase and all of its affiliates that admitted they had been sending unsolicited mailings to my address. In their response dated XX/XX/21 they promised that in 90 days the mailings would stop. Today I received another harassing unsolicited offer from Chase to open a checking account. 

I want Chase and all of its affiliates banned from further solicitation with me. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was shifted from our debit card/bank account for PayPal purchases to PayPal credit without my knowledge. We were since charged late fees on a {$45.00} purchase ( which should have come directly out of our debit account ) for a total of {$110.00}. We are seeking to have all charges except the purchase price refunded.

Company response to consumer: Closed with monetary relief