BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: DEPENDABLE CREDIT CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.

Company response to consumer: Closed
Consumer complaint received 2021-04-05
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over the past week, I have been contacted by two different companies claiming that I owe Check-n-Go money for a past due loan. I was first contacted by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, and she said that she was offering me a deal to pay back a loan with Check n go for {$500.00} back in XXXX. She said the debt has accrued to {$2100.00}, willing to settle for {$810.00}, then she went down to {$610.00}, then she said if we settle today, then the number is {$500.00}. I did not do anything. Then this morning, I get a call from XXXX XXXX, XXXX, same story about Check-n-go, this time much more threatening and demanding, and the lady was rude, and hung up on me. So, I call Check-n-go corporate office, 3 different times, to ask if they show any records for me taking out a loan and not paying it back? Everytime I had someone check, they don't even have me in their system, so there's no way to see if these callers are accurate with their information. If Check-n-go doesn't even have me in their system, then how could any of this lawsuit be true? It can't be. I asked Check-n-go if I settled a debt would I be in the system, and they said yes absolutley ... they checked my last four numbers of my social security along with my name, and nothing came up for them. Why is this happening to me? If these collection agencies can't deliver me any documentation for this debt, isn't that a red flag? I asked them, and they gave me every excuse in the book as to why they couldn't discuss the " details of this case '' ... I don't want this to effect my credit or have a judgment placed on me, what can I do to stop this and check on them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Allied International Credit Corp., (US)
State: NC
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 received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Regarding my online banking. I log into my account and it consistently does not recognize my password. I become locked out on a regular basis in which case I am directed to reset. The reset window does not open but rather, rolls round and round. I have to phone the bank. Long wait on the phone to get someone to reset my password. so I can never get into my account This bank is pushing mobile banking which I do not use. 
In addition, this bank will not lock or unlock my debit card at my request unless I phone in. I had unexpected need of road service while I was out and I could not use my Citizens debit card because I could not get through to them at all. I have another debit card from another bank and I can go online and quickly lock or unlock my card. 
I got to log in using two different browsers and after I type in my login and username I get a window that says I can't get access to my money when I need it. I can't go online when I need to. I would close the account but I have a stack of blank checks that I use to pay local merchants who do not take visa. I am not going to throw them away and waste hard earned money because of this bank. 
I have probably 20 institutions that I use for online access, from banks to investments to insurance, medical, school, shopping, hobbies, on and on. I have all my log ins in a book because we should never use the same one for all our financial and personal accounts. I never have a problem logging to anything except this bank. 
If you go into my information on this bank you will see a history of password changes. i have enclosed a screen shot. 
In addition i get an error message that my browser can not open the webpage. I have enclosed a screen shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Home Loan Center, Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2016. Went on LendingTree.com website to research a possible auto loan refinance and selected option to " View my rates '' - entered information on the website, did not give my full social security or consent to have credit pulled. My information was forwarded to various third parties who pulled my credit without my consent and I now have XXXX new hard inquiries, affecting my credit scores. These unknown companies are calling me non-stop

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 
2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. 


Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Schachter Portnoy, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: U.S. Collections West, Inc.
State: CO
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 have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a CA EDD customer. I filed a claim in XX/XX/XXXX. I started getting money deposited onto a Bank of America Debit card. On 2 dates in XX/XX/XXXX : XX/XX/XXXX in SF CA {$200.00} and XX/XX/XXXX in SF, {$1000.00} from a savemart. Also 2 dates in XXXX XX/XX/XXXX XXXX, CA {$1000.00} and XX/XX/XXXX in XXXX XXXX CA, from a XXXX XXXX ATM, {$100.00}. These transactions were not mine. I called EDD and BofA and reported the fraud, Com code is XXXX. Claim number is XXXX. EDD froze my account as did BofA. EDD unfroze my account in a few days. I now get paper checks from the EDD. BofA tried to blame EDD for the account being frozen, just today my account is unfrozen, yet it will take up to 45 day for the " research Dept '' to research and then possibly make a decision. Enough! I have spoken to hundreds of CSR and supervisors, they can't do anything! I have filed a police report, # XXXX by XXXX XXXX. XXXX Co. XXXX 's office. The amount of my claim is {$2300.00}. The bank claims to have a " zero liability '' fraud policy. XXXX, it is a Zero Accountability policy for BofA. Please help me get my money back.

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 2015-06-29
Company: Credit Central Holdings, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Columbia Recovery Group LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX i went to XXXX. XXXX in XXXX XXXX for service of my XXXX XXXX XXXX XXXX  originally leased from XXXX. XXXX. 
Brake  and Oil service is performed same day and p aid {$500.00} as agreed. 
After returning home to XXXX XXXX ( 120 miles each way!!! ) Warning Light come up ' INCORRECT OIL LEVEL-STOP THE VEHICLE " I called XXXX immediately to report problem. I was inform that is probably computer glitch and is going to go away. It DID NOT. Problem persisted and after calling XXXX. XXXX NUMEROUS times with No luck and leaving messages to service Manager XXXX XXXX with few apologetic text messages back I called XXXX XXXX in XXXX XXXX and, after I was advised Not XXXXo drive the car, I book first available appointment on XX/XX/XXXX. 
Overfill of Oil was diagnosed and Oil service performed by XXXX XXXX Again. 
Since Covid -19 situation and luck of technician in XXXX XXXX of SD my car was in a service for 15 days!!! 
CAR THAT I'M PAYING {$1600.00} A MONTH LEASE to Very same XXXX. XXXX. 

After that I contacted XXXX. XXXX more than XXXX times via phone, text and Email but even after XXXX XXXX from XXXX XXXX XXXX XXXX contacted them and CONFIRM that Oil service performed XX/XX/XXXX by XXXX. XXXX was INCORRECT and need to be performed Again - XXXX DID NOT OFFER ANY RESOLUTION. 
After Disputing Portion of the Charges related with Oil change ( {$250.00} ) with Chase, CHASE Bank sided with XXXX. XXXX and declined my dispute even thou I PROVIDE MANY PROOFS and WITNESS that service was NOT provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IN
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 filed a dispute with the credit bureaus ' XXXX, Equifax and XXXX  on XXXX and have not received any response from any of the companies they have violated my rights as a consumer under the FCRA 15 usc 1681 they have violated my privacy and have furnished accounts without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: DISCOVER BANK
State: AR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several federal violations pursuant under 15 U.S. Code 1692 were committed by Portfolio Recovery Associates, LLC dating XX/XX/XXXX through XX/XX/XXXX. I never gave consent for Portfolio Recovery Associates, LLC to communicate or contract with me. As a federally protected consumer, I requested valid proof of the alleged obligation several times and never received said validation. In XXXX of XXXX, Portfolio Recovery Associates, LLC reported this alleged debt to XXXX, XXXX  and XXXX  consumer reporting agencies violating my federally protected rights as a consumer pursuant to 15 U.S. Code 1692 and wreaked havoc to my credit status. I filed complaints with XXXX XXXX XXXX of XXXX XXXX XXXX, State of North Carolina Dept. of Justice, and Commonwealth of Virginia Office of Consumer Affairs. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating that they filed a Universal Data Form electronically requesting that the three consumer reporting agencies update PRA 's trade line for alleged account on my credit reports. On XX/XX/XXXX the debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices from the federally protected consumer seeking monetary relief pursuant to 15 U.S. Code 1692k. I'd like closure to my requested remedy according to damages sustained and regulated under 15 U.S. Code 1692. There is no statute of limitation for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: TX
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 these companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-04-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian claims to have verified this account in which in my opinion they have not because this account has been settled and paid. The open date is incorrect. Experian is the only credit agency that is still reflecting this account incorrectly. 


Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$1000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA On record until XX/XX/XXXX Credit limit or original amount {$1000.00} High balance {$1000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 
Account history XXXX XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXXr OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX 2018

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