BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: MT
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 XXXX I received a text message from this company stating that their aftermarket GPS tracking device had been " tampered with '' I brought it to their shop of choice and the shop found that there was a blown fuse most likely caused by poor installation on XXXX XXXX XXXX end. They repaired the fuse and noted they would need to remove the device and reinstall it correctly. XXXX XXXX ignored this advice, a couple months later this exact fuse blew again. I was out of town at the time and received a message that if it wasn't at the repair shop of their choosing by end of the next day they would come repossess the vehicle. 2 hours later they were in my driveway taking the vehicle. This was not a legal repossession, the loan was never delinquent. It was a void of contract due to their faulty aftermarket electrical equipment. I would like the repossession remark removed from my account as it is incorrect. I have all text message correspondence with this company as well as security camera footage of them taking the car 2 hours after contact.

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 2022-10-25
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
ALLY AUTO HAS MALICIOUSLY AND FRAUDULENTLY CLAIMED THEY HAVE A CLAIM ON MY PROPERTY BUT HAS CONSISTENTLY FAILED TO PROVIDE LEGAL EVIDENCE OF OWNERSHIP OF THEIR CLAIM.  

SHOW ME WHERE "ALLY" IS FIRST PARTY TO THE CONTRACT THEY PROVIDED!

PLEASE REVIEW ALL PAGES IN THE 553-OK-ARB-e RETAIL INSTALLMENT SALE CONTRACT  AND PROVE WHERE ALLY IS REAL PARTY THE CONTRACTUAL AGREEMENT.  THIS HAS BEEN ALLOWED ENTIRELY TOO LONG!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I purchased a product with a visa credit card from the bank Banco Popular de Puerto Rico ( " BPPR '' ). I was offered a promotion that said that I could pay the purchased product in a term of 1 year without interests. I called BPPR prior to making the purchase to confirm that this offer was valid ; they confirmed. I purchased the product for {$3500.00} with the BPPR visa. 

On XXXX I made several payments totaling {$3300.00} to my credit card expecting them to be allocated to my general balance that was not subject to the offer. BPPR allocated the {$3300.00} to the {$3500.00} purchase that was made with the offer. Therefore, the remaining balance on my credit card began generating interests. 

Note that since I have this credit card with BPPR I have a firm and constant pattern of always paying my monthly balances full. It is important to me that my credit card does not generate interests. 

Since XXXX, I have filed 4 claims with BPPR and have not received adequate response. The call center personnel verbally informed me that the 4 claims were adjudicated in my favor and that the {$3300.00} were allocated to the offer. However, my statement account does not reflect this. The XXXX Statement Account provides that only {$800.00} from my balance are subject to the offer. The remaining balance is generating interest. I am currently filing a 5th claim with BPPR. 

This is unfair, burdensome, extremely time consuming and detrimental to my finances. BPPR has an obligation by law to allocate the payments to the highest interest generating balance and not only did it violate that responsibility, it has not acted to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Upgrade, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/22 I applied for a personal line of credit through Upgrade for XXXX. I was discriminated against by Upgrade as they sent me an adverse letter. I have included a copy of that letter in this complaint. The Equal Opportunity Credit Act 15 USC 1691 states that it is unlawful to deny me credit when I came in good faith and exercised my right by completing the application. 15 USC 1602 ( f ) states The term credit is my right and that I can not be denied a right. There are also violations that were committed which I have attached in the letter that I am submitting with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ZARVAD III S.A.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On the morning of XX/XX/XXXX, XXXX XXXX contacted me by phone stating she was calling from XXXX representing mypaydayloan.com on a loan taken out in XXXX for XXXX. She stated that I would have a warrant and subpoena sent to my employer for garnishment of wages and that I would have to show up in court and that she would be reporting this information to the credit bureaus and check companies. She also stated that the post office told her that there were certified letters sent to my address over the last few years to which I told her that I never received any letter. I notified her that this company filed a claim in my bankruptcy case to which she stated that this was a crime and considered a bad check and can not be included in a bankruptcy. I hung up on her and contacted the post office in XXXX TN to inquire about the certified letters to which the supervisor told me this was not true. I also reached out to mypaydayloan.com to find out what was going on to which the agent told me he saw the emails back in XXXX where the collections XXXX XXXX got the case info, attorney, etc from me to file the case. He also informed me that the collection agency to contact was XXXX XXXX XXXX  to which ara is a third party of them, but could not tell me why my case went to collections after the bankruptcy case information was provided to them. The information was given to them in XXXX of XXXX but turned to collections in XXXX of XXXX. I called XXXX XXXX and was told the account should have never been turned to collections and should have been categorized as bankruptcy. The rep XXXX XXXX has threatened me with garnishment, a subpoena, a lawsuit, credit reporting. She did not state that she was attempting to collect a debt at no time whatso ever during the call. I asked her numerous times if she could provide me with something in writing to which she would not do although I asked. She did not try to help me figure out what was going on or try to resolve. She just threw out mediation, garnishments, etc. She also would not give me a case number. The people I spoke with was XXXX, a supervisor at mypaydayloan.com ( XXXX, Supervisor at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ext XXXX. I have a transcription of XXXX XXXX 's voicemails as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: FL
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:
Equifax is killing me. I have been trying to work on my credit to purchase a home and Equifax keeps doing investigations on files that aren't mine and verifying them. After this complaint, I am filing a lawsuit as well. I had to make this complaint first. If they don't take these errors off my report we are going to court. I am getting seriously hurt trying to purchase a property. 
Also, I have had an experience with a Credit Repair Agency through all of this. XXXX XXXX has been paid exorbitant fees of over {$3000.00} and is still trying to debt collect from me. They are relentless in trying to hurt me as well. 
Can You Help Me Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A certified letter was sent to NCB MANAGEMENT SERVICES INCORPORATED on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX XXXX  ; displaying their Violations of Fair Credit Reporting Acts. NCB MANAGEMENT SERVICES INCORPORATED has ignored the complaint, failed to respond, and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. Nevertheless, responded with a frivolous response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: DAS Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I answered a phone call at XXXX on XX/XX/XXXX, the person on the phone identified himself as XXXX XXXX XXXX He told me that I was being sued and that they were unsuccessful in serving me a court order. When I asked him what I was being sued for, he told me he was unable to tell me and that I needed to call the attorney that was suing me. I did not have a pen to take down the phone # to call at that exact moment, so he called back and left a message with a phone number XXXX, a case # XXXX and the attorney 's name, XXXX XXXX, and said that he was placing my account on a temporary hold to " avoid any legal issues or concerns. '' After retrieving the message, I immediately called the number and provided them with the case number. I was transferred to a woman who identified herself as a paralegal. She then proceeded to try to get me to identify myself again and I told her, " I already gave you that information why are you asking me for that information again? '' She then proceeded to state my name and social security number. And said that I was being sued and that my wages were going to be garnished. I stopped her and asked her what I was being sued for. She stated that XXXX was suing me for an amount in excess of {$44000.00}, to which I told her that she has the wrong person and that that the debt is not mine. I told her to send me the paperwork proving I owe this amount, and she kept stating that she needed me to confirm my social security number to confirm that I owed the debt. I kept telling her that this debt was not mine and she said that they were filing a document to garnish my wages. I recently checked my credit report and there are NO delinquent accounts on my credit report and I have no idea what she was talking about but apparently I'm being sued and my wages will be garnished soon. I called back because I realized, I had no idea what company this was, and I was told the name of the company is DAS ( Direct Answering Solutions ). I could not find any information regarding this company via a XXXX search or the attorney XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Its a lot inquiries on my credit report that shouldnt be on there also from a apartment complex that I didnt live in, these are not my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have received a notification of a debt owed to Pay pall by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from Pay Pall about this before. This is very odd that they took six years to initiate this action. According to XXXX, the last payment l made to Pay Pall was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact Pay Pall directly but they are not accepting calls at this moment. The Debt Collector is XXXX XXXX XXXX XXXX. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that Pay Pall would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 I didn't receive my Direct deposit from the DOL. I contacted cashapp support and they said its not on their end which is impossible. I later visited social media to see if anyone else was experiencing this issue. Several people also didn't receive their direct deposit on XX/XX/22. Once the issue was raised on XXXX and XXXX Cashapp advised that we contact the issuer of the direct deposit to resend the direct deposit. I called the DOL XX/XX/22 and they saw no issues on their end and said that they can't resend it because it was successfully sent already. I was suppose to get XXXX deposited on Monday XX/XX/22 it's already 2 days now and if it failed like Cashapp claims the DOL would have clearly been able to see that in their system and would reissue it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Bank purchased my mortgage. I am receiving spam e-mails daily that do not have an option to unsubscribe. I have called to directly request removal from their e-mail list but they can't seem to figure out how to remove me. I am done wasting my time on hold trying to get this figured out. Banks with such poor service should not be in business.

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 2022-10-25
Company: DISCOVER BANK
State: NJ
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:
Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself.

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MS
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:
XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
XXXX. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to XXXX and Equifax. 
XXXX. I have requested the following from Equifax and XXXX and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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 XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Resurgent Capital Services L.P.
State: CA
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:
On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX XXXX XXXX LVNV I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX Midland Funding XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from loan depot to Mr. cooper in spring of last year. Somehow my escrow account billed monthly increased dramatically as soon as Mr. Cooper started billimg my in the newly purchased loan. I have called in several times requesting an escow account balance sheet to find out why my monthly payments has went from XXXX a month to XXXX a month. Taxes and insurnace have not increased in the amount my escrow balance has. I have multiple emails and recorded phone calls trying to get answers. I have voluntarily delayed my payments to the bank until i have some clarification on what is being billed. I cant get anyone within the company to get back with me and dont have time to spin wheels to figure out what the mistakes are on THEIR end. I have now paid this absurd increase for 5 months straight and I am drawing the line until i get answers. Outside of hiring a lawyer and suing this new mortgage company, I dont know what else to do

Company response to consumer: Closed with explanation