BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Sensible Auto Lending, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle with Sensible Auto as the finance company. I was given an online account for which I view my account, billing statements, etc. My payments were to be bi-weekly and after 2 billing cycles eligible for monthly payments ( which I was ok with ). I made 2 payments XX/XX/2022 and XX/XX/2022. After making those payments the system reflected I did not have another payment due until XX/XX/2022. The section where future payments due was missing from my account and the only section visible or accessible was the receipts, Home Screen which includes a link for payments and due dates. I was delighted as I thought maybe in putting the deal together there was a break in payment or what have you. I receive a call from a representative on Monday XX/XX/2022 asking about a missed payment. I verified my account and went on to explain to the gentlemen the account stated I didnt have another payment due until XX/XX/2022 which he agreed was correct. I then asked why he is questioning a missed payment when there was none due according to the account and he said he agreed with what the account is showing but I owed the payment. I asked him if he could show me within my account I missed a payment I would be willing to listen but as he stated before he couldnt so it went back and forth like this for a minute or two and we parted ways. 
Today XX/XX/2022 I receive a call from Sensible Auto and pressed 1 for a representative and was sent to voicemail. I called back 15 minutes later and was connected to a representative who verified all of my information. We again went over the SAME EXACT information and again went back and forth. No explanation as to why my account had no future payments as it did in the past and why the payment date still reflects XX/XX/2022. After a heated exchange or two he could not give me a definitive answer ( he gave me four or five different excuses for why it COULD BE ) but not explaining why I should pay {$210.00} that my account doesnt reflect me owing! He then kept asking me to email me documentation. Which I have NEVER received a bill via email nor a request to speak with them via email. I asked why this documentation wasnt made available to me prior to today or at the very LEAST Monday when I was first contacted by another representative. Again no response. I declined to accept the email and have not opened the email sent by Sensible Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Pinnacle Credit Services, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Pinnacle Financial Services purchased zombie debt for an old collections account and reported it on my credit report with an incorrect date so it looks newer than what it is. I sent a letter stating : XXXX XXXX, XXXXPinnacle Credit ServicesXXXX XXXX, MN XXXXXXXXRe : Alleged XXXX XXXX accountTo Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$980.00} debt. According to the information I have, the date of last activity by the original creditor was XX/XX/XXXX. The State of Limitations on this alleged debt, even should it be ours, is XXXX years in the state of Indiana. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 

They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Wa Mu gave me a loan of XXXX and a second of XXXX. I put down XXXX cash. I was led to believe this was a good mortgage. It was not until I went to refi ( my loan is 6 per cent interest only ) that I found out it is not XXXX XXXX or XXXX XXXX. Chase bought out Wa Mus loans but they refuse to re fi me. This is not only unfair, it should be illegal. I am XXXX year old XXXX vet and I need refi badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While I was disputing charges on my final invoice with XXXX XXXX XXXX XXXX, the collection company Enhanced Recovery Company , LLC, ( ERC ) added the XXXX XXXX XXXX account as unpaid with all 3 credit reporting agencies. I never received any documents, invoices, or any contact from ERC regarding the mentioned account. Additionally, I was in the process of resolving the issue with XXXX XXXX XXXX directly. I never received any documents from ERC to dispute this account, which they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened an account in my name with Chase bank and XXXX XXXX  and I didnt authorize or know of it being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo reposessed our vehicle in XXXX. When I sent a complaint to them about violating the SCRA, they denied getting my husbands XXXX for the XXXX. They also denied repossessing the vehicle. They sent me the original loan information, which clearly states the original payment was {$510.00} at 16.95 % interest rate ( they bought our loan from another bank in XXXX ). After fighting with them to lower the interest rate because we bought the car before enlistment, they finally lowered the interest rate and the payment became {$420.00}. They are saying they had no idea of deployment when in fact they did because in order to lower the payment, I needed to fax them his orders. They are refusing to send statements stating the changes interest rate, even though the payment is drastically different than the original loan states. They also claim they did not repossess the vehicle. They charged off a {$13000.00} vehicle loan, and they are claiming that they did not also take it. My husband should have been protected from this. They are trying to obscure the facts and as a consumer, we ca n't get into the files. They can easily say that they did n't reposess it but the facts are we no longer had the car in our possession in early XXXX. If they are doing this to my husband, I am sure they are doing this to other soldiers who are unaware of what happened to 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 2016-02-16
Company: Pinnacle Credit Services, LLC
State: MD
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:
Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC. 
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made. 


Thank you CFPB In advance 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 2022-04-13
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX . The car, a XXXX XXXX XXXX, was financed with BridgecrestXXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. BridecrestXXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. BridgecrestXXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found BridecrestXXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted BridgecrestXXXX and was told the check from XXXX XXXX had a stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by BridgecrestXXXX on XX/XX/XXXX. XXXX XXXX provided me and BridgecrestXXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

BridgecrestXXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: NC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-04-14
Company: Paypal Holdings, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, i have an account with venmo and on XX/XX/XXXX they froze my account which is the ONLY money i have access too, i have a sick daughter with no health insurance and i am currently homeless and not working they froze my account due to an unpaid debt that was from ANOTHER venmo account i previously had that was supposed to have been closed OVER 2 years ago, because of someone stealing all of my card and account information when i had lost my items! Not only was the account not closed i still am being held responsible i just took that and told them the only way i was going to be able to pay that even though its not my responsibility but they would have to just take it from my current account, i didnt get a response in the beginning then when i did i was GUARANTEED that the freeze would be lifted the very next day! And here i am still with no money or anything! Please please help me i cant get my childs pampers her milk i am a single mother please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2016-06-20
Company: Comerica
State: VT
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I I XXXX XXXX have a direct express debit XXXX card from Comericia Bank. I could n't find my card on XX/XX/2016 so I called direct express to cancel it but I could n't get through there phone kept saying they were busy and hung up a welfare worker also called she could n't get through either we called my balance went from XXXX $ to XXXX $ to XXXX $ because I could n't cancell it. They would n't tell me where the transactions took place how much said they send a paper in the mail never got it still. So I got paper from then that say if I file them out and they revived then by the 10 Bussniss day my card will get a provisanry credit for what I was disputing. I sent hard copy 's faced several copy 's here XXXX I faxed attached. The tenth day I called and they said first they did n't have my papered second they did they had all the faxes too I have q XXXX worker as a witness she was taking with me n directs express they had it all read the transaction amounts to us said my card would have money by XXXX XXXX. I called later that day to see if I had money yet and nothing so I asked when this other women says never. They closed your case I said why she said I did n't send my papers in. Then she said I did n the case was n't closed then she says it was then it was n't then the supervisor said I was not getting nothing I was a liar and a crazy and to bad for me. I call the police they never even called then to get any info for investigation at all so how can they not give my money back???? I 'm homeless I been XXXX because I had no place to sleep because XXXX did n't give me nothing back and it 's there fault there phones were down all that day and have been most days this month look up online you can see. I have rights they ca n't keep my monrh its XXXX law they have to give it back in 10 days that 's the law o need help XXXX with this not in a few weeks I calls u XXXX u did n't wan na rent my report I pray u do your job n help me call Comericia bank I 'm not the only one that 's had problems they were on the XXXX XXXX last month sane kinda thing and I 'm the liar??!! No I am not. I have XXXX calls recorded I had to I could n't behind the lies they were telling me XXXX supervisor told me to XXXX I get Ssi for a reason. I called a lawyer and he said let u do your job and if not we 'll I 'm XXXX but I still have rights n they said no one could hear is talk wgy they got to hide I no there lies, you need tu shut this place Down n it a bank thing it Comericia bank ok the card there the ones ok the end I not being jerked around I have XXXX XXXX to care for too really!!!! 
Thank u please help Md. I was in jail last year got out all my money was taken off my card then all and it was n't me but they wiujdbt even call the cops to see the cold nee who did it too but no they did n't care I do XXXX $ is a lot of money u need it tu b inside sleep. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I actually have 3 accounts with Medicredit on XX/XX/XXXX sent them certified letter and they sent a letter back saying it would be deleted, but they didn't put the names of the accounts and I have tried calling them with no help. I also have disputed with XXXX, XXXX, XXXX sent them certified letter too. I need help with this company. 
MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$1200.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$51.00} Needs Attention MEDICREDIT INC Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I needed emergency assistance XX/XX/2015. 

For the past three month, I 'm getting calls from XXXX XXXX XXXX for a dept I do not owe. 

When the dept collector XXXX called I gave my information, thinking it was a mistake, I wanted to clear this matter. 

After speaking to the collector. I called the XXXX XXXX ( XXXX ). I was told by the accounting department, I was in good standing. I had reached out to XXXX earlier, after receiving my XXXX bill, I was told to wait on payment due to the fact they had been submitted to my insurance. I submitted a claim to my insurance. XXXX, they paid most of it. I made arrangements with WE. I would make XXXX equal payments to finish off the balance. 

When I called the XXXX, they confirmed, I am in good standing and I have not been sent to collections. I was advised by them not to share any more information with collector. I gave XXXX all the information I had. I was told this information would be filed. 

I have reported the number several times. I have spoken to them twice to explained this to them. The last two times I have expressed the harassment I feel after getting these calls. I have expressed to them that I am still working on recuperating. 

Please help me with this matter. Company info follows:XXXX Professional Recovery Company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is reporting several items on my credit report and I have no idea what they are. I sent a request for information and have not received anything. I do n't even know what these are or where they originated and so forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief