BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: Shapiro, DiCaro & Barak, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: GA
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 does not belong to me. It must be an error. I 've never used XXXX XXXX. XXXX XXXX XXXX Closed : XXXX XXXX, 2017

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 2023-06-27
Company: ACIMA CREDIT, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit reports I found this debt from Acima Digital FKA Simple that I did not recognize. I sent a debt validation letter and was returned a letter stating that my dispute was frivolous or irrelevant. I do not know what this debt is and do not believe it to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Purchased a vechile in  2012 , I voluntarily returned the vechile related to financial hardship. I never heard back from the auto dealer, I was provided with no information regarding the car for possible repossession of the vechile, nor when it was sold. However I did hear from a collection agency asking for {$8000.00} + approximately!   When I request validation of the information according to the law, I received no information but transferred to the collection agency. I began the disputing process with all   XXXX   credit bureaus but was unsuccessful, the item continued to be verified with no prof how. I never received what information was provided or how the conclusion came about.   So I decided to contac t Kia Motors  myself and spoke with the Kia financial office whom then sent me a copy of the contract which was tampered with showing misrepresentation of a legal document in which my husband and I never signed. My address was completely hand written over. According to the law the company must provide me with proper notification for redemption as well as deficiency. As well as being compliant with the 1. Uniform commerci al act 2. Retail installment sales act 3. Truth in lending act 4. Consumer fraud act Upon further investigation, I then spoke wit h the manager from the auto lot where the car was brought, whom then emailed me an unsigned contract with a different  address ( the ad dress which was hand written over the contract after it was signed ) illegally.     Enclosed is the contract in which I received from kia finance department, as well as the contract from the  manager  of  Kia Motors  unsigned with a different address which was not provided via drivers licenses from myself and husband in which the company altered without my consent, nor was it signed when changed, or initialed by me when performed nor was this misrepresentation on the contract upon signing.   Furthermore, What I did not understand is that, if I was present at this time when the address was changed ; why was the contract fully reprinted for me and my husband to sign a clean accurate contact, if this happen while we were present at the dealership, as well as what other information was altered?   According to the  law if one pie ce of the contract was inaccurate and misrepresented then this item would be dismissed for non valid information, contract fraud as well as a criminal act breakage of :  The Fair credit Act 807  using any false, deceptive, or misleading representation or means in connection with the collection of any debt.   Not to mention this item was sold a  two  debt collector whom I have no contract with whom continues to report negatively on my report while the item is closed and listed as a charge off, as well as providing false information to all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: HI
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 and Equifax need to delete XXXX and/or FKA ClickNClose mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with XXXX XXXX  XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with Rushmore Loan XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with XXXX and Equifax and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options.

My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Balance transfer fee

Complaint:
Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: Credit Bureau Services Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First they put in my credit report that I owed them {$2500.00}, then they decided to bring it down in my credit report and sue me for {$2000.00}. They sent me a paper dated XXXX/XXXX/2016 their math was off. 
XXXX unpaid rent plus late fees ( This is for two months rent that no one lived there and the lease was satisfied, ) {$770.00} for cost to repair damage. {$560.00} was for a furnace on XXXX/XXXX/2016. No one lived in the property form XXXX2016 They only credited us for {$470.00} deposit, when it was {$650.00}. 
That would leave the remanding balance of {$1800.00}. 
This was pointed out to the collection agency. They said they would change it, but never did.

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 2017-01-17
Company: Triton Management Group, Inc
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The debt, a payday loan, was discharged in XX/XX/XXXX in a chapter XXXX bankruptcy filing. The lady on the phone said that she was trying to head off the company filing a suit for collection in court. She called at XXXX on Friday, XX/XX/XXXX from XXXX and said she was with EZ Corp. This is approximately the 3rd collection call from since discharge in XX/XX/XXXX that I have answered the phone and the person said they were from EZ Corp. Each time this has happened they were reminded of the XX/XX/XXXX Bankruptcy filing, so they are not ignorant that they should not be contacting me about this ever. They are illegally operating outside of the bankruptcy law and bringing up debts that they can not legally collect on. They are stalking me, and collecting my personal information to harass me. I have changed my cell phone number since XX/XX/XXXX and although the number is registered on the Federal DO NOT CALL list, they apparently ignore those laws too and call. This makes me feel very unsafe and I feel like they would try to physically harm me by trying to continually locate me. Please STOP these people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Credit Card Acquisitions Group
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:
Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal near-850 XXXX XXXX had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to XXXX. About a week later, I received notice that my dispute had been completed and that the creditor ( Foster and Monroe, LLC ) certified that the information is correct. I called XXXX and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Rapid Auto Loans LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
XXXX
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} 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 explanation