BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: Pinnacle Credit Services, LLC
State: PA
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:
Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Go Capital Holdings, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Comerica
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My pocket book was stolen at the XXXX XXXX and fell a sleep. When I notice my pocketbook was missing I call a Police Officer to take a stolen report. I report to the Direct Express and they issues another bank card and charges for second bank card. 
When the Direct Express bank card got here by XXXX mail delivery at XXXX XXXX XXXX, # XXXX, XXXX, Maryland. They Direct Express bank card was placed in a friend truck to keep me from loss this bank card on XXXX/XXXX/2016. I stay in the card until morning and I decided to check on my Direct Express bank account to see if the XXXX benefit check of {$890.00} was desposited. I got a shock of my life that I had a balance of ect. {$270.00} and so cent. I withdrawal the other $ XXXX {$40.00} and {$23.00}. In the began of this bank account was a XXXX and cent for the card send. Yet, I did n't authorized any funds coming out my bank account. This Direct Express bank account was to be closed, not have it posted/or attachment done on this bank card. There were3 unathorzed funds remove without my permission. It has been 20 days of no response on my funds and I experience some hardship on this transaction. XXXX I need some answer to the missing XXXX funds. Direct Express/XXXX XXXX # XXXX. I refund? How long does it take to get your refund back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a vehicle loan with SunTrust Bank XXXX Now Truist Bank ). I pay extra payments each month and I've noticed that they charge interest charges on every payment. This has been going on for some time now. I went to there branch on XXXX XXXX in XXXX, Ga last month to address the problem and to stop making additional payments by recurring payments and they still haven't corrected the problem. I called their main loan office today and they are still taking additional payments and charging interest, and they were not much help!

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I am currently living on the streets. I was scammed for XXXX dollars while trying to find a apartment to rent. The scam involved me sending money through the XXXX app. I transfered the money through Chase/XXXX and than figured it was a scam once the scammer no longer kept contact. Contacted Chase and the told me nothing could be done, contacted XXXX and was told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: CT
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:
This will be the 3rd complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately 8 mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and XXXX admissions. Current issues : XXXX is reporting correctly, Equifax is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXXXXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXXXXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX  payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXXXXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full 8. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Westlake Services, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Westlake has been reporting late payments since XXXX and have not investigated the situation which is hurting my credit. I have contacted them due to this not being true facts and was told they will get back to me via mail! It has been 2 years and still no update or payment update on credit report

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 2017-04-30
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked for written correspondence from Performant Recovery instead of all the phone calls, which is handling my student loan. I contacted this company about a repayment plan on my student loan, ( but I was still sending {$30.00} per month ). I 've faxed and mailed XXXX now to XXXX XXXX all the information needed to arrange payment since XXXX 2015 only to receive phone calls from from another agent from Performant Recovery. Stop calling and put it in writing. In the meantime Performant Recovery keeps adding fees to the account. Is this fair?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code ? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.

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 2022-04-20
Company: EQUIFAX, INC.
State: MD
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 the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX Bank Acct # XXXX - XXXXXXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXXXXXX XXXX  Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-04
Company: The CMI Group, Inc.
State: FL
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:
Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae has been harassing me since the day my grace period on my loans ended. I have received calls as many as five to ten times a day, and I have discussed how I am unable to make payments due to financial hardships and lack of help from my parents. They refused to work with me, so I stopped answering their calls and changed my number. Eventually, friends and family members expressed their concerns over my loans and told me Sallie Mae kept contacting them about me. Sallie Mae now calls my work, and when my coworkers hang up on them they call back in a rude tone, demanding to talk to me. They have even talked to my Human Resources manager. It is not okay to mix personal issues with work issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: National Budget Planners of South Florida, Inc
State: TX
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was contacted by a company who claimed to be consolidating my student loans. This company claimed to be working on my loans which were previously handled by XXXX XXXX and transferred to XXXX. To my knowledge it was explained to me that they were handling the consolidation as a third party through XXXX. This company was the XXXX of XXXX separate companies claiming to consolidate my student loans. They scammed me out of {$510.00}. The Name of the company is National Budget Planners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The debt is from 2007 ( over 6 years in the state of Tennessee ) They have NEVER read me the XXXX XXXX They called my father and left a Complaint number and told him I could be arrested for failure to appear because they had been trying to reach me and sent a sheriff to my home. ( It was an old address from 3 years ago ) and left my dad a phone number and case number I called them and they told me the same thing. Would not provide proof stated once I paid a portion ( first payment of {$640.00} they could send a letter and stated due to the urgency of the matter by the time I got the letter it would be too late as the papers were waiting to be delivered for the lawsuit I paid XXXX and of XXXX putting the rest on a payment plan in XXXX weeks a {$320.00} was due and I called to make a payment as I was scared to be sued and wages garnished when I called they stated my payment was scheduled to run the following day. I advised them I never gave permission for my card to be kept on file or ran a second time

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 2020-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by Portfolio Recovery Associates, LLC. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company response to consumer: Closed with explanation