BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.

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 2022-01-31
Company: Experian Information Solutions Inc.
State: GA
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:
Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )

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 2016-09-22
Company: Continental Finance Company, LLC
State: DE
Product: Credit card
Issue: Delinquent account

Complaint:
My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2016-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
One of main reason for me today to make the complain about my credit card is Chase Amazon Card look like fraudulent consumer. I have got the refund from the XXXX XXXX for XXXX ticket total of {$2100.00}. However, Chase Amazon did not post to my account till I have to make call in and was more than 30 days from the refund day. After that I used that credit back to purchase something and now credit balance is {$72.00}. However, I just checked it today and I saw it already used and name as " Credit Balance REfund " charge. 
Wow, could not believe that they never want to issue money back plus interest they hold my money refund and instead they took without any reason. 
This is not first time with the issue with my account, but it was happened so many time and I have recognized that Chase has been established Fraud Transaction for consumer account where they just want to keep money and not return it to consumer and double charge something unknown to consumer. 
I am strongly wanting to be investigate and bring the true to the light. As a consumer with Chase, I have made on or before due date and I deserved what I am being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The past year, I have repeatedly contacted the collection agency ( Diversified Consultants ) to dispute the account information on my credit report. The company ( Diversified Consultants ) would not provide details on the accounts. I sent the company ( Diversified Consultants ) documentation that the debt was not a verified collection as I contacted the original creditor for information. The original creditor could not verify the debt and sent information to the credit bureaus to remove the information from my credit reports. The debt collector ( Diversified Consultants ), despite this, still has the alert on my credit report.

I have contacted them on two separate occasions by phone but was told they would not remove it.

On XX/XX/2019, I requested via written correspondence sent certified mail to the debt collector ( Diversified Consultants ) to provide all information associated with the debts so I can do further research. As of today ( XX/XX/2019 ), the debt collector has not provided documentation regarding the debt to me in written form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 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 2015-12-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: R.A.Rogers, Inc.
State: TX
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:
My ex-wife and I had an account in which she was supposed to be responsible for paying the account. She has since denied any responsibility for this account and it went to collections. The collections company is utilizing very ambiguous and questionable business practices by frequently increasing and changing the amount due. The original debt owed to XXXX XXXX XXXX XXXX was {$19000.00}, as reported on my XXXX/XXXX/2015 XXXX credit report. At Within the past THREE months the balance has been reported to all XXXX credit bureaus at a higher and different amounts. I am very aware that XXXX XXXX has already written off this balance as bad debt, and this company is trying to get more money while seriously damaging my credit. They even put on my credit report negative comments like " debtor has now been located ''. I had previously called and they had my address so the implication that I was missing is slanderous because it is affecting my good credit history. 
I have made multiple attempts to resolve the issue I have asked them for documentation of how and why the balance increased from {$19000.00} on XXXX/XXXX/15 to XXXX on XXXX/XXXX/15 to {$30000.00} on XXXX/XXXX/15! I have attached copies of the various notices in letters they 've changed demonstrating the rapid increase in the balance with no justification or as to why the balance have changed. I spoke with this company and they refused to settle, refused a payment plan, refused to explain or send a detailed invoice, they just keep sending notices with higher balances due. And each notice looks different. When I asked to speak with a manager, the woman, possibly " XXXX XXXX '' on the phone refused to get a manager for me. She was rude and very disrespectful. 
I really want to get rid of this problem. I would like to settle for 20 % of the original {$19000.00} debt due to the fact of the stress, defamation of my character by negative and fraudulent reporting to the credit bureaus, and problems working with this company have caused me. 
Thank you for any assistance you can provide me in this matter.

Company response to consumer: Closed with explanation