BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have  a   XXXX   XXXX   XXXX   hom e in  XXXX , CA and     XXXX     contracted with sub-servicer  AmeriNational  to handle my monthly payments. Due to job loss in   XX/XX/XXXX , I e nded up behind in payments. Back on track  in  XX/XX/XXXX , I re started making regular monthly payments - accepted without incident- until     XX/XX/XXXX / XX/XX/XXXX   when I received a letter from AmeriNational seeking a total of $ 23+K as an outstanding balance for one month  in  XX/XX/XXXX . I rep lied. We went back and forth. I asked for a loan modification. They sent an application. I completed it then returned it. They responded that they needed  by  XX/XX/XXXX  tax returns but a t that time I had not filed. In lieu, I sent in all the employment info/paystubs I had and when I did file  XX/XX/XXXX , I sent in copies. From there, everything went dormant for a couple months and no one from  AmeriNational  would tell me what they did with my app and why it was never processed. I filed a consumer complaint. The company 's rep responded online and said that they 'd resend another app " but it did n't mean I 'd get it ''. Never received it. I continued making monthly payments. They were received without incident. In   XX/XX/XXXX  , they sent that month 's payment back. Said they only wanted my defaulted payments. We went back and forth and I still sent in monthly payments. In   XX/XX/XXXX  , they retur ned  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  but not  XX/XX/XXXX .  Do n't know what happened to it. In the letter attached to those payments, they asked me to stop making payments all together. Shortly before this happened, they 'd referred me to HUD. I do n't have a HUD loan ...  .. H UD  's  site says " if your servicer asks you to stop payments that that 's illegal ''. I 've asked AmeriNat several times -in writing- if they partnered with any agency who can help me. I wrote to HUD. In their response, they indicated that my mortgage is n't FHA so I 'm not sure how AmeriNat categorizes it. I wrote them and asked what they did with all the other payments I 'd made. They wo n't say. They sent me a copy of a USPS receipt for mail they sent but my signature is n't on the form b/c I did n't receive anything. I told them this. No response. Along with that copy was a printout that I could n't even digest. They also wo n't say why they just wo n't move this defaulted amount to the end of my loan. I 've received letters from at least 4 different people in this company. At  one  point during  XX/XX/XXXX , they emailed that they 're no longer AmeriNational, they 're AmeriNat. This was after I wrote that I intended to report their activities to their executive  Board ( thos e identified on the AmeriNational website )  XX/XX/XXXX  says they do n't get involved. Just want to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit.

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 2021-10-28
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection company has continuously sent letters to my home to collect a debt that they have yet to prove it belongs to me. I have responded to every letter they have sent me requesting a copy of the contract showing that I actually owe the debt. They have only provided copies of credit card statements and no contract. This has started since XX/XX/XXXX, I have been summon to court on XX/XX/XXXX which is very frustrating because I have to take time off of work for a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Westlake Services, LLC
State: PA
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:
On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is Westlake Financial. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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:
I am concerned not only with the balance on my credit report with Prestige Financial being incorrect and as to how it is reporting on my credit report. I have sent several letters out to Prestige Financial in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked for Certified Letter with return receipt, reinstatement letter, notice of sale, as well as how much the vehicle was sold for and any possible deficiency letter. 

The only response I got from them was changing my XXXX   report from closed to repossessed in XX/XX/XXXX and XXXX   and XXXX shows a charge-off balance of {$22000.00}. The main issue is I took a loan out for around {$18000.00} in XXXX this vehicle was repossessed in XXXX and it was also sold in an auction. Prestige appears to be charging me for the original loan amount, fees I am not aware of, but has not reduced the true amount of what this vehicle was sold for which would have reduced the amount that would have been owed on my credit report. Instead they are trying to make money twice by selling the vehicle and not giving me the requested documents I have been asking for, for over 3 years as well as trying to make me pay a higher price than the loan amount, after selling the vehicle and not providing a deficiency letter. 

Due to no responses I contacted XXXX, XXXX  and XXXX  to notify them of the discrepancies and the account remained the same. No response from them. Please assist! 

This account is not only reporting incorrectly but their are a lot of discrepancies, such as the payment history. Each report is showing different payment histories as well as, current balance is higher than the original balance on all reports. All 3 of the credit bureaus are also reporting different statuses. All 3 reports are showing different last payment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon review of my records, I realize that I did indeed miss the payment deadline with Capital One in XXXX and XXXX of 2019. I was using the paperless billing function but for some reason I stop receiving the paperless statements, nor did I started receiving them in the mail. So, this is when I decided to set up a reminder in my phone. I have not missed a payment since. I have made sure it wont happen again. I have not missed a payment since. I have contacted the company and they told me they would not give me a courtesy deletion because it has been a year. I began explaining to the customer service rep that is has not been a year and we got disconnected. I have tried to call back but the wait time is extremely too long due to the Coronavirus. They are having 2 hour wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Hospital debt from XXXX XXXX - charged off to Merchants Credit Association. Ongoing garnishment through employer for many years - it seemed cyclical - every 6 weeks or so. Thought nothing when the employer began taking $ from check but this time I did not receive paperwork. Found out from the creditor $ was not given to them and employer did not send any {$.00} Creditor informed me that they had sent the usual writ of garnishment but they employer did not respond. Creditor informed me that the debt was now the employers responsibility. One year later creditor performed a bank levy - when asked about the employer they stated 'it was easier to clean out your account than to get him to respond '. When I told them they said it was the employers responsibility I was told it was up to them to decide who to go after and to 'call back when I was more informed of what the laws were ' When I asked how much $ was left on the debt I was informed I only owed approx {$250.00} I was told they would call me with an exact amount once the levy went through so I could pay it off. XXXX {$510.00} cleaned out of my account again. They said they did n't have to call me if they did not want to. I asked for proof that they even contacted the employer - was informed as the debtor I do not have access to that I would have to get a court order. I can not prove that funds were taken from my paychecks since my employer never gave me check stubs - currently working with XXXX on that. 
Below is the informationMerchants Credit XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXWrit of Garnishment XXXX Bank Levy XXXX Cause No XXXXApplication for Writ of GarnishmentExemption Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to XXXX XXXX  onXX/XX/XXXXand received the wrong product. The quality of the goods was not as expected, because I ordered a ribeye steak, but XXXX  gave me a ny strip steak. Discover has asked for this information, and I provided it to them, however, Discover makes it almost impossible to dispute a transaction. They have also done this with previous transactions, where product or service I ordered was not as stated by the merchant, but Discover refused to resolve and always resolved it in merchants favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a Target store card and they " upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and " supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020, XXXX $ XXXX I tried to send money to a friend of mines & it end up being the wrong name, Im trying to cancel or dispute the charge so that I can get my money back to my card please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.

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 2022-09-15
Company: LEXISNEXIS
State: AR
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:
Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a discharged in 2019. This has prevented me from being able to use my credit for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been receiving promotional physical mail for credit card approval from Capital One bank for years. And throughout the years, Ive called to remove my name and address from their list. I continue to get mail which I shred and throw away. This mail has all my personal information on it, along with a reservation number, bar code to easily apply for a line of credit online-a fraud 's dream. I am now moving out of my current residence. I call again today ( XX/XX/1922 ) Capital One again and plead with them to please remove my information from their database. They said it takes 45 days for that process to complete. When I said that Ive attempted to remove my name and address in the past and it did not stop mail from them, they advised me to " monitor my credit report ''. What type of operation puts the responsibility on the individual ( I am not a consumer of their products ), in the event they get scammed? I am requesting for this company to be held accountable for their role in persistently sending unwanted, unsolicited mail to individuals who've made attempts to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Acct XXXX is reporting incorrect information to Experian. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. XXXX  is reporting late payments and Experian is showing incomplete and inaccurate information which must be removed as per my rights under FCRA

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 2020-09-25
Company: Paypal Holdings, Inc
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I placed order for sandals and Paypal was used as conduit for payment. I was not informed that the product came from XXXX and that Paypal was going to be used for payment. They took the funds from my XXXX XXXX XXXX XXXX. I would not have ordered if I knew. 

The order was place on XX/XX/2020 & I received nothing ; soon it will be 4 months. I asked for a refund on XX/XX/2020 & they have yet to refund my money ( {$28.00} ). I requested refund via their website and their ( XXXX ) XXXXnumber - which they refuse to answer. 

The transaction ID is XXXX. 

My Acct # : XXXX Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX. 
Amount needed to be refunded : {$28.00} Invoice ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( 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 2020-09-11
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation