BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had a charge for almost XXXX bucks on my last XXXX dollars in my American Express Serve account. I called them from the gas station, luckily by my house, to inquire where the money went. We both, them and me, researched the charge and I told them I had no idea where that came from. I was told it would be returned and hold for next person. 

When I held, they hung up. When I called back, on XXXX at the gas station. Alone. No cash. They told me I was going to have to do a dispute. I said I agreed. They said ok. 

Now, they never did either. Then, when my actual deposit hit for XXXX, they locked my card and I had to call 10 times to get them to unlock it. I waited 5 hours. 

I don't like how they treat their customers as if they are doing us a favor. Any card that takes advantage of the poor with nonsensical fees that they don't even consider for mid to upper class, MOSTLY XXXX, people, needs to forever be bankrupt. 

I pray C19 makes you all go bankrupt. 

I closed the account and am waiting on my check. 

It doesn't include that XXXX. 

I want my XXXX too and an apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Spoke with a representative at capital one and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of 2021. I was experiencing XXXX  and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that capital one honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: Mountain Run Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive XXXX to XXXX calls per day from this company in a day - they are a collection agency - NCO Group - I have asked repeatedly to put everything in writing - and still have yet to receive any documentation. The calls start early morning and last till late at night, XXXX through XXXX. 
When I block the number they are calling from - they move on to another number. I have received voice mails stating that they are needing for me to return the call concerning a legal matter or I am being notified of legal action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the creditors and all 3 major credit reporting bureaus to correct the information on my credit profile and none have provided any remedy for the fraudulent and incorrect statements reported on my credit profile.

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 2017-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I currently have a auto loan with credit acceptance since XXXX of 2016. It seem like they use bullying tactics to get their payments. I went to a In my opinion fraudulent scamming auto company to purchase a car in XXXX of 2016. When the told me I was approved they told me it was through credit acceptance. The never explained to my credit acceptance billing rules and regulations. They were instructed by credit acceptance to put an device I. The vehicle so credit acceptance can shut the car down when I payment was not received. During the time I first got the car I was working. Now I have a XXXX that has me on temporarily XXXX and payments comes twice a month which only comes out to $ XXXX monthly. I have called credit acceptance explain to them what 's going on and let them know my situation but they do n't even seem to care about a XXXX person all they want is their payment. Which I understand I do have the vehicle and it must be paid for. But if I 'm explaining what my situation is and is making payments when ever I receive my check they wo n't give me any leave way. There has been a time I was going for medical treatment and missed out on it because credit acceptance activated the device in the car which prevents it from shutting on for XXXX XXXX and some odd dollars that was n't paid. So it seem to me a person facing a life or death situation does n't mean anything to them more than their payments. They need to stop their bullying tactics and try working with their customers. If it was n't for that car being my life line I would just let it go. Like I said XXXX had that crooked car dealership let me know about this I would have never agreed to accept or sign off any loan agreement with credit acceptance

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 2021-07-12
Company: Peter Roberts & Associates, Inc.
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
Consumer complaint received 2015-07-29
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
Midland Funding # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citizens Bank Mortgage not letting me out of forbearance. Not able to refinance and costing me over {$1000.00} a month due to current high interest rate with them. They know I can't refi due to XXXX XXXX  regulations as long as I'm in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was browsing my XXXX  XXXX site and it shows that I have an open account with moneylion that I never applied for and it's affecting my credit and I never received the money at all because I never applied for this loan. So please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2021-07-12
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Two unauthorized transactions : XX/XX/2021 - {$130.00} XX/XX/2021 - {$4.00} We request to the Bank an investigation due to this transaction were not realized by me through the XXXX with Logo of VISA. The Bank determined that this request does not proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IT is something 's on my credit that is mine but it 's a lot of things that are on here that is not please help me and I do n't want this to mess up anything else on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Information belongs to someone else

Complaint:
These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX 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 2015-11-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : 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 2016-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SELECT PORTFOLIO SERVICING CONTINUES TO SEND ME COLLECTION LETTERS AS A SERVICER FOR A TRUST THAT HAS NOT PROVED IT OWNS MY LOAN. THIS TRUST TOOK ME TO COURT AND LOST IT 'S CASE AND THE JUDGE DISMISSED THEIR CASE BECAUSE THEY COULD NOT PROVE THE TRUST LEGALLY OWNED MY MORTGAGE AND NOTE. THIS SERVCER HAS NEVER PROVED BY ANY TRUST DOCUMENT THAT IT IS A SERVICER OF MY MORTGAGE AND HAS A RIGHT TO SEND ME COLLECTION LETTERS. I BELIEVE THEY HAVE VIOLATED MY RIGHTS ACCORDING TO THE FAIR DEBT COLLECTION ACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have no knowledge of this account, nor account number I believe I have been a victim of Identity thief. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : 07 XXXX XXXX {$1500.00} XXXX XXXX XXXX  Original creditor : 11 XXXX XXXX  {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: RSI Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted this creditor multiple times to have this account removed from my credit because me and the creditor RSI Enterprises INC came to a settlement agreement in which I paid {$370.00} to have this collection removed from XXXX credit report several months ago. The agent I spoke to name is XXXX and her direct line is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: MIDFIRST BANK
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Midland Mortgage has violated several federal laws. 

*Fact, the Fair Debt Collection Practices Act 15 U.S. Code 1692h Multiple debts states *Fact, Midland Mortgage is failing to observe a law 15 USC 1692j - Furnishing certain deceptive forms. 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1692e ( 11 ) Fales or Misleading Representations *Fact, Affiant is aware and has proof in attachment labeled as exhibit C that this debt collector is failing to observe a law 15 U.S. Code S 1692d ( 2 ) - Harassment or abuse.

*Fact, Midland Mortgage is infringing on my rights of 15 USC 1692k.

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer Of a credit card or similar device SHALL NOT be listed on their consumer report. 

*Fact, Midland Mortgage is failing to observe law 15 USC 1681a ( 2 ) ( A ) ( l ) *Fact, Midland Mortgage is failing to observe a law 15 USC 1681b ( 2 ). 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681 ( 4 ).

*Fact, Affiant is aware of that Midland Mortgage is in violation of 15 USC 1681n exhibit D.

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 2021-07-11
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I spoke to them and told them i paid off but they keep try to charge more and we had worked out a deal if i paid what i paid it would be closed but they are just greedy and keep wonting more and more and i told them every time they call they are paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: FL
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:
I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never knew there was a debt owed at all until I was trying to buy my house in XXXX of XXXX and I started reviewing my credit report. According to XXXX XXXX the debt was from XX/XX/XXXX. At that time unsure of how to handle such a large debt from so long ago I tried to dispute it with the credit bureaus to no avail. I have never once received even a single piece of mail of any kind from neither jj marshall or the original debtor XXXX  XXXX. I never even received any notice of any court proceedings. I was never served paperwork by anyone. On XX/XX/XXXX my employer provided me with a copy of an order to garnish my wages on behalf of Jj marshall. Still to this day I have no idea what they are claiming I owe almost XXXX for. I am now attempting to object to this garnishment. To my knowledge it is beyond the timeline in which I can object to the judgement. I do not believe they made any attempt at reaching me in order for me to object to the debt in the first place so I would not have a chance to fight it. I have lived at the same address since I moved out of XXXX in XXXX of XXXX. I have received mail both legal and otherwise for almost seven years at my current address as well as it being my address listed with the post office and the courts so there is no reason that they could not have served me a proper notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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 IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

Company response to consumer: Closed with explanation