BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Jomax, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-11
Company: J.S Resolution Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
they are calling me after over 6 yrs has passed and claim to be sending a process server to my home because they are claiming I committed fraud.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-11
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan with Drive Time in XXXX till XXXX, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Initially Drive Time refused to fix it and that is when I filled my 1st complaint with Bureau Of Consumer Finance. Shortly after I was contacted in writing by XXXX XXXX B. 
please see letter attached ( although she had the wrong year on top of the letter ) She contacted me in XX/XX/XXXX not XX/XX/XXXX. In the letter she stated " we are only able to reinstate paid loans through XXXX, as they are the only credit bureau with the ability to do so. This update should reflect on XXXX XXXX 's credit reporting with XXXX within 30-60 days. '' I accepted her terms, however till this day XX/XX/XXXX, XXXX tells me they never received the information from Drive Time to report it. XXXX provided me with a copy of my credit report showing no evidence of Drive time being reported. I contacted XXXX XXXX XXXX office on XX/XX/XXXX, XX/XX/XXXX and XXXX, I spoke with XXXX different people and they all claimed XXXX XXXX XXXX was not available. None of them seem to know about the letter from XXXX XXXX B in XXXX XXXX and when I brought it to their attention, they all said XXXX XXXX XXXX will have to call me back. I find this completely irresponsible from Drive Time and I ask for mediate compliance as per the letter from XXXX XXXX XXXX, please see copy attached. 
Thank you

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 2019-10-20
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I originally receive a letter of pending wage garnishment from XXXX, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called Allied Interstate LLC. I was never given the hearing or review that I requested.

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 2016-12-27
Company: Alpha Title, LLC
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Alpha Title did not transfer the funds to my bank after the closing. As the seller of a house, I went to Alpha Title to close around XXXX on XX/XX/2016. All paperwork was signed, but the Escrow Officer dated the paperwork for the next day, as she told me she could n't issue me a cashiers check or transfer the funds that day due to the time of day. She said the post dating was just a formality when I questioned this. About an hour later, I was informed from my realtor that the sellers agent ( who is a good friend of the Escrow Officer ) called the escrow officer and told her not to transfer the funds, as the new owners found some surface mold in the basement and were concerned. The closing was completely finishined. I would have not given the new owners the keys yet if I knew the Title Company could just not transfer the funds because the seller realtor told them not too!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In early XX/XX/XXXX my Key Bank & XXXX debit cards were stolen along with my Driver 's license out of my wallet. Immediately, I reported my cards stolen and the fraudulent charges that were brought upon my account. Unfortunately I was n't fast enough and whomever had already committed their criminal acts. As instructed by both banks, I immediately filed XXXX police reports and came into both banks to sign affidavits. After doing so I played the waiting game. Recently I reached out to both and I had been informed by both banks that my claim was denied. Somehow, this criminal withdrew {$3000.00} from my XXXX XXXX account and just under {$2000.00} from my KeyBank account. The problem is I only had {$10.00} in my KeyBank account and about {$10.00} maybe {$20.00} in my XXXX Account so how were they able to withdraw such amounts? Also, I had my accounts set up so that I COULD N'T go negative. I 'm a student XXXX at the University XXXX so I 'm unable to work and pay off this ridiculous amount nor should I have to because I did not commit the criminal act. I 'm not asking for any money, or anything of the sort. I simply do n't want to be held liable for something I did n't do. All I want is a positive account balance that 's not going to disrupt my credit. I do n't care if it 's a new account at XXXX $ I just want the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal has permanently restricted my account, and I've exhausted all possible solutions and submitted all required documentation, but they've stated that their decision is final. 

I only use a Paypal account to withdraw my earnings from my XXXX tutorial job. 
However, after a month of use, I received an email stating that my account had been permanently restricted due to the User Agreement Policy. 


I reviewed their Agreement and believe I did not violate any of them. All I do is withdraw my earnings from XXXX and they are automatically credited to my PayPal account. 

I am convinced that they have mistakenly limited my account. 

I'm hoping for a positive response from you. 

Thank you very much. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
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 Reporter Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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 2022-04-19
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
KeyBank and XXXX XXXX have completely mishandled my loan application process. They have given me countless pieces of FALSE information regarding a MAJOR financial decision. They are misleading and never explained to me that KeyBank and XXXX XXXX are actually the same company. XXXX XXXX even made claims that their loans were better and that the process is completely different with XXXX. Not until late in the closing period did they tell me they wouldnt be able to help me since I already had an application in process with Key. Additional false information given to me by XXXX XXXX XXXX was : 1. Husband and wife applying together holds the same financial liability as one spouse applying separately ( my wife has XXXX XXXX  ) 2. A new application cant be opened easily if I want to remove my wife from the application 3. XXXX XXXX and Key are not the same bank and have entirely different teams and processes. Appraisal can not be transferred from one to the other. 
4. A bad appraisal can not warrant a new one being ordered. 

Ill be hiring a lawyer. See you in court. Havent had this issue with other lenders. I wonder if XXXX XXXX has anything to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AMERICAN HONDA FINANCE CORP
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went into a XXXX dealership and was told I would receive a rate of .9 %. We agreed to a price and vehicle with the specific options I wanted. I explained that my trade in was n't running ( alternator died XXXX, and I would have to go charge the battery for the trip to the dealership. I came back the next day with my trade in and was pushed off to another salesman who said that they could not honor the price or the rate that we agreed to yesterday. I had driven my trade down there already and it was n't going anywhere. I was unable to do anything but take the new terms they offered. I then met with the man responsible for the contract and I noticed that one of the options that I had requested did not appear on the contract XXXX cross bars ) and specifically asked him about that. He said that they were included with the roof rails that were on the contract. I to possession of the vehicle and made the appointment at the dealership to have the options installed that we had agreed on. After having the options installed they indicated that the cross bars were not included. I questioned the man that wrote up the contract for us and of whom I had asked about the cross bars before and he claims he never said the cross bars were included. At this dealership every person that I spoke with deceived us and then passed us on to someone else. All of these sales and finance staff acting as agents for Honda XXXX Finance appeared to have a routine pattern of deception and shifting responsibility. I am now paying more than I originally agreed for both the loan rate and options on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I paid {$1200.00} for some yard cleanup service with my Fidelity rewards Visa Signature credit card via XXXX XXXX, as the lawn service provider only accepted XXXX XXXX payments. 
XXXX XXXX  charged me an extra fee of {$36.00} ( $ XXXX {$1200.00} ) for using credit card. I was okay with that fee and went ahead with the payment. 
I was unaware that this is treated by Fidelity as a XXXX XXXX, for which I was charged a substantial fee of {$61.00}. I was already charged an initial fee of {$36.00} by XXXX XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the XXXX XXXX fees, I am also getting charged interest because of the XXXX XXXX. The interest rate for XXXX XXXX is 24.24 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Fidelity would process this as a XXXX XXXX. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Fidelity and they claimed they could do nothing for me. I asked them if they could disable cash advances on my credit card, so that this doesn't happen again in future. But they told me that it is not possible for them to do that. 
I feel that this is a XXXX violation as a Deceptive practice, as well as XXXX. I was told that I will get pummeled with a huge interest rate until I pay my card completely down to {$0.00}.

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 monetary relief
Consumer complaint received 2017-03-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Two years ago, I sent the below message to Senators XXXX and XXXX. I have yet to see any action. Is it time to give up and consider all politicians do not respond? My situation has been resolved after about 6 months of back and forth letters, but what about the unfortunate people who ca n't afford to close their account? SLS actions border on criminal! 
XX/XX/2015. 
Senators XXXX and XXXX : Please have someone look into the unethical/illegal practices of Specialized Loan Services ( SLS ) Corp based in Colorado. In our particular case, our HELOC was sold from XXXX to SLS. After reading about SLS, which is really a debt collection agency, with all of it 's tactics, we decided to payoff the HELOC and close our account. Two months later, we still ca n't get a correct statement from them in order to ensure the lien against our property is satisfied. Rather than give you more particulars, I believe it would be best if your staff googled " SLS Complaints '' and read about their tactics. There are some very unfortunate people being taken advantage of ; some being threatened with losing their homes over a " missed '' {$50.00} payment. I say " missed '' because SLS does n't cash the check and then the " fun '' begins. This outfit has been in business at least 8 years and it is overdue to be investigated.

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 2022-04-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

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 2015-11-14
Company: National Enterprise Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: Commercial Recovery Systems
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-02
Company: Presto Auto Loans, Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

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