BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: High Point Asset Inc
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX started calling calling me last week after I applied for a loan online I do n't know the company I have no outstanding loans with anyone they claim that I have an outstanding loan from 2011 XXXX and XXXX witches a scam I have no outstanding loans with anyone they do have all my personal information including my social security and the only evidence they 've given me is made of letters from their end high points assets inc is the name of the company

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Adding money

Complaint:
I wired money to PayPal from my bank on XXXX. The money was withdrawn from my bank on XXXX XXXX. I checked my paypal account on XXXX XXXX and the money was n't there. I called them and was told it takes 3 to 5 business days to get the money and was informed the money would be credited to my account on Wednesday at XXXX. When I told them that was not acceptable, they told me that that was how ACH works. I know this not to be the case as I make 2 or 3 wires a week. Usually the money is there the same day or the very latest the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Marauder Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I signed up for a " Free Trial '' online disclosing all my information including my name, address and credit card number. A couple of days later I received an email saying that they had charged me {$79.00} on my credit card, so I had cancelled my membership in hopes of not having to pay the charge because I had not seen any information saying that they would be charging me for a product I had not even used.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.

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 2017-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: RI
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My name is XXXX and I am asking for an investigation on my credit file and then for it to be updated in the system.

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 2016-10-11
Company: Commercial Recovery Systems
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable

Company response to consumer: Untimely response
Consumer complaint received 2015-08-05
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Solidus Group LLC.
State: KY
Product: Credit card
Issue: Balance transfer

Complaint:
Was contacted by a company called XXXX. They offered me a 0 % life of the balance transfer, 0 % balance transfer fee. I started getting credit cards in the mail under my name. They applied for credit cards in my name and sent them to my house, then did a balance transfer without my knowledge. Now I ca n't reverse it and am being charged a 4 % balance transfer fee ... and with a 0 % 15 month promotion.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Acceptance agree to remove me from the loan within 6 months of being a Co-Signer. Also, Credit Acceptance refuse to discuss information regarding the loan.

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 2020-10-06
Company: Phoenix Financial Services LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is to dispute a debt by Phoenix Financial Services.

The company Phoenix Financial Services list a debt dated from XX/XX/XXXX by Original Creditor : XXXX  XXXX XXXX XXXX. 
Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

On XX/XX/XXXX I arrived in the State of XXXX  with my child whose medical was with the State of XXXX  called the XXXX  XXXX XXXX. I took my child to an emergency doctor since he needed a follow up appointment for XXXX he had back in XXXX. Also, he was not a local resident in the XXXX of XXXX. Being in the XXXX of XXXX  for only a week I had to make sure I could obtain medical service for my child. This included for all appointments and refills of any medication which is covered by his XXXX  XXXX XXXX XXXX XXXX since that was all I had. Once I provided the Medical Insurance from the State of XXXX each hospital took the card and additional forms from the medical center in the State of XXXX  regarding his XXXX and made copies. 

In early XXXX of XXXX and immediately reached out to my lawyers office XXXX XXXX XXXX XXXX regarding this collection letter from XXXX. The current creditor listed is XXXX XXXX XXXX, XXXX. 

By XX/XX/XXXX a dispute letter on my behalf was mail to XXXXhoenix Financial Services from my lawyers XXXX XXXX XXXX XXXX. ( See Attached Document ). In two months there was no response. On XX/XX/XXXX, a certified letter was mailed by my lawyer XXXX XXXX XXXX XXXX to Phoenix Financial Services to dispute the debt. 

A response was received on XX/XX/XXXX from Phoenix Financial Services, LLC ( See Attached Document ) with their response that the creditor had already disputed the information with me. Also on the letter you can show it is not with a new current creditor listed is XXXX XXXX XXXX XXXX. Nowhere in the letter did the agency acknowledge the request to provide full details of medical charges made on XX/XX/XXXX. Second, there was no mention of insurance provided with this debt when at the time the billing was made by XXXX  XXXX XXXX, XXXX. 

I do not recall receiving mail from XXXX  XXXX XXXX, XXXX for a medical bill while I was in the State of XXXX. I was only in the XXXX of XXXX   for 5 months. I left the XXXX Of XXXX  in XXXX of XXXX. This is the first letter I have ever received from Phoenix Financial Services dated XX/XX/XXXX ( See  Attached Document ) regarding this debt from XX/XX/XXXX. 

I only received the confirmation of Certified mail that it was received by Phoenix Financial Services, LLC date XX/XX/XXXX ( See Attached Document ). In addition, my lawyer reached out to Phoenix Financial Services, LLC by email requesting again, to provide more detailed information to verify debt. My lawyer did not get any response. 

Today, I am filing with CFPB about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an inquiry on my credit report from XXXX XXXX, upon calling them I was told it was submitted by rocket mortgage. This was on XX/XX/XXXX. I did not see sooner because I had not checked my report until a week ago since I was applying for a lease buyout. I called Rocket mortgage on XX/XX/XXXX and after researching I was told they only keep recorded calls for 6 months. She pulled up the call log and said since it shows I talked to a rep for 13 minutes that was long enough for me to give consent to run my credit. I told her that I know I never gave anyone my consent to run my credit. So I guess since they no longer have the recorded call then I am faulted and basically called a liar. I realize this is way after the fact but this company should not be allowed to pull credit reports without consent. So I was told they could not have the inquiry removed from my credit report because I can not prove I didn't give my consent ... really? I just want this inquiry removed and for them not do this to anyone else. Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion is erroneously reporting XXXX account as a rolling 120 days late even though this was paid as agreed and settled on XXXX. Other credit bureau agencies are reporting this correctly. 
I am requesting that the above referenced item be reported as current, not a rolling 120 days late. This dispute was also completed on-line. This account was paid as agreed and settled as of XX/XX/XXXX2014. 
Be advised that this information is damaging and prohibiting me from securing a loan for the purchase of a home for me and my family. 
I am also requesting the receipt of a copy of the corrected credit report within 30 days of receipt of this letter along with an attached letter that reflects the above changes.

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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Tax Lien on my credit report that should n't be on there. Docket # 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 2017-04-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XX/XX/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank XXXX Then on XXXX XXXX, 6 days later, i received an email saying my statement period had ended and I owed {$25.00}. It said I could view or pay balance by clicking XXXX of XXXX links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by XXXX XXXX. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of XXXX XXXX, my account will not even have been opened 30 days and it will already be overdue! This is unfair practice to the consumer!

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 2022-04-16
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXX, I noticed that I had an account from XXXX from XX/XX/XXXX reporting on my consumer report as a charge-off. I have sent them disputes trying to get this removed but they are refusing to remove it as they are claiming it is mine. Also in XX/XX/XXXX, I was approved for a loan by XXXX  that I applied for and did so knowingly so I should have only one account with the company. I have been a victim of Identity theft in the past and my wife was a victim back in XXXX this is another instance where my information is being used for someone's personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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 XXXX XXXX, LLC # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Auto Masters, LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased an auto mobile from Auto Masters in XXXX. My down payment was XXXX dollars. I only had the car for two weeks before they repossessed it. They kept my down payment and I never was late on one car payment because one was never due. They then put a repo on my credit report that is now showing paid but there 's a judgement on my credit report for XXXX dollars. I want it removed. It was the auto masters off XXXX XXXX in XXXX XXXX : XXXX XXXX XXXX, XXXX, TN XXXX Hours : Closed today Phone : ( XXXX ) XXXX My name is XXXX XXXX XXXX and my DOB is XXXX/XXXX/XXXX and my social is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: IL
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  Account # 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 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have called 3 times in regards to my Capitol One credit card balance. The first time I called, it was to remove a late charge on the account due to my old bank account being closed out. They told me they could not remove the late fee account and I asked for a supervisor and they sent me to a Senior Accountant with Capitol One Name XXXX. He was not able to remove the late fee charge. I went ahead and payed the full balance. On a recorded line, I asked him if the amount on the account is what I need to pay, his answer was yes. So I went ahead to make that payment. The next day, I saw an interest charge in my account for {$6.00}. I called Capitol One back and asked why there was an interest charge on the account. Throughout this entire process, not one single presin has notified me that there would be a interest charge after paying off my balance on the next statement. Then, I asked for a supervisor and another Senior Accountant from Capitol One name XXXX looked into the account. She did not resolve the issue and she was extremely rude. I am hoping that this case will resolve the issue and better help other credit card holders with Capitol One not to be misled.

Company response to consumer: Closed with monetary relief