BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Dealer Funding, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
DEALER FUNDING is the holder of the lien on the vehicle. On  XX/XX/XXXX  a postal money order was submitted as payment to the company which was deposited on  XX/XX/XXXX . The terms of the payment pursued a renegotiation of the contract which would make that payment handling full satisfaction of the claim. After lien holder deposited the money order, a letter was sent to Dealer Funding explaining the conditions of the renegotiation and their timeline in which to do so. After no response from lien holder, a second payment was made with a second letter still with no response. A third payment was sent but returned then resent again and then credited to the account. The company tried to reach out over the phone to renegotiate but was told to respond through the mail. On Tuesda y,   XX/XX/XXXX , the vehicle, the white   XXXX   XXXX   XXXX   XXXX   and sensitive materials belonging to the claimant were taken from the domicile while everyone slept by   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . The company utilized   XXXX   XXXX   to locate the van The terms of the renegotiated contract were violated and now sensitive materials of utmost importance are within the van in the possession of a third party. Company was instructed not to contact by phone but insisted on calling.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XX/XX/XXXXI sent to Equifax, LLC a letter that was dated XX/XX/XXXX via USPS, Certified Mail Number : XXXX. 
A Copy of this letter is attached for your review. In this letter I detailed XXXX ( XXXX ) concerns regarding my credit file that I felt needed that needed to be addressed that would help to improve my credit file. 
I am pleased to note that the outdated XXXX Bank credit reference was deleted. However, the much more serious reference was said to have been investigated and was reaffirmed as being reported correctly. 
I strongly protest the manner in which you arrived at your purported conclusions. I am sure that the supplier of information to you is flat out wrong because I am in possession of a copy of the original filing of the court papers. I have enclosed a copy for your review. Note that in the top right-side portion that the date stamped is " XX/XX/XXXX, XXXX. '' Additionally, note that on the middle right-side of the same page a reference to " XXXX 's Department, XX/XX/XXXX XX/XX/XXXX. '' A copy of the first page of the summons is attached. 
This papers clearly refute the allegations that an investigation was done that confirmed the information to be correct. If it were done, what was the source of proof? 
This is the basis of my request to delete this wrong credit reference due to conflicting information that makes me the recipient of prolong and erroneous credit reporting. Again, this information needs to be immediately deleted. 
The importance of this request is under-stated by XXXX ( XXXX ) separate attempts to open an account with XX/XX/XXXX. I have attached a credit denial letter and a more recent online chat session with that company 's representative. Of the online chat, pages XXXX, XXXX and XXXX details the attempts to get a deposit in advance of service for the account security. 
Erroneous and outdated information is not to contained in one 's credit file. It is my desire that it not be a part of mine forcing higher charges for the basic services and other life needs. 
Your assistance in this pursuit is deeply appreciated on my behalf. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have now left 2 messages on the legal resolution team at Pressler and Pressler after receiving a second letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original debt was {$2100.00} in  XXXX , now {$2700.00}. Charges variable amounts. Different each month with each credit bureau. I would like to know the maximum interest that can be charged from this debt collection agency. Is there a % or standard amount ( set ) each month. I have tried to settle with this company. Set up arrangements and could not contact to make payments. Accepted payment in  XXXX  &  XX/XX/XXXX . Credit report has not been updated either time. Rude behavior when discussing debt and has never given explanation of debt.
Yelling and making threatening remarks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: NC
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: Public record information inaccurate

Complaint:
removal of lien comments from my file. Three previous attempts with Equifax over the last 5 years. Detrimental to my employment.
Liens have been released and are no longer being reported by the other   XXXX    agencies.
documents were resent and returned because the recorded used the incorrect last name when cataloging the documents. letter dated  XX/XX/XXXX  addressed to   XXXX   XXXX  , with an old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This complaint is against Transunion Credit Bureau. I 've recently been denied from several companies, XXXX XXXX, XXXX, and even XXXX XXXX XXXX. Two reasons for denial that I ca n't understand. " Serious Delinquency and Delinquency too Recent ''. XXXX XXXX continues to report fraudulent information towards my credit report. On XX/XX/XXXX I received an email from XXXX XXXX, executive director in creditor operations for XXXX XXXX. The email is a response from an email I sent to XXXX to delete my account from all credit bureaus or I would seek legal action for them reporting fraudulent information on my credit report. I 've filed several complaints with Transunion about this issue over the last year. XXXX and XXXX have deleted the account. This account was included in my XX/XX/XXXX chapter XXXX bankruptcy. This bankruptcy is public record and had Transunion done a thorough investigation, this matter would have been resolved way back. I 'm requesting documentation of all other accounts that are supposedly delinquent and derogatory. Over the past 1 and half years, I 've opened about XXXX new accounts. I Have Not missed or been late on any accounts. I do have a chapter XXXX, which is 8 years old, and a chapter XXXX, which is 6 years old, on my credit report. I 've called customer service at Transunion several times. Transunion is the type of company that sends their customer service jobs overseas. I can never hardly understand the representative. They are also not very knowledgeable about The Fair Consumer Reporting Act. Why am I having to talk with someone from another country about my credit issues?? Is n't this one of the issues President Trump ran against?? In addition, I will be filing a complaint with the Department Of Justice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: IL
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Bank of America 's credit card system will not process my payment to balance because I " exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.

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 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do.

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 2017-07-18
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMCOL Systems Inc is reporting  XXXX  medical debts to the credit bureaus that I have no knowledge of and that I do n't owe. Thus, I sent AMCOL a letter asking them for a copy of the original bills and detailed statements of the procedures performed. AMCOL received my letter on   XXXX    XXXX , 2017, however, AMCOL has failed to send the requested documents. In fact, AMCOL has n't responded to my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This call came from  XXXX  and  XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen :   XXXX   XXXX   and   XXXX   XXXX   Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Asset Acquisition Group, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
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: Information belongs to someone else

Complaint:
I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order

Company response to consumer: Closed with explanation