BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I worked for this company called XXXX XXXX after I graduated selling XXXX knives. Needless to say I was just recently told that a customer that purchased a set of knives did not complete payment so it charged back on me, however I was no longer with the company. Being that I was n't making enough money had to move back home, so the company did not have my address or phone number to contact me, in which they stated when I got in touch with them on XX/XX/2016. I made them aware that I did not know about this until I viewed my credit report myself. I called them they told me the account was written off for {$270.00} no other interest etc. Needless to say on my credit report XXXX has reported {$400.00}. I have set up payment arrangement directly with XXXX XXXX to pay the XXXX off. I contacted XXXX about the wrong amount reporting and the rep. was very rude and stated it does n't matter what XXXX is requesting you will have to pay the XXXX that we are looking to collect. Never had this happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
As of XX/XX/XXXX I attempted to log into my mobile app through Chime Bank. It alerted me that the account was closed and to contact XXXX. Which I then called because was very concerned knowing I had well over $ XXXX in my account time of closing. It prompted me that " my account was closed and only can communicate via email '' I then sent an email to the support team numerous times. 

They then asked me to verify my identity, I then had to show proof of ID and Social Security Card. Which I provided ID, Social Security Card, Birth Certificate, and most recent W-2 from my current job. To potentially expedite and reopen my account. 

On XX/XX/XXXX at XXXX I received an email stating I have until XX/XX/XXXX to remove all funds from my account. Knowing banks close at XXXX I was not able to get to a bank so I transferred all funds to my other link bank account which is XXXX XXXX XXXX XXXX. The next day I called Chime and they assured me funds takes a few days to process into another account. I waited a total of 5 business days. Called from a landline ( since they blocked my number from accepting live representatives ) The representative XXXX explained that the account was closed on XX/XX/XXXX at XXXX XXXX and they were unable to successfully transfer the funds to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email stating they made determination that they will not be issuing a check with remaining amount of funds that was in my account ( they have yet to disclose reason ). 

On XX/XX/XXXX I called Chime on another landline. The representative gave me confirmation that they would have to wait 10 business days from date that account was closed. He expressed give it 2 days and by XX/XX/XXXX I will be receiving my check with remaining balance on it. 

On XX/XX/XXXX I called yet again on another landline spoke with a representative briefly and automatically sent me straight to a supervisor. The supervisor then said they have not sent the check out. I explained I need answers since I have not had access to my money since XX/XX/XXXX. He expressed he " submitted an escalated ticket and I should be hearing something within the next few days ''. 

I've had a lot of patience and I'm at my end, I need help to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX credit score and earn close to $ XXXX a year ... All of this is in my application for credit. They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

NOTE : I filed a CFPB Complaint about this incident to which Capital One had lied in its reply that they contacted me. CFPB in their infinite wisdom closed this complaint without any resolution ....

If you close this complaint again without resolution or communication I will be forced to pursue litigation as you seem keen on avoiding mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Jacob Law Group, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Experian you have 5 items on this account that are in violation of the FCRA XXXX each you decide pay the the fine or remove this account IM not asking for verification nor validation because they are violation s you are reporting

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-04-07
Company: URS Holding, LLC
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i have never talked to them over the phone about debt or got any calls at all!! 
i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: Focus Holding Company
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My wife and I refinanced our home to obtain some of the equity in doing so some of our debts were paid off including BOA, the problem arose when the mortgage company made the check out for more than the balance owed. BOA received the check on XXXX. I called on XXXX and talked to a lady by the asked for a refund of the {$83.00} and also closed the account. I was told it would be mailed and I would receive it within 10 days. After calling five or more times as of today there is still no refund. On the XX/XX/XXXX call they were given a routing # and bank account # to deposit the funds, I was told maximum 10 business days. Still nothing. Today is XX/XX/XXXX. It's easy to see that they keep lying to me or just don't care.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the companies below has violated my rights. 

XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. 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 2016-02-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. 

Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. 

In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. 
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Conn's, Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I currently have 4 student loans with HESAA. This is a State agency that gives out Private loans to students with co-signers for college. I currently have 4 loans that I co-signed with HESAA ( or NJ Class ). I have tried to dispute the accuracy of the loans and written to NJ Class in regard to this. They neither responded to my letters or marked my file " in Dispute ''. They basically continue to ignore me. The account numbers are : XXXX, XXXX, XXXX, XXXX. My son has tried to go to the NJ Class offices and ask for help in reducing the debt or refinancing them. He was harrassed and told he better pay or else. This is what led me to asking for a dispute and for the negative marks to stop on the account. My first letter was sent on XX/XX/XXXX and recieved by NJ Class on XX/XX/XXXX. This letter requested validation of the contract with signatures as competent evidence showing the contractual payments between HESSA and my son and me as the co-Signer. This letter also put them on formal notice that I was disputing what they were claiming. When I received no response, I sent a second letter ( one for each account ) which was sent on XX/XX/2016 and received on XX/XX/2016. Again, I again outlined what they were claiming and indicated they were put on notice of a formal dispute and did not mark the credit bureau as disputed and they added more negative remarks. The NJ Class/HESAA does not believe they follow the same rules as all other creditors and they simply ignore the law. If I can not get satisfaction from filing this claim, I will need to bring them to Small Claims court, but I do n't know if that helps. I need you to review what this organization is doing and help these students who are being harassed and lives ruined by this organization. They are breaking the law under the Fair Debt Collection Practices and I hope you can help me in resolving this. I have been paying this loan now scrambling to get money to pay them equaling on a monthly basis as they are ruining my life and the life of my child without any regard. When you call them, all they say is " you better pay ''. I 've even written the governor who has done nothing but given my letter to the attorney general who writes me letters telling me she found some mistakes in my file, corrected them and then says you must start paying. No option, no help, no evidence. Completely ignores anything I have written in my letter. All four accounts have each had the same letters sent and all four accounts have been ignored. You are my last opportunity to resolve this. I want the validation of the contract in regard to these loans with signatures and I want my life back by cleaning up the history of missed payments since they have broken the loan and have ignored my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation