BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Advanced Collection Bureau, Inc.
State: TX
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:
XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.

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 2015-06-24
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Voss & Klein are reporting a collection account on my credit report, that has not been validated. I have never received any letter which gives me XXXX days to dispute the validity of their claim. Under The Fair Debt Collection Practices Act, I 'm suppose to receive a letter from Voss & Klein that gives me the right to dispute this claim before placing the item on my credit report. Voss & Klein says the original creditor is XXXX, I contacted the original creditor and requested a copy of a contract, or credit application with my signature, which I never received. I only received a copy of a billing statement with an address I never lived, and XXXX phone numbers that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Genesis FS Card Services, 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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

CB INDIGO - Past due is XXXX. Then payment status should be current & Comments should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, About almost XXXX years ago my husband and I lost our home that was financed by Flagstar bank. We tried for about a year to try to modify our home with unanswered questions. They asked for paper work, we sent it. They kept asking for the same information over and over and over. They seemed to want to help us but once they received everything they asked for they said it was too late. I have faxed papers over and over and over and even had different agencies trying to help me modifiy my loan. Nothing was done and my home was foreclosed on. We did not want to lose our home and tried everything in our power to try and save it. Whatever they asked we did. From papers being notorized to simple bank statements. they received it all. They kept sending the same request over and over and we kept sending everything. They did nothing. This bank had no intentions in letting us modify are loan and its plane simple and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please

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 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The account XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2022-11-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied on Chase 's website for a Chase Freedom Unlimited credit card on XX/XX/2022 and received a confirmation of my application. The next day, on XX/XX/2022, I received a call from a Chase customer service representative who wanted to verify my current address and confirm that I had applied for a Chase card the prior day. After verifying my information with the customer service representative, I subsequently received a letter in the mail from Chase claiming that the company have received my application and that I needed to call Chase at XXXX to confirm my application information. I proceeded to call the indicated number on XX/XX/2022 at XXXX XXXX and on XX/XX/2022 at XXXXXXXX XXXX, which was during the indicated customer service hours. 

Both times, I received an automated reply after verifying my identity that my application was being processed, no further action was needed from me at the time, and that I would receive a letter in the mail with the decision of my credit card application. After a while of not receiving any contact from Chase, I called the indicated number again on XX/XX/2022 at XXXXXXXX XXXX  and reached a customer service representative this time who informed me that my application was closed since I had not called the indicated number within 30 days of applying for the credit card. When I explained to the customer service representative that I had called several times, they informed me that my application was already closed and that I would need to reapply for my desired Chase credit card. The customer service representative mentioned that they were not certain why I needed to call them originally as part of the application process because the system indicated that I did not need to provide any additional information as part of my application. 

Overall, this is a frustrating, unfair outcome as I had complied with Chase 's requests about completing my credit card application, the company claimed that I did not comply with its policies, and subsequently closed my application regardless. Also, I will now be less likely to be accepted for a credit card if I reapply soon as I have a recent inquiry in my credit bureau record, along with any further impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, i saw i had a pending transaction for {$100.00} from a company called XXXX. Never heard of them. so I called chase they cancel the payment and i submitted in a claim. On XX/XX/2022 they revered it and charged my account. they said XXXX submitted in a form with my name and address and a tracking number.. They were going to send me a copy. On XX/XX/XXXX I called back and got the tracking number, the picture of the delivery is not my house, so I called XXXX, they couldnt give me the name on that package nor the address but they did verify that it wasnt my name or my address. I called chase and they didnt care. I went into the office and had XXXX on speaker phone and they said nope that doesnt work. They said I need a letter from XXXXXXXX stating that tracking number does not match my name and address. I called XXXX for over 3 hours and i couldnt get a letter because my name is not associated with the package. I called back chase, they refuse to call XXXX or even on three way. They closed the claim and wont reopen until i give them evidence. I even asked if i send pictures of the house it was deliver to and mine to show they are not the same. They still refuse. I have tried calling XXXX at XXXX i have been calling every day this week no answer or a cb. please help me. i am a XXXX mom and this is alot of money for me. tracking number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was sold from XXXX to Salene Finance in XXXX 2015. I paid my XX/XX/XXXX payment to B of A but Selene never got it and assured us during the transition I would not be assessed late fees or report negatively to the creditors ( which I was ). Long story short my husband have just come out of a 4 year on off unemployment steak we asked Selene for a payment plan and submitted our paperwork. We made our XX/XX/XXXX and XX/XX/XXXX Payments but they are not reflecting as being paid so we look 4 months behind. They denied our request for a payment plan because they want to come into our house. Now when we modified with XXXX they did an outside inspection. We live in this house it 's an invasion of our privacy and they are n't applying our payments so they can kick us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
About a month ago, we changed bank accounts from XXXX XXXX XXXX to XXXX ( we are both military veterans and felt that XXXX would provide us better service than we had been receiving from XXXX ). Within a day or two of switching our account, we went to all of our creditors and updated our payments for autopays that had originally been through XXXX and now would be through XXXX. This included paypal as we have quite a few autopays that go through this payment option such as our tv streaming subscriptions. XXXX had been informing us that some of our payments were being returned and we were ending up with return fees of {$35.00} a piece. We informed paypal about this and stated our payment option had been updated to distribute payments from our new default account - XXXX debit card. We removed our previous debit card via XXXX, however, paypal would not let us remove the XXXX checking account #. We did n't think this was too much of an issue as we had made our default payment option as our new debit card. We found it strange that it would not let us delete the previous bank account though. We had emailed paypal about this concern, but we have not had a reply at all. Additionally, we wanted to escalate this as paypal did this previously to us about a year ago when we had switched from XXXX to XXXX bank. They had apologized and deleted it for us over the phone, however, the damage had been done even though we had done what was needed to update our paypal account. 
We refuse to make payments to cover up a situation that could have been avoided had paypal not kept our old account in ( even though there had been multiple attempts to delete it and we had made our default payment option via our new debit card ). Based on our previous experience with XXXX, it appears that this is a common situation, however, I am not sure what paypal would have to gain from not updating an individual 's banking info. Strangely, some of these withdrawals are coming out of our closed account while others are coming out of the debit card we made default. It is odd how payments are not all coming from the same place. 
Either way, we feel our follow up and desire to remedy the situation has been thorough, especially having to go through this same situation a little over a year ago. Paypal needs to change their way of documenting payment options as we do not seem to be the only individuals suffering from this. 
I 'd like to ensure that paypal cover any return payment fees from XXXX and also write a letter to XXXX stating that it was because of their inability to update our account to our current payment option, this occurred. In the meantime, it looks like we have carelessly allowed this to go through XXXX when that is the last thing we would have wanted. 
We thank you in advance for any assistance you can provide to us. 
Respectfully yours, XXXX XXXX XXXX ( main account holder under XXXXXXXXXXXX ) XXXX XXXX XXXX XXXX XXXX spouse )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My rights are constantly being violated & disrespected by Experian credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-11-18
Company: CarMax, Inc.
State: GA
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:
CarMax has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section

Company response to consumer: Closed with explanation