BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
CapitalOne is the card issuer. I signed on to the card offer when the promotional APR was 0 %. I had used to card to transfer higher interest cards over to ease my payments. At the end of the promotional term, the rate jumped to 22.9 % even with my always On Time payments made at minimum amount but mostly with an amount over the minimum due.    Original Card Agreements s tated : ( APR ) fo r Purchases:0 % i ntroductory APR through you r  XXXX /2016  billing period. After that, your APR will be 12.9 %, 17.9 % or 22.9 %, based on your creditworthiness. This APR will vary with the market based on th e Prime Rate .     My rate is now 23.40 %  ( Current Prime Rate  - way to stick it to me! ) and accruing steadily - taking advantage of my hardship even when I phoned them directly after learning my job was going away. I had knowledge of company closing in  XXXX     2016. I W orked until end of  XXXX     2016. I mad e all payments even if just the minum oOn Time until the last 5 months. And now, the la st 4-5 mo nths Its over my head. I 've struggled to stay on top of payments and I have not yet landed gainful employment. I am optimistic I will in the next few weeks. Trying very hard to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
worked out agreement with collection agency that was servicing the loan for XXXX which is XXXXXXXX XXXX XXXXXXXX the party for XXXX XXXXXXXX XXXX XXXXXXXX promised to not only remove and delete the file put also stated the original credtor would remove from credit reporting i dipputed this XXXX XXXX XXXX updated the balance and failed to remove the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I completed a dispute however it was not successful. They responded that mail was sent but I was not leaving in the address that was sent to due to XXXX  so I never received the letters. Now I want to rebuild my credit so I can buy a house but due to the Covid 19 im not able to pay the full amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon careful review of all  XXXX  credit reports I found a company named CONVERGENT OUTSOURCI listed in my reports attempting to collect a debt on behalf of  XXXX .     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: JPMORGAN CHASE & CO.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  's client  XXXX   XXXX  ; was notified  XXXX   XXXX  that his information was used to established a credit card wit h Chase, th e card had a balance of  XXXX  dollars on the account.  XXXX   XXXX  was contacted by t he Chase fraud  department once the account was established and was told at that time the account would not be reported to the credit bureaus. In  XXXX   XXXX  the fraudulent Chase account was found to be reported with all three credit bureaus and a dispute of ID theft was mailed certified mail return receipt to Chase and was signed for by "  XXXX  '' on  XXXX   XXXX   XXXX  ; this dispute included a POA, police report, demographic information and FTC fraud affidavit notarized. In  XXXX   XXXX  another credit report was ordered and once again the fraudulent Chase account was still showing this time with a late payment status ; a second dispute of ID theft was mail ; same as previous. This time the information was received  XXXX   XXXX   XXXX  and signed for by "  XXXX   XXXX  ''. No attempt to make contact with  XXXX   XXXX  was ever made by Chase concerning the reinvestigation of this fraudulent account either time disputes were sent. As of this morning  XXXX   XXXX   XXXX  this fraudulent account was sent to a collection agency . Chase  knowingly violated the FCRA and has violated the rights of my client by failing to properly reinvestigate a known fraudulent account and remove the information. In addition we attempted to conference call Chase about this issue and were advised " no information was on file concerning this dispute. '' We were told this AFTER I confirmed the return receipt showing Chase has the information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2021, i sent a letter to transunion to dispute the inaccurate and incomplete items that are on my credit report and has not heard from them concerning this matter. I am asking for the items to be deleted bacause the law states that it has to be 100 % accurate or deleted

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 2021-10-25
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is to express grievance with XXXX XXXX XXXX XXXX for unfair late fee charges that run contrary to Texas Codes, specifically : Texas Property Code 92.019.

Texas Property Code 92.019 prevents landlords from charging more than 10 % of monthly rent for late fees. On 4 occasions, XXXX XXXX XXXX XXXX issued late that exceeded the state allowed amount by more than 60 %. According to Texas Property Code 92.019, because my rent is XXXX XXXX monthly and more than 4 dwellings are housed in the building, late fees should be {$68.00}. 

On the following date, XXXX XXXX XXXX XXXXXXXX fined me {$160.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX Furthermore, XXXX XXXX XXXX XXXX disobeyed the CARES Act moratorium that prevents landlords from charging late fees from XXXX XX/XX/XXXX. However, XXXX XXXX billed late fees on the following dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Atlanticus Services Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello I do my monthly payments for my credit card, I always make a payment way before the deadline. My 6 months with no interest was going to end in XXXX, I called to let them know Im almost done paying and I havent seen that they charge me for interest yet. The person who I spooked to told me I had until XXXX to avoid the interest fee, as soon XXXX hit they charged me with a big interest fee and I try to avoid it and I been there loyal customer and they wont make a one time fee acceptation. I made paid off what I owe and the balance I have right now its the fee they added to my account and Im trying to get rid of that fee since I made all my monthly payment and Ive been a loyal customer to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I opened a checking account online at Citibank because they are close to where I live and I was behind on rent and my Management company was requiring a cashiers check. I deposited {$4900.00} on XXXX cash in the branch, which was to go to the nearly {$9000.00} I needed to pay toward back rent. On XXXX I initiated a bank transfer to Citibank For {$5000.00} from XXXX  XXXX XXXX. I was going to go to the branch on XXXX to get the cashiers check and the morning of XXXX, Citibank blocked my account and said they would close my account within 60 days and issue a check. I have no funds and just was hospitalized with XXXX  XXXX. Please help. 
I have nothing to live on and have to have a place to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-12
Company: Comerica
State: NM
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On  XXXX   XXXX ,    2017 I re ceive a Notice of Default and Intent to Accelerate.and paid the amount of {$12000.00} to cure the default On  XXXX   XXXX ,  2017 I  received a Notice of Denial of Escrow Cancellation since I owed the same amount that I had previously submitted in a form a cashier 's check.     Upon calling the company, I get completely different answers, and finally called yesterday and was told that the amount I sent was not going to be applied to the default and that I owed an additional {$10000.00} to cure the original default.     That I would lose my house if I did not give another {$10000.00}.     That the customer service number is completely useless, and that the supervisors are completely useless. They need to be monitored and need to go through ethics training to stop causing distress to so many consumers

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 2016-05-27
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Collection Agency has no right to contact me. They are not licensees of the State of Maine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 asap. 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 Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.

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 2021-10-25
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a report on my credit history of an account on collection and a derogatory mark on my credit without even knowing about debt, that happened on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that I owe an x amount to a cellphone operator which I didn't know I had without even giving me the chance to review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Comerica
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
It all started on XXXX XXXX, 2015, I have my payroll check deposit on my prepaid card, i check my balance on my card and it was well over {$300.00} dollars so I went into XXXX and pick up some lunch and to my surprise I could not use my card. I tried XXXX and it would not go through so I went outside to call and see what the problem was and they could not find anything wrong. It took two days for them to tell me that Comerica had my account block because I owe the over {$600.00} dollars, I ask them to cancel my card because I have not been to Comerica in over thirty years, They would not cancel the card so I cancelled my direct deposit for my check and the card is still open and they will not give me my balance that remains and all of the bills I use to pay this card with I had to change them but they are telling the bill people the card is over charged but I ca n't even use this card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Go Capital Holdings, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Stellar Recovery, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due the pandemic this policy was canceled and I was still being charged by this company. I have reached out to this company numerous time to have this issue resolved but it still has not. 
XXXX XXXX XXXX XXXX. 
Collection Amount {$2800.00} This inaccurate information is affecting my credit score in a negative way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NC
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, 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 XXXX {$480.00}

Company response to consumer: Closed with explanation