BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.

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 2015-10-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX sold an item online ; she received payment by check on XX/XX/XXXX. The check was for more than the item she sold ( {$1900.00} and the item sold was for {$660.00} ). 

On XX/XX/XXXX XXXX sent via the XXXX app ( from within the Bank of America app ) the sender {$1300.00} ( XXXX XXXX ). 

Later that day Bank of America reversed the deposit ; a claim was filed with B of A ; B of A claims the transaction was valid on their end and XXXX is not their responsibility. 

B of A has the information of the recipients bank account but will not release this. A police report has been filed as well. 

B of A takes no responsibility for the XXXX platform used on their App.

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 2022-07-20
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022 someone tried to use my on line banking at XXXX Bank. We closed account and opened a new account. Recently I received a notice from TRS collection that I owed {$4000.00} for a debt owed to XXXX XXXX XXXX. I know nothing about this. It seems someone opened an account at XXXX XXXX Bank in my name and address to pay for whatever they spent. I told TRS this was not me and now they sent a list of paperwork to fill out. I am XXXX XXXX XXXX and trying not to get upset about all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-22
Company: American Collections Enterprise, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Amcollent showed up on my credit report. I do n't owe anyone. My bills are paid on time. Also I have never lived onXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A couple of years ago I helped a friend and cosigned a vehicle. He and I purchased an XXXX XXXX. Now that my friend is now struggling to make payments, a lot of late payments has affected my credit. I have educated myself on learning more and more about credit repair and have been doing whatever I can to maintain good credit. Unfortunately my friend, XXXX who purchased the car with me, has been struggling to make payments. It was my fault for not properly reading the documents and just signing on the line. I now am trying to help him payoff the vehicle and I tried to get the vehicle refinanced. Unfortunately I was denied twice due to the vehicle being a negative equity. As I read the payoff balance, and I now understand interest rates I believe this bank did, and has been taking advantage of the low income population. XXXX and I have been paying a 17 % interest rate on a XXXX loan. And from the document I see they are charging {$7.00} dollars of interest a day. I do not think this is a normal tactic. I 've reached out to Firstbank countless time for help and they refuse to help me. I have thought about the different ways to get myself out of my situation, but I have too much integrity. There is no possibly way I can refinance the vehicle with its current balance, and I am stuck paying this high interest. This is not a normal percentage of interest, and because of the value of the vehicle, and the interest rate, and the term of the loan, this was without a reason of a doubt, destined to become a negative equity, and the bank knew this from the beginning. Not surprisingly I was promised lower interest rates after 6 months of payments and that never happened. I see no end to this loan, I will be repaying this for the rest of my life. The bank has the control, and refuses to help my situation. Although payments were late, we are up to date, and it 's extremely unfortunate of the sleezy tactics these financial institutions use. I 'm only XXXX years old, and am contemplating bankruptcy, something I do not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Franklin Collection Service, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I checked my XXXX credit report and realized there was a collection reported on my account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I immediatley contacted XXXX XXXX XXXX to find out why this was reported to my account. They could not give me an answer and asked me to mail a validation letter to their corporate offices. A days later after preparing the letter I realized the ccount was no longer reporting. 

XX/XX/XXXX I received a notice from FRANKLIN COLLECTION SERVICE , INC stating that an account Owed to XXXX XXXX XXXX was placed with their office for collection. I immediatley sent a letter Sunday XX/XX/XXXX asking to validate the debt because I had no clue why they would be contacting me. ( That letter was recieved by FRANKLIN COLLECTION SERVICE, INC on XX/XX/XXXX at XXXX am USPS XXXX # XXXX ). 

XX/XX/XXXX I started recieving credit monitoring alerts stating there was a collection reported. It was from FRANKLIN COLLECTION SERVICE , INC . I immediatly looked at the letter again and it was dated for XX/XX/XXXX. I checked the envelope which I still have and there was no date on the envelope. Again I recieved this letter on XX/XX/XXXX. 

XX/XX/XXXX I contacted FRANKLIN COLLECTION SERVICE, INC over the phone. I first spoke with XXXX XXXX and after requesting a manager I was connected to the Supervisor XXXX. After talking to XXXX, she informed me that FRANKLIN COLLECTION SERVICE, INC would request deletion from all credit files. I was also informed that I could send the letter confirming this info to the credit bureaus. I have fowarded the letter and the account remains on my report stating that FRANKLIN COLLECTION SERVICE , INC has updated the account as reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Contacted my place of employment Spoke with my supervisor XXXX who asked them not to call again and called back and spoke with my coworker and discussed by account and how they are pursuing legal action, they have my contact information and still are calling third parties including my job, my grandfather and auntie and discussing my debt with them, When i contacted the company they then told me that he told them i was not paying th edebt when thats not what i said,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car is financed with Chase, I bought the car on XXXX/XXXX/14 and my first payment was made on XXXX/XXXX/14. I went into XXXX XXXX XXXX XXXX XXXX to open a secured loan and credit card in an attempt to rebuild my credit, the Manager told me the car was not on my credit report and advised me to go contact them to get them to report the car, I went into the XXXX Branch XXXX and they called the credit department with auto and I spoke to someone and he assured me it would be taken care of in no later than 6 weeks, I called after the new year to check on the status and spoke to XXXX XXXX XXXX ext XXXX went thru the whole story to explain, she told me the problem was with XXXX and I was to call them and get it put on the credit report, she gave me all XXXX reporting agencies phone numbers, I called XXXX XXXX and was told it they could n't do anything about it, it was Chase 's responsibility to put on my credit report and they were the only XXXX that could. I called Chase back and spoke to XXXX she said she would look into it and call me back, she called me back and said they could not put the trade line on XXXX XXXX and that they pulled it off of all the bureau 's I did n't know it was on any. So now I requested her manager and was told XXXX XXXX would be calling me, I waited 2 days and no one called me. So I went into the Chase branch at XXXX XXXX XXXX, XXXX, La. XXXX and spoke to XXXX XXXX ( branch manager ) AND explained again she called credit department and after several departments she had to speak with we got XXXX XXXX on the phone the same person that never called me, she said there was something defective with getting it reported to XXXX XXXX, and said Chase decided to pull the remaining agencies. I requested all XXXX to be reinstated and she said it would not because I had requested the Corp Office address of Chase and I could call them.I did tell XXXX that I have never heard of this happening and asked for the XXXX address to report it to and FTC and the Consumer protection agency, due to I pay my loan on time every month and can prove it, I feel as a consumer my rights are being denied.I am a single person trying to rebuild my credit from Foreclosure and Bankruptcy. I am in the process of opening a new business and this is very important to my credit score. This car was bought after the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I was traveling abroad in a remote area XXXX 2015. Prior to my trip, I contacted a Capital One customer rep to help me set up a future automatic payment while I was abroad, as I anticipated I would not have easy access to internet. When I returned, I realized the payment had not gone through and they filed a 30 day late payment for XXXX 2015. I believe that this is an error on the part of the Capital One rep, as he set up the automatic payment incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am not sure where to start on this matter because I am highly upset with ACS education to the point where I have filed formal complaints with several institutions ( XXXX, U.S. Department of Education, etc .... ). 

I have been diligently working since XX/XX/XXXX, trying to work with ACS in regards to the XXXX students loans. I recently consolidated my loans with the Department of Education/Nelnet in XXXX XXXX. I have had a great experience with them in the past, so I wanted to include my XXXX ACS loans in the consolidation. Long story short, XXXX has sent over a number of XXXX to ACS only to receive several different responses : There is a XXXX balance ; we do not have the loans ; We no longer have the loans because they are in the process of being transferred to NSLP ; we have the loans, but they are unable to be included in the consolidation because they are " Temporarily Uninsured ''. That was information that was sent back to XXXX in regards to the XXXX. I was told by ACS education that the XXXX were NEVER received, so XXXX was sent manually. I have been given so many different stories. 

I decided to open up a case with the Office of Ombudsman in which they have been trying to get in contact with you in order to get this squared away. In addition, XXXX sent another XXXX out to ACS. Since you were out of the office last week, I decided to call XXXX XXXX in regards to a deferment to my loans since I was in school. He flat out told me that there was nothing I could do because of the status of the loans. Then he rudely suggested that I needed to wait to on you to get back in the office and flat out hung up in my face. Luckily, I have started to record all of my conversation with you all so that I can submit this with my case. 

The issue I am having is ACS is steadily reporting to the credit bureaus when it has been confirmed by the Office of Ombudsman that if they loans are " Temporarily Uninsured ''. The National Student Loan Database shows that the loans were in that status effective XXXX XXXX, XXXX which means that the late payments should come off of my credit reports across XXXX, XXXX and XXXX. On the other hand, the Grantor advised that the loans were in good standing based off of what ACS has been providing National Student Loan Program ( NSLP ). If that is the case that my loans are in good standing, there should be no problem will releasing my loans to XXXX. 

This is truly my last attempt in trying to get the late payments removed from my credit reports from all XXXX credit bureaus and to have those loans released to Department of Education/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Have additional information pertaining to complaint XXXX i had contacted see XXXX and hey said capital one was responsible not them i called back capital one and they said the claim was denied but they maybe able to do somthing in 5 days today i called back capital one pertaining to the account that had to be moved to another account so additional fraud would not be done to the account ending in XXXX and which i was getting .1.50 interest and after this fraud now the bank under the circumstances is penalizing me give me a 1.0 percent rate and today noticed its XXXX this is terrable bad enough a crime was committed and they are showing a no care attitude towards me as a customer, I like this bank a lot and never had a problem in the past until now when I spoke to supervisor XXXX when I was explaining my situation felt he was disrespectful and was talking over me and not allowing me to talk and this is a supervisor can somone please help me with this situation I feel very bad this fraud situation took place but the experiance in the bank is making things worse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a debt collection for a false claim by XXXX. I filed a complaint with consumer financial protection bureau ( cfpb ) on XXXX. 
CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/2020 I received a collection notice from credit collection services dated XX/XX/2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation