BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/XXXX XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am considered below poverty level. I live in subsidize housing and get food stamps. I don't have enough money to pay my bills. I'm XXXX years old and I'm experiencing some severe health problems, XXXX XXXX. I can't take the XXXX. I have nothing to give. I called them several times and wrote them a letter explaining my situation. My bill was {$400.00} dollars at the time but I'm sure they packed on the fees and penalties making it astronomical to me. They are Synchrony Bank. They call every single day, sometimes it's XXXX times. I tried blocking them but they manage getting past that. Please silence this for me. Thank you for your time and consideration.

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 2022-05-13
Company: EQUIFAX, INC.
State: CA
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 accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this XXXX item so many times with Experian, it is a XXXX XXXX XXXX mortgage XXXX which is PAST THE STATUTE and should not be listed. Please help

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 2022-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank didn't refund me the money in my account after closing my savings bank. I have called Citibank a lot of customer service calls but they are always making excuses. The reason I asked them about not refunding my money was because I deposited two checks in, and Citibank felt that there was a problem with one of them and asked me to contact the person who wrote me the check to talk to their bank. I made a special trip to his bank with the person who wrote me the check, and the bank told me that there was no problem with the check, and they had contacted Citibank to explain the situation. The bank told me that the check money had reached Citibank, and the bank could not make a claim without the check being ok. But I contacted Citibank customer service and the only option they gave me is that I need to go to this bank to make a claim, but the bank told me that if I want to make a claim, it will say that the check is stolen, so I can't do it Because there is nothing wrong with this kind of check. I was thinking that Citibank didn't want to refund my money, the only option they gave me was that if I wanted my money back I had to say that these two checks were stolen by me but I didn't, if I did it would affect me very bad. This is Citibank making a trap to make me jump, they just want to embezzle my money.

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 2020-06-09
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 Covid 19 Started .... At the time I was working with XXXX XXXX XXXXy. I filled out paper work to have a forbearance. It was agreed upon with my payments being deferred to the back end of my mortgage. I didn't worry as much. About 3 months in when I was going to start my mortgage back up I find that the note was sold to Gregory Funding. I reached out to this company to make sure everything was still in order. I was told they don't do deferments and full payments are due. That was close to {$10000.00} We don't have $ XXXX to pay upfront and now. And we can't afford to add principle onto current mortgage. I checked to see if the note was still backed by XXXX or XXXX and find out its no longer back or protected with the Cares Act.. As a consumer what can be done. I find this act of selling mortgages last minute is so unfair to the consumer. So I am trying to borrow funds from family members to get this done so I don't lose my home.

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 2022-05-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX 

These inquiries are unauthorized. I have attempted to resolve this with the credit reporting companies I was instructed to file an FTC report which I did and they still haven't corrected the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was removed and reinserted multiple times by a few companies as well as re-aged.

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 2022-05-13
Company: Professional Finance Company, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bankruptcy, XXXX  XXXX, was filed in XX/XX/XXXX and discharged. A collection agency ; Professional Finance Company , Inc. sent me a collection letter dated XX/XX/XXXX, pertaining to medical debts prior to the bankruptcy. The bankruptcy is public record, the collection agency should have vetted the account prior to sending out a demand for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a round-trip ticket from XXXX XXXX on XXXX XXXX, 2015 using a credit card ( card # XXXX ) from Capital One. On the return leg of the trip, XXXX XXXX required me to pay a baggage fee, which I did using a DIFFERENT credit card ( card # XXXX ) from Capital One. The trip was then canceled and XXXX XXXX eventually refunded some of the monies ( about XXXX % of the round-trip ticket ) onto the original card to purchase the ticket. When I tried to get a refund for the baggage fee on the OTHER credit card, they could n't find the purchase in their computer system and nothing was refunded. I then disputed the purchase to Capital One. 

Capital One took my complaint, but then denied my refund since XXXX XXXX said they refunded the baggage fee onto the other card, yet they could n't find the baggage fee on their computer system when I called to ask for a refund? They also denied it because I did n't provide a refund receipt, which I never received from XXXX XXXX. Since XXXX XXXX has that data, should n't they be required to either give it to me in the first place or supply it themselves? I also want to know how an XXXX like XXXX can say they refunded monies to a credit card that was n't even used to pay for the baggage fee originally? Since I used card # XXXX to pay for the baggage fee, how can they say they refunded the baggage fee money to card # XXXX, even if that card was used to purchase the original ticket but not the baggage fee? 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: DocuService
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020 I went into an agreement with DocuService Loan Repayment XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX informed that because I worked for the State of New York they could pay down my Federal student loans at a lower rate. I started paying them on XX/XX/2020 -XXXX. I made 2 more payments for that amount. Then I made 8 more payments of XXXX  each. Total of XXXX  was debited from my account by this company and never forwarded to Federal government therefore nothing was deducted from my student loan. I spoke with XXXX XXXX and XXXX XXXX. Today I spoke with XXXX XXXX # XXXX. He told me the XXXX  fees were for enrollment and then the XXXX  monthly payments were for the loan. He then hung up on me when I asked where the money was going. 
I have called and emailed this company numerous times. They either ignore my calls and emails or hang up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is about a Macy 's Department Stores National Bank card. I changed my address a year ago and they still sent my new card to a previous address. I was unable to register the replacement card online or over the phone. They never sent me a paper-bill for the new credit card until I called to request it. I mailed a letter to them on XXXX XXXX 2016 canceling my account and requesting a final bill. They sent me a monthly statement belatedly and charged me a late fee. In anger, I cancelled my account on XXXX XXXX 2016. On XXXX XXXX, 2016 I called and my account is cancelled but they had no intention of sending a letter to confirm the cancellation until I requested it.

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 2020-06-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted my XXXX loan forgiveness application. I worked from XX/XX/XXXX to XX/XX/XXXX at a low income school as a XXXX XXXX. My XXXX signed off to the fact that i fulfilled my contractual dates for 5 years completed at the XXXX XXXX. Due to the corona virus i left my school district in XXXX in order to keep my family safe and in tact. My loan borrower, navient, denied my application and will not allow me to appeal their decision. They are also still taking out automatic payments and incruing interest with the corona virus going on. All i really want out of this complaint is for them to forgive XXXX of my student loan for working as a science teacher in a low income school for the equivalent of 5 years that my XXXX signed off on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.

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 2020-06-09
Company: STATE FARM BANK, FSB
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
State Farm Credit Card was open as identity fraud please send me all the documents and proof of suffocation it was put in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with XXXX that the products they sent were not of adequate quality and didn't match the website description. 

The response I got from Capitol One is to get a major clothing retailer to put on their letterhead their assessment of the quality of this clothing and the cost to correct the clothing. That is not possible. No retailer is going to put that on their letterhead, and there is no way I can get to anyone at one that has the authority for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ALLY FINANCIAL INC.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.

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 2022-05-13
Company: Duvera Billing Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX i have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX at XXXX XXXX ( PST ) I requested a loan from Affirm.com to cover the cost of dental aligners, in the amount of {$1800.00} provided by the online company XXXX. 

On XXXX XXXX I contacted Affirm.com and XXXX to cancel the Affirm.com loan. 

However, on XXXX XXXX, both Affirm.com and XXXX ignored my request and continued to push through the purchase despite my XXXX day cancellation. I have not received any merchandise. However, I have received an email from Affirm.com which acknowledges my rescission of the loan within the XXXX days allowed. However, the merchant did not respond to either their request or mines. Both, Affirm.com and the XXXX provide conflicting information and continue to delay cancellation, despite no receipt of merchandise. After, several long and exhausting phone calls to Affirm.com customer care I have been given the run around, and they are still engaging in ongoing " bait and switch '' of information. 

In accordance with Affirm.com all phone calls made to the companies have been recorded with all parties acknowledging such recordings. These files are also available for your review. 

In light of the above information, I am requesting your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions 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:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX , XXXX, KY 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 non-monetary relief