BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: Total Card, Inc.
State: AR
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:
TCI-TOTAL CARD, INC. TCI SOLUTIONS AND THE XXXX  XXXX  XXXX  HAVE SEVERAL CREDIT CARD BRANDS, NOTRIOUS FOR DECEPTIVE ADVERSTISEMENT AND MARKETING DESIGNED TO MAKE YOU FAIL BY VIOLATING F.C.R.A.-FAIR BILLING ACT ALONG WITH THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This should have been covered with my insurance I went back to the hospital a couple of days later and the insurance paid that claim I dont understand why they did n't file this claim

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 2016-09-18
Company: STATE FARM BANK, FSB
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I defaulted on repayment of a credit card through State Farm XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim State Farm is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: RMS-Recovery Management Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a XXXX Honda Accord on Sunday, XXXX XXXX, 2015 from Honda XXXX in XXXX, Georgia. I signed a contract stating that I was financing {$12000.00} at 0.9 % APR. I logged into my account at hondafinancialservices.com on XXXX XXXX, 2015 to make a my first payment ( they were delayed in sending my statement for an undisclosed reason ), and noticed that I was being charged a higher amount. My payoff amount was noted at {$12000.00}. I worked through the amortization, and calculated that if they the contract were funded at time of purchase, and Honda was charging me continuously compounded interest for 31 days, the maximum payoff amount can be is {$12000.00} ( rounded up ). 

They are therefore either charging me an undisclosed fee, or an interest rate higher than what I signed at. I specifically and verbally negotiated with the salesman ( XXXX XXXX ; this is the name on my documentation. I believe this is wrong ) and business manager ( XXXX XXXX XXXX that I will not be charged any kind of fee ( except interest ) for financing the vehicle through Honda Financial Services ( I have this conversation recorded on my mobile phone ). 

I will be happy to provide all documentation, spreadsheets, screenshots, and recorded conversations necessary in order to resolve this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NC
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.

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 2016-06-02
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I received a lease-end statement from Honda requesting payment within 25 days for {$550.00} for " Excess Wear and Use or Damage ''. I hereby dispute the charges as I have not been given full explanations of how they were estimated, the criteria used to waive certain charges, and I would like to ask clarifications as to what Honda considers excess wear and tear since it is not specified explicitly explained in the contract ( except for the tires ). 


After my first attempt of obtaining clarification from Honda Financial, I received a copy of the inspection report by mail, detailing the damage that was considered by the inspector to be excessive, and the estimated total cost to be {$950.00}. The excess wear and tear value in this report is higher than the {$550.00} being billed to me, but there is no explanation of what charges were waived and what charges were not and why. Presumably, Honda decided to waive the lowest cost repairs and to charge me the highest cost ones. Since the contract contains no provision of which charges get waived under the waiver provision, this should be interpreted in favor of the consumer and not of Honda. Similarly, the contract does not have an explanation of when certain types of damages are excess and when they 're considered normal. For instance, from the report I read that the left front bumper cover has a scratch of XXXX to XXXX inches, but no explanation of why this is excess, as bumper scratches are extremely normal in a car that is authorized to be used in abdense urban setting for XXXX miles. 


Likewise, I would like to request a correction of how my previous payments were applied. My XX/XX/<YYYY> statement had an amount due of {$110.00}, but I made a payment of {$250.00} and I request the difference to be refunded. Also, I returned my vehicle on XX/XX/XXXX and leased a new Honda vehicle, but paid the full month of my lease, until XX/XX/XXXX. I request the pro-rated unused days to be refunded. 

I sent this dispute to Honda by certified mail and it was received on XX/XX/XXXX. Their only response so far as of today was to call me and offer to lower the amount due to {$350.00}, which is still higher than what I consider I should pay, but I have not received a response, verbal or written, regarding my questions or my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
Requested information regarding the bankruptcy that appears on my Transunion credit report and it has been well over 30 days and have yet to receive any information regarding the investigation and the information I requested.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent TransUnion a letter with a list of unauthorized inquiries they literally never responded back it's been over 45 days since I sent the letter out.

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 2016-03-19
Company: Circleback Lending, Inc.(Closed)
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Applied for loan with Circleback Lending - after they solicited me for my good credit record. Submitted all documentation that was asked for. They asked for a promissory note from XXXX XXXX loan that I received in XX/XX/XXXX. I talked to them on the phone and received multiple form letters asking for the promissory note. Each time I explained there were XXXX separate promissory notes for this loan since the funding is provided by individuals. I provided copies of some of these promissory notes and was told it had to be XXXX promissory note. It does not exist. I was not able to get someone to look at this and treat it the way it should be treated. They denied the loan saying I could n't provide documentation. But I did provide the documentation that exists for the XXXX XXXX loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a XXXX policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX, insurance with XXXX should have been canceled prior, I switched to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Titan Receivables, 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: Account information incorrect

Complaint:
TITAN RECEIVABLES INC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to mis-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX You have incorrect information on my report this is the wrong docket number. This is a violation Remove Immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with this authority/leaser. I tried to contact you several times and ask for proof of ownership but you failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I leased a XXXX in XXXX of XXXX. Upon lease ending in XXXX of XXXX I was notified that there was a end of lease balance in amount of {$2900.00} for over miladge. I had conversations with American Honda Finance regarding this amount and had setup a payment plan, as I was unable to pay the debt in full in one lump sum. I specifically asked the representative if This debt was reported to my credit. I was assured that it was not. I was advised that after a certain period of time the money owed would go to collections, which I again verified WOULD NOT REPORT TO CREDIT. I have since noticed that this amount Is in fact listed as a negative factor on my credit report. I have called up American Honda Financial at : XXXX and discussed this issue with a representative. I was now being given Conflicting information and told that once the debt goes to collections, it Does get reported to credit. I was absolute, complicit and clear in my original questioning of the weight of this debt. I am in the process of securing a loan for my family to get by, and my credit score is Extremely important. I am Shocked aand appauled by the total disregard for American Honda Financials lack of competence by its empoloyees. I find this practice Highly unfair, unethical, and also a reason that Truth in Lending, Nd Honest Credit reporting rules and regulations have been enacted. I further looked into feedback on American Honda Financial Services and have seen multiple similar complaints. 

Please work with me to get this issue straightened out with them. I am making payments as I am able to on this debt, and was mislead and deceived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I applied for a loan modification from my mortgage bank Chase Bank ( Chase bank took over my original Bank Washington Mutual Bank ) Went to a chase mortgage office who only does the paper work for load modification. the paper work was submitted and I was on a mortgage trial from chase. Spoke to the person who was handling my case the about twice during the first month after that I was paying my trial payment on time. Went to the bank and made my payments. Keep making my payments, the one day went to make my payments and was told the bank no longer accepting my payments I must bring the account up to date. When I called the XXXX number to speak to the person who was handling my account/me. I was told she is not to be found and no one knew my account. and did not believe I was on a trial. I was told that I am eligible to apply for a loan modification. I kept applying then XX/XX/XXXX I was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification. I was then told by chase Bank because they add some XXXX ( {$90000.00} ) as interest to my loan I no longer qualify for the go government HARP loan modification. My original loan modification was {$1200.00} now its {$2200.00} a $ XXXX.more. and a 4.625 % interest. I had no choice to take the loan. A few months later I found out chase the same the with many other people and there was a class action law suit and chase lost. It appears chase Bank started loan modification with many others and never gave them the final paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase bank closed my account without any reason at all. When I asked them to give me a reason, they stated they do not need to give me a reason. This is an account that I opened in the branch, with all docs they requested of me. It is a business checking account for the NON-PROFIT CHARITABLE FOUNDATION that I started about 5 months ago. I have several other accounts at Chase - personal checking and savings, business checking and savings. They chose to close the account for my charitable foundation unilaterally and told me repeatedly that they do not need to give me a reason. I am not involved in any kind of illegal activity, or even any kind of activity that would be considered questionable. My charitable foundation is a membership organization that pools funds every month from members and donors, and writes a check to a recipient who needs the money due to medical bills, job loss, etc. I ca n't believe they would do something so heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was about five months late on my Chase Student Loan back in 2014. One month I tried to continue to pay at least the minimum amount due so my loan would n't be charged off. I could n't log on and contacted Chase to resolve the issue. They said they charged my loan off because I did n't pay the amount due. I found out that I accidentally paid around XXXX cents less than what was due. I was making an honest attempt to stay above water but apparently that was n't " good enough ''. Anyways, I 've been getting letters from them saying that I owe the balance due in full in the amount of {$22000.00} which I obviously can not pay. While being behind on the payments that I started to pay, I asked if there were any other solutions to lower the payment but they refused to work with me. In the letters that I get they say that they can work with me but I will first submit my complaint to you to get your advice. I do n't know if they are planning on suing me next or what. I 've managed to get on repayment plans with all of my credit card debt so that can be taken care of so it 's like I do n't want to work with them.

Company response to consumer: Closed with explanation