BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: January Technologies, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Transferred money from my Bank of America account to a contractor Bank of America account using XXXX on XX/XX/2020. Contractor did not complete services and broke the product I purchased. Filed a claim with Bank of America to return funds in early XXXX, but contractor has not responded to claim. Bank of America states that they can not force contractor to responding to claim. Since contractor is not responding to claim this should be taken as a sign of guilt and return funds.

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 2015-09-09
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal extended me a line of online credit without permission and put out an inquiry into my credit history, resulting in a lowered credit score. At no time did I give PayPal permission to extend me credit or to run an inquiry into my credit history. I believe this to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Issue: Other

Complaint:
THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am not responsible for this account. I have never done business with this company.

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 2022-08-18
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
You have helped me before with this situation. I made a purchased through XXXX  who uses Synchrony Bank to handle their credit services. My payments were not being posted and they made a comment on my credit report. The company was able to resolve the issue and started posting the payments appropriately.. This month they stated they did not receive my payment again. It was sent out on XX/XX/22 and cleared the bank. When I called to explain this happened before and it was on their end, they keep saying they did not receive the payment. I have one more payment to go after this one. It is almost paid off. The offer was 12 months same as cash and I am paying it off earlier. I do not want them to make me pay back interest.

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 2016-05-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.

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 2016-07-26
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, My date leacking by credit agency, few credit requests from someone, regular phone call for student loan, what I never taken, My date Leacking by XXXX, XXXX  and XXXX .Bless good  Lockout agency inform me about this. 
My emails XXXX what was used for request closed by me personally. 
I know this is illegal used my date for their purposes, but really I do not know now what I can to do? Need I write a letter for human right to courts? Or you can find different way? 
Additionally there involved my family, where agency transfer my request, do not show closed loans, and do additional request. 
Please let me know are this is discrimination by skin color?, By accent of languages? By nationality? By genger? because they send me messages regular where offer sex. 

Best regards, 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 2017-05-22
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  2017 this company received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX, ALSO XXXX XXXX, XXXX internet in XX/XX/2020. The internet equipment delivered was stated to be an easy self-installation. I spend several hours on hold waiting for customer service to have a technician sent to my house. A technician was finally scheduled on XX/XX/XXXX, but his arrival was 4 hours after the scheduled window of arrival time, and I was unable to be there to let him in. Several attempts to reschedule were not accommodated. I spoke to customer service several more times and they indicated I would not be charged as I never received any services from them. I returned the equipment to the local branch. On XX/XX/2020 they referred by debt to AmSher collection services. I told them the debt is invalid as I never was able to use the service nor connect to the internet through there services. They took this back to XXXX XXXX, XXXX who continues to contend that the debt is valid. AmSher is threatening to place a collection account on my credit report, and I think this is invalid and highly unethical. 

My Creditor account number is : XXXX My AmSher Acct # is XXXX I'd like to stop receiving phone calls and letters related to this and have this unwarranted collection service to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Williams, Rush & Associates, LLC
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Specified Credit Association, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights

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 2016-09-22
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I currently and since XX/XX/XXXX, have a car loan through Kia motor finance. I have made payments late but NEVER over 30 days. In the past I was 15 days late on payment and Kia contacted me but, when the did they introduced themselves as a different company, I believe it was Hyundai motor finance?? they called me and asked me for my personal information before they would speak to me and since I did not have a loan with Hyundai ( and anyone could call and ask for my information!! ) I became suspicious and would not speak with them. They were extremely rude. After I got off phone I called Kia back within in 24 hours and explained what happen. I they realized, at least I think, that the same company must collect for both kia and Hyundai. This happened to me 3 or 4 times when I had been 15 days late. Each time I complained and requested no one would contact me by phone again but rather by mail, I even on one occasion sent a letter with my request not to be contacted by phone. My request was never honored. I still received threatening phone calls. I always made the payment by the 28 or 29 day, if not sooner, directly to Kia and I always contacted them to let them know when I would make the payment and why I was late. Again this did happen several times through out the loan. In what I believe was XX/XX/XXXX, I spoke to someone at kia, again complaining because someone had called and was rude to me on the phone. This person was very nice and offered to extend my loan 1 month which would help me get caught up and I would not be late each month. She seem surprised that no one had offered to do this for me in the past. She actually extended my loan two months ahead I believe. I told her about the rude customer service I had received and she apologized and ASSURED me that I had never been turned in to the credit bureau. Earlier this year I received a copy of my credit report which showed that prior to talking with her Kia reported me to the credit bureau 4 times!!! None of which I was 30 days late, but they said I was!! I disputed this through the credit agency but still would not remove from my credit report. I contacted Kia and tried to get information about who I spoke to XX/XX/XXXX. They refused to put me to the correct department stating they would not take my call then they refused to tell me who I spoke to XX/XX/XXXX who extended my loan and told me that I had not been reported. After arguing they did give me an ID of XXXX?? I am not sure how this will help me since I can not be put in touch with this employee. I do not know how to have these false reports removed and why would someone at Kia lie about reporting me in the first place?

Company response to consumer: Closed
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2016-02-18
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i went to a XXXX school called XXXX located in XXXX fl. took out a loan with a company called XXXX to help pay for XXXX school. a few months down the road i ended up unemployed, becasue my wife joined the army leaving me with no choice but to quit and take care of my kid. 
so my loan ended up going into collections with a company called XXXX , Inc located at XXXX XXXX XXXX XXXX, Texas XXXX this is where their harassment began i spoke with them and told them about my situation and that once i find a solution ( job or some how obtain the money to pay them back ) that i would contact them. they went on and started call me every day and when i would n't pick they would call all my family and friends even people i have n't spoken to in years and they would call all family and friends every single day telling them about my collection and to tell me to call them back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Darnel Quick Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.

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 2022-02-25
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XXXX XXXX XXXX I reached out to confirm information and amount and I am unsure when I was charged this amount and have had no resolution.

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 2020-08-31
Company: Amerivest Mortgages
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX, requested XXXX  XXXX  branch manager to refund the XXXX dollars for overdraft fees. Funds were deposited the next business day to cover the over limit. 
Calls and e mailed were ignored. XXXX  XXXX is refusing to respond to my request. I am left with no choice but to request assistance from the CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I sent certified mail a dispute to Equifax regarding the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Investments Account Number : XXXX Account Name : XXXX Account Number : XXXX As part of the dispute I sent a FTC Identity Theft and police reports.

Company response to consumer: Closed with explanation