BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We have a loan with Umqua bank. They automatically retrieve the monthly payment from our bank account. They retrieved the monthly payment twice this month. They admit that they have accidentlly taken the monthly payment twice, however they have yet to refund the payment.

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 2021-11-19
Company: Jon Barry and Associates, Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the credit bureaus and to PARAGON XXXX on XX/XX/2021, in regards to a debt said to be owed in the amount of. The creditor is reporting inaccurate information on my credit report and it is affecting me. The Last Active date is a year off across all XXXX credit bureaus. According to XXXX U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i contacted said collection agency. he threatened to have my license suspended and further court action if i didnt pay him XXXX at XXXX pm XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Alpha Recovery Corp
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife  XXXX   XXXX  made a purchase on her  XXXX   XXXX   XXXX  credit card in the {$200.00} on  XXXX / XXXX / XXXX . The credit card bill was paid in full on  XXXX / XXXX / XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of the  XXXX  statement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  XXXX   XXXX , and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they  MAY  mark the debt as previously paid.     I have the cancelled check drawn on our joint  XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvious  one  ... they are trying to collect on a credit card account that their own information shows has a  XXXX  balance. This has to be illegal.     This group, Alpha Recovery Corp, or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   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
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My issue is with  XXXX   XXXX   XXXX  who are the bank for several store card such as  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX   XXXX , which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is the  XXXX  card. It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted  XXXX  they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score  because I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with  XXXX  bank until they have decreased all of my limits based on two months of trouble that has since been resolved. This is the second card managed by  XXXX  Bank where the credit limit has been decreased based on credit report. The report was provided by Transunion and the reasons listed were existing problems that had been on my credit report for years ( a  discharged bankruptcy that is over 7 years old  and a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, are two years old or older, existed when I had my credit approved/increased with  XXXX  Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that reason ).     XXXX   have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the Transunion Credit Report order hotline when they tell me they are sending me to an account specialist.

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 2017-04-25
Company: EQUIFAX, INC.
State: FL
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:
Equifax refuses to take a very old closed account off my credit report. The account was last reported in  XXXX  11 years ago.     Account Details Last Reported Creditor Name   XXXX   XXXX     XXXX  Account Type Account Status   XXXX   Opened Date  XXXX   XXXX ,  XXXX  Closed Date   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Monthly Payment --   XXXX   XXXX   XXXX     Balance {$600.00} Highest Balance {$10000.00} Payment Status  XXXX    XXXX   Payment Status -- Date of Last Payment -- Amount Past Due {$600.00} Times  XXXX / XXXX / XXXX  Days Late  XXXX  Remarks --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When Working  w  ith The Collection Agency Professional Credit Services multiple calls was made to phone #    XXXX   XXXX   XXXX   XXXX   and  XXXX . I Was told on the   XXXX   XXXX   XXXX   by  XXXX  in the litigation Department that a refund of my garnishments was sent back on the    XXXX   XXXX   XXXX   either to  my home address or my employer. This was from a call initiated by me do to the attempt From PCS to garnish my wages for a second time. This was resolved by a copy of a document I had provided by the  XXXX   XXXX  stating they had paid for the balance owed the full debt, through financial assistance. After finally verifying the letter that was a receipt of the full balance being  XXXX ,  XXXX  then explained the garnishment amount was to be returned in full.   I had received the amount of {$440.00} already handed to me in form of a check issued on  XXXX / XXXX / XXXX  and was told that I would need to wait for  XXXX   XXXX   XXXX  to contact the client before I would receive the remaining {$830.00} and when  XXXX   Had  told me of the return of that {$830.00} on  XXXX   XXXX , I had went ahead and used my credit card to make purchases expecting the check to reach my employer or my mother 's by the time I would got paid on the  XXXX . I had already called my employer immediately following my first call with  XXXX  the week prior to the  XXXX  when  XXXX  informing me the check was sent out but yesterday on the    XXXX   XXXX   XXXX   I called the payroll department to follow up on the check to see if I should  use my Credit Card anymore and that 's when I was told that the check has not been sent out yet and that PCS is still deciding on how to send it out.   I have been working with PCS Sense  XXXX  when I first received the notice of the next round of garnishments which ended up happening fo r two p ay checks and PCS immediately returned the {$440.00} when I had sent the documents through email. But to find out that I was lied to several times through multiple calls along the lines of " You are not receiving the garnishments back '' from the first full round taken in  XXXX  too " The check was sent out '' and now the result of  XXXX  's lie is there are purchases on my credit card that will become a financial burden because I was lied to which is deceiving behavior.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX I received email below about an account that was open back in XXXX per Rep. I inform her I never open this account and someone stole my identity, there was a fraud alert added to my credit b/c of it she stated I had to send my info her. 


NCA Account # : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX  XXXX Original Account # : XXXX Dear XXXX, We are pleased to extend you discounted offers to resolve the remaining balance on your account! Contact us for assistance on a plan that works for you. 


Here are your available options : Option XXXX Option XXXX Option XXXX Build Your Own ( Full Balance = {$1500.00} ) Save {$770.00} Save {$460.00} Save {$150.00} No savings, but Pay only {$770.00} if payment is received by XX/XX/XXXX. Pay {$360.00} monthly for XXXX months if first payment is received by XX/XX/XXXX. Pay {$110.00} monthly for 12 months if first payment is received by XX/XX/XXXX. Create a plan that works for you! 
In a position to move past this now? Take advantage of great savings. Need savings with a little extra time? This might be the right choice for you. Trying to balance savings with a lower payment? 
This makes it easy! Contact us today for additional options. 

We are not obligated to renew these offers. Several payment methods are available. These options are both convenient ( save XXXX XXXX XXXX ) and worry-free ( your payment is always on time, even if youre busy! ). 

XXXX ) VISIT XXXX XXXX Enter your NCA account number ( XXXX ) and your five-digit zip code ( XXXX ). This online service is available to you XXXX hours a day. 

XXXX ) SCHEDULE PAYMENTS Want it to be even easier? Payments can be automatically scheduled via checking, savings, debit or credit card. Call us to learn more ; the process is painless and secure, and well even send you payment reminders! 

Learn more : XXXX Pay online : XXXX XXXX us : XXXX This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

Make a Payment! 


po box XXXX / XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX Continue scrolling for notice of important information. 

National Credit Adjusters Physical Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Coulter Dove & Harris, PC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified in any way, by mail, email or phone call, of the court case or that there was even a debt collection to my name. On top of not notification being received, the debt collector argued they had tried to send mail but put no efforts in finding my actual address, although I had officially changed it within the  DMV.  Another issue is that I am involved in this case, solely because I am not a minor and had lived with my mother, the sole person responsible for this debt is my mother and the debtors decided to charge both of us, simply because of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NJ
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:
Remove the following accounts : XXXX XXXX XXXX This accounts are in violation.

15 U.S.C. 1681b permisible purpose of consumer reports.

Credit reporting agency does not meet any circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made a principal overpayment that posted to Toyota Financial Services on XX/XX/XXXX ( verified on their website ) ... .Since that time my account is still showing I owe {$100.00} for a XX/XX/2022 Payment. It still shows I have a balance due on my loan. My first call to them to discuss this matter was XX/XX/XXXX. I've called them and messaged their online numerous times and was told it would be fixed in 3 days it wasn't I contacted them again they said it would be posted on my account by the end of the day on XX/XX/XXXX. Once again it wasn't posted so I messaged them in their system again and that I last contacted them on XX/XX/XXXX... which was false... .today is now more than 7 business days from first contact and they haven't fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -AT T XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-11-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank contact me on XX/XX/XXXX stating there was unusual activity on my account. I advised them it was not me. They closed the account and sent me a new card. They also reversed the fraudulent charges back to my account on XXXX. On XX/XX/XXXX I checked my account and noticed all the fraudulent charges were back and my account was now overdrawn. I contacted Chase immediately. There are important bills due to be withdrawn from my account. They stated an investigation was conducted and it was determined that XXXX  marked the charges as bill pay so they can not reverse the charges and I should contact the company who took the money. I told them I did that. The company does not exist. Two separate agents advised they can not help and to have a nice weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation