BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: Platinum Holdings Group, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Accounts XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; Medical XXXXBalance : {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I moved from XXXX to XXXX XXXX in 2016 and every time Id try and pay my bills they would put a hold on my debit card. When I went into the Wells Fargo on XXXX XXXX XXXX in XXXX XXXX XXXX to correct the problem they wouldnt help me! I closed my account and went to 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 explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had Opened XXXX Accounts with Wells Fargo after my mom passed and the funds I deposited money that I received from her estate. I often transferred money in between the XXXX accounts. 

I personally feel that some of the money was misapplied or duplicate withdrawals were made out of the account but actually only made XXXX withdrawal. The interest and other fees charge for Wells Fargo I thought were improper as well.

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 2023-01-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My XXXX score dropped by XXXX points due to two late payments on my personal line of credit from XXXX XXXX XXXX XXXX. After paying off the balance in XXXX of XXXX there was a residual balance of {$0.00}. I tried to pay the residual balance online but for some reason the app did not allow me to do so. So unfortunately I ignored the discrepancy. In XXXX and again in XXXX I was charged late fees of {$25.00} and late payment notifications were sent to all three credit bureaus due to a {$0.00} balance. My FICO scores them dropped by XXXX points from XXXX to XXXX with Experian. I filed a dispute with Experian which resulted in no change in XX/XX/XXXX. I then contacted my credit union. They apologized for the discrepancy, refunded the penalty charges, and submitted revocations of the late payments to the credit bureaus on XX/XX/XXXX. 

I have attempted to refile a dispute with Experian but was not permitted to do so because of the previous dispute. So far Experian as not acknowledged XXXX revocation report and I do not know how to get their attention to restore my FICO score. They are impossible to deal with. All they do the s try to upswell customers with useless financial products and make it exceedingly difficult to get any useful support. 

Why should a late payment on an account with a balance of XXXX cents cause a FICO score to drop XXXX points? There is no qualitative assessment done when calculating these scores. Further the FICO score algorithm used to calculate the score is completely unknown to the consumer. As such the consumer is unable to reproduce or calculate their own scores to validate the credit bureaus results. This is wrong. After they destroy your credit they then begin up selling their financial services which is completely outrageous.

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 2022-05-19
Company: American First Finance, Inc.
State: RI
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a Reporting agency can not furnish a Account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line. 
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX  ; Account # XXXX, XXXX XXXX ; Account XXXX XXXX has violated my rights. 

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 a 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 2015-10-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Upon purchasing my vehicle and the meeting with the Finance Manager, he kept trying to talk me into buying the extra insurance protection & GAP coverage. After going back and forth on it several times because I did n't want it, I decided to purchase it so he would stop talking and we could get the paperwork done so I and my children could go home. I later changed my mind during the paperwork process and declined the insurance protection. So, he had to re-do the paperwork without the added " protection. '' Somehow my interest rate went up 1 % on the new paperwork when I decided that I no longer wanted the insurance protection & GAP coverage. When I accepted the added insurance my rate was 3.95 % but when I declined it my rate went up to 4.95 %. I feel like I was discriminated against because I did n't want to purchase the added " protections. '' I believe that this practice is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Platinum Holdings Group, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: LEXISNEXIS
State: FL
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 LexisNexis Account # 's XXXX XXXX, has violated my rights. 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 a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I entered into a Coaching contract for Real Estate. The contract was a 12 month contract, however, there is a part in the contract that reads, if after the first 6 months, you may cancel your contract by phone call or email. So I emailed and said I wanted to cancel. ( Due to money and going in for XXXX I would be off work for 6 months ) I received a response saying I was denied. I sent another email saying I 'm sorry I am canceling the automatic withdraw. I contacted Chase, I believe XX/XX/XXXX also and explained the situation. At first they did n't let the money go. The next month they started allowing it again. I continued calling. Finally started disputed by mail. They allowed the company to continue to withdraw for 6 months, plus an additional month. They said the company sent them a copy of the contract. However, the company did not include the part that read you could cancel after 6 months. I sent that to chase. I had to send it XXXX times because they kept telling me they never received it. I have been disputing this for over a year. Letters after letters, phone calls after phone calls. They keep saying they will investigate, then send me a letter saying their sorry but they disagree with the dispute. I call to speak to someone about the matter and they tell me someone will get back to me within 7 days. No one, in a year has ever gotten back to me ... until this last time i called. She was very rude, said I sorry you are denied the dispute the investigation is over. Not only am I still paying on that money, I am paying interest. I appreciate your help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Platinum Holdings Group, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I bought an engagement ring with mostly cash but also financed {$1400.00} through XXXX XXXX. I had just recently joined the XXXX military at the time so I had no idea what to expect. I was XXXX several times over the course of the next four years, I lost contact with XXXX and was unable to pay my bill online because of trouble with their website while XXXX away from home. They charged off my account later that year XXXX. Fast forward to XX/XX/XXXX and I just got off active duty XXXX days ago and I am being contacted by Worldwide Asset Recoveries about the debt saying that I owe them {$2700.00} and I better pay or they will " let their legal team take the matter further ''. The representative of this company, XXXX XXXX, said he knew all types of personal information about me including that I was getting out of the military and the date of my discharge, my job while on active duty and tried to use scare tactics to immediately get me to pay him. XXXX XXXX also contacted my father the same day pretending to be a friend of mine from the military to get information from him and he never stated who he was, who he worked for or the nature of the call. I am sending a letter to the company to request that they no longer contact me or my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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: Account information incorrect

Complaint:
Equifax wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called Equifax and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 am submitting this complaint on behalf of my XXXX XXXX XXXX father. He purchased what he thought was health gummies that were purporting to cure XXXX from a company based in Florida for what he thought was XXXX. However, when he gave them his credit card he was charged XXXX. Once his realized this, he immediately contacted this company to cancel the order and they refused, claiming that the order had shipped. My father then contacted me to help him and I contacted Capital One on XX/XX/2022 to dispute the charge with my father on the phone. Because I had read that this company has been fraudulently taking advantage of consumers and will charge the account again when disputed, I asked the Capital One to cancel the credit card and to send him a new one. We were instructed by the agent to immediately return the product upon receipt and to take pictures of everything. Once he recevied the product he immediately returned and we documented everything. However, once the company received the returned product, they immediately re-sent it and charge my father 's canceled Capital One credit card XXXX again XX/XX/2022. The credit card company applied the new charge to the new credit card while we were disputing the previous charge. My father did not authorize this secondary charge and we did not understand how this could happen since we canceled the original card. I contacted the credit card company and explain all this and I was told to submit all documentation I have regarding this, which I did. The credit card company has refused to dispute the second charge and the company who sold the product is not responding to my father 's request for a refund, even though his has returned these gummies twice at his on expense. He has not received another shipment or communication from this company. The last response I received from Capital One is that we have to find a similar merchant that will provide an affidavit stating that this product was not worth the cost and its claims were unsubstantiated. This company is a fraudulent company taking advantage of seniors. The billing on the statement is XXXX XXXX. It is XXXX oil gummies claiming to cure uncurrable XXXX. Where will I get such an affidavit and from whom? Capital One is refusing to dispute the second charge, even though it should have never occurred.

Company response to consumer: Closed with monetary relief