BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received mail on XX/XX/21 from NCB Management Services Incorporated attempting to collect a debt. The initial communication does not meet the FDCPA requirements for this communication. It does not include the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. Further, the letter does not meet the requirements of 15 U.S.C. 1692g ( a ) where the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. 

I do not believe I owe this debt, but I will handle that matter outside of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX, my property management company, sent my account to collections for a previous unit i lived in and I pretty much lost access to even see the adjustments after an XX/XX/XXXX move in on XX/XX/XXXX. In XXXX my property manager told me she'd get it to me the next day. Unfortunately I didn't receive anymore correspondance until I received a collections notice on XX/XX/2021, but didn't even get a ledger until XX/XX/XXXX. My fiancee received a collections notice XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: CO
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:
XX/XX/XXXX : {$1000.00} was withdrawn from my checking account through XXXX. I do not use XXXX and didnt even have it installed on my phone. On the XXXX {$2000.00} more was taken, and on the XXXX, {$2000.00} more. 
I hadnt noticed these charges until the XXXX, because Chase did not flag the transactions. XX/XX/XXXX : Another {$2000.00} was taken through XXXX. I opened a case through Chases fraud department, and they began looking into it, and they froze my account. 
XX/XX/XXXX : I went to a local Chase branch and explained what had happened. They claimed they would give me a new account to ensure its security, but only gave me a new username and password, claiming that would be enough. They then unfroze my account. They also were very assuring, saying I would get my money back in full. They credited back {$5000.00}, but were looking into the other {$3000.00}, not having any solid answers. 
XX/XX/XXXX : An additional {$1000.00} was taken through XXXX. I then went to a different Chase branch, and explained what had happened thus far. They gave me an actual new account and routing number. The worker there called their fraud department, talked to them about the additional money taken, as well as the {$3000.00} I was still missing, and again, they assured me I would hear something soon and that I would get my money back. 
XX/XX/XXXX : Still having not seen any refund, I opened a checking account at a different bank and moved all remaining money in my account to this new account, as I feared how secure my money was with Chase. The amount of money moved was approximately {$10000.00}, and included the {$5000.00} that had been credited back by Chase. Chase then contacted me via their app, stating that they would not refund my stolen money, and that they were taking back all credited funds. I went to the same branch, and sat down with the Vice President, who believed me and said she would do everything to help. She contacted the fraud department, took a detailed record of the events down, and said she would escalate the case to a higher authority than herself. She instructed me to wait to hear from her, which I did for about a week before going back in, trying to see if there had been any updates. She told me they had closed the cases, and there was nothing further she could do. Chase then withdrew the {$5000.00} from my account, which only had about {$500.00} dollars in it, putting me in the negatives. The branch has said they cant do anything, and their fraud department refuses to look into it because the cases are closed. I never heard anything about the additional {$3000.00} taken either, they ignored that detail throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: AR
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:
Experian refuses to delete collection information on my credit report. The same paid, closed account has been removed from other credit reporting bureaus after the creditor/collection agency requested them to do so.

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 2015-11-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/2016 I reviewed my credit report and saw that XXXX was reporting negatively on my report to all XXXX Credit Bureaus. I have then contacted XXXX thru certified mail and requested a validation of the said debt pursuant to FDCPA. On XX/XX/2016 Design receivable Solutions sent me a copy of diagnosis or what was done to me from XXXX without my consent. As per HIPAA no medical information should n't be released without the patients consent and in this case I have not given any form of consent bearing my signature to XXXX nor Design Recovery Solutions to release such information on my behalf. I have sent a a certified letter to all XXXX CBs regarding this violation but to no avail I have not received any response from either one of them and to this day it is still showing on my report. I am requesting that XXXX to delete the said negative report due to HIPAA Violation other wise I will be filing a small claims regarding the said matter for defamation, violation oF FDCPA including but not limited to section 807-8 ) and HIPAA violation. I have all the proof should you need them please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: United PanAm Financial Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
since XX/XX/XXXX i have submitted a higher monthly payment that my monthly payment due and requested that the difference be applied to the full principle amount that would leave me with an even amount due the loan company continues to apply interest dispite my requests. i have spoken to XXXX quote un-quote mangers who stated that would remove the interest amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
During XXXX 2015 I went to XXXX XXXX at XXXX XXXX XXXX ( XXXX, Tel XXXX to purchase a car, they requested credit approval ( Hard Inquiries ) to XXXX Banks or Credit Unions. The XXXX XXXX requested with Reliable was approved in the amount of XXXX. I learned that I had XXXX approved since the day one when I visited " XXXX '' ( The car dealer that sold me the car I have ) " XXXX '' immediately used the Reliable approval and financed the car to me. 
The Credit lady at " XXXX '' told me, BUT XXXX YOU ALREADY HAVE XXXX. APPROVED! and Reliable was the first bank XXXX requested approval from. 
On the other hand I do n't know why XXXX XXXX requested so many approvals without telling me and without my consent!. I was sitting there and they did n't tell me about all these wrongfull moves they were doing. 
I 'm guessing XXXX did n't tell me because they did n't have a used car in that amount. So they went ahead without my approval and requested credit to XXXX other banks. They only asked me if the could call XXXX and A XXXX XXXX in XXXX XXXX, XXXX. The other credit approval requests ( Hard Inquiries ), I did not authorized these. I called that evening and asked XXXX and XXXX XXXX to call Transunion and Delete those credit approval requests that I did n't even knew they were making. They told me that the credit lady said she would call, but never really called Transunion. These Hard Inquiries are showing on my Transunion report and need to be deleted immediately. I swear I called and they told me that they would delete all those Hard Inquiries made without my approval! and maybe if I had already been approved {$9500.00} they should also request deletion of request made to XXXX and to the XXXX XXXX XXXX XXXX. These wrongfully hard inquiries needs to be deleted inmediately. Another phone number I have for XXXX is XXXX. 

When I went to " XXXX XXXX '' within that same week. immediately they checked with Reliable and told me I had XXXX approved alreadyXXXX XXXX XXXX needs to request deletion of these hard inquiries : XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX XXXX XXXX/XXXX/2015XXXX XXXX XXXX/XXXX/2015 ; and the approval request to XXXX should also be deleted because even though I approved it, it was done with positive Credit Approval on hand by Reliable Auto!! 
XXXX approved by Reliable was brought to my attention by the Reliable Representative at " XXXX XXXX ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX was used as the reason for the suspects to attack  my family and I. XXXX XXXX Account # XXXX and any association to XXXX  under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more attacks  on innocent. 
XXXX account # : XXXX XXXX  : XXXX XXXX XXXX XXXX, pa  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement 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 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
So I had CBNA Best Buy credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting CBNA about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit

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 2021-12-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
I have disputed the illegal reporting of credit acceptance corp to XXXX and XXXX will not remove this account, credit acceptance corp has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

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 2019-12-16
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I TOOK OUT MY LOAN ON XX/XX/2019. I HAVE SINCE FOUND OUT THAT THIS BUSINESS IS NOT LICENSED IN MY STATE. I HAVE REVOKED MY ACH AUTHORIZATION AND HAVE ASKED THEM NOT TO CONTACT ME ANY MORE BY PHONE, BUT THEY STILL TEXT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over a month ago, I exited the COVID-19 forbearance into a COVID-19 Payment deferral arrangement. I then asked to have the repayment of the escrow shortage from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.

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 2021-12-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Incorrect items are currently reporting on my credit. The credit bureau has taken more than the allowed 30 days to complete the dispute.

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 2021-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank put a deferment on my mortgage I have never made a late payment I have always put {$100.00} extra toward the principal they have put this on all three of my credit reports. I'm at my wit 's end trying to get this solved you can not get a hold of anybody at fifth Third they just keep transferring you and giving you information that is incorrect. This is not fair to me and I don't know who else to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: Westlake Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX I contacted Wilshire Consumer Credit And Spoke with XXXX a Supervisor. I was calling to get the information XXXX was needing released to acquire a new loan with XXXX. was told i needed to provide a letter of authorization. which my fiance filled out and signed since she is on the account with me, sent it in and authorization was given for XXXX to speak with Wilshire. Upon XXXX speaking with them and calling us back. we were informed that the information XXXX was requesting would not be released. See i was given a 10 day payoff from Wilshire on XXXX XXXX which will expire on XXXX XXXX. I fear that wilshire is stalling to prevent me from being able to have this loan paid out completely. this is unfair to me as it could result in my vehicle being taken and i am making an attempt to pay this loan out.

Company response to consumer: Closed with non-monetary relief