BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
An Affidavit of truth, Cease and Desist notice and a bill of particulars was received by NCB Management Services addressed to XXXX XXXX by certified mail on XX/XX/2021, these letters were in response to NCB Management Services numerous abusive emails being sent to my personal email from the past several months in which I never authorize NCB to communicate with. These deceptive and abuse emails were demanding {$20000.00} from me and at one time it was lowered to {$4000.00}, which appears that this company wants any amount of money I can give to them. I consider that a form of extortion. This company has parked this alleged debt on my credit reports without my knowledge of this debt. XXXX XXXX or NCB Management Services has NEVER verified a contract between myself and NCB for any amount of money nor any ledgers or accounting for this alleged debt has been presented to me. I have received more than 7 abusive emails, and as a consumer I discovered numerous violations on these emails. XXXX XXXX has not responded to my certified mail nor have they paid the bill of particulars or removed this alleged debt from my credit reports. Surprisingly I haven't received any more emails since NCB has received my Cease and Desist but they have not fulfilled the completed request to protect my privacy or stopped violating my consumer rights. This is my last effort to resolve before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.

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 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I notified Capital One via telephone and their Web site that my XXXX account ending in XXXX was being used to attempt 2 fraudulent purchases at Walmart. The Capital One agent advised me that they had also observed an attempted fraudulent purchase at Saks Fifth Avenue. Capital One told me they would close the account and issue a new card and mail same to me. Less than one hour later on the same day, I logged into my Capital One online account, noticed that Capital One had already issued a new XXXX account number ending in XXXX. There was already a fraudulent charge on the brand new replacement account number, for {$100.00} at XXXX. I called CapitalOne again to report the new fraud. The representative first told me to call XXXX, and I told him that I did not even have possession of the new account number, let alone the card, and could not have made a transaction. I asked that the pending transaction be immediately declined. The representative and his supervisor both refused to immediately decline the pending transaction, even though I was reporting it fraudulent. Supervisor said she would cancel the replacement card and issue another one ( second fraud replacement in one hour ). I asked how Capital One would guarantee the security of the second replacement since the first replacement was compromised within thirty minutes ; she could offer no answer. At this point I requested the supervisor close my credit card account in its entirety, since I can not trust the card issuer to maintain the integrity of their account holder 's personal information. I still do not know when or if Capital One will reverse the fraudulent XXXX charge on the " replacement '' account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: ASSOCIATED BANC-CORP
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in regards to a loan that has since received a default judgment against my husband and myself. The loan was originally for {$42000.00}, signed in XXXX. The debt was paid down to below {$30000.00} when this was sent to court and now has accumulated to over {$57000.00}. We lost our business in XXXX, where shortly after my husband moved to XXXX to work. Shortly thereafter, we separated and I moved to XXXX  to help take care of a grandmother who was in the late stages of XXXX XXXX. She died in late XXXX and I moved back to XXXX in XXXX. Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from Associated Bank to an attorney who filed a judgment against us in XX/XX/XXXX. They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time. Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to XXXX XXXX XXXX in XX/XX/XXXX. We were NEVER sent any paperwork on this account when it was sent to either collection agency! The only time I knew about XXXX XXXX XXXX handling this case was when they stated garnishment proceedings on my husband inXX/XX/XXXX. I did not know then that we could send a verification letter to these companies to verify the debt with them and now XXXX XXXX XXXX  says that I am entitled to a verifaction letter as it is past the 30 days notification! How can that be when they never sent a letter to us regarding this debt?!!! I have sent all information to the judge handling the case as well but nothing has been done. This is not right and I would like something looked into regarding this. I should be entitled to a verification of the debt from XXXX as well as XXXX, yet neither one will give this information!!!! XXXX XXXX XXXX continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Public record information inaccurate

Complaint:
I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: NY
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:
I have filed a dispute in regard to the incorrect item on my credit report. It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX continues to send me mail demanding I pay {$4900.00} immediately or I will have a lawsuit filed against me. They say it is for a PayPal credit though Ive never used that in my life and on XXXX occasions ( most recently being today XX/XX/2021 ) PayPal confirmed I have not and do not have credit with them. 

I even get regular offers to sign up for PayPal credit ~ which wouldnt happen if I had been sent to a collection agency for PayPal credit being unpaid... 

The XXXX company continues to mail me the same document with threat of a lawsuit with the most recent being sent on XX/XX/2021 that I received in the mail on XX/XX/2021 with demand to pay by XX/XX/2021 or face legal action.

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 2016-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Immediately upon viewing my Janauary 2016 Chase Freedom Credit Card statement around XXXX XXXX, I called the credit card customer service concerning an unrecognized account activity of {$1200.00} dated XX/XX/XXXX16- Agent Fee Travel Service. When I spoke with the representative, he asked me if I purchased an airline ticket on that day, I checked my records and saw that I purchased a ticket to XXXX CO for {$360.00} with " XXXX '', However, there was an overchange of {$840.00}. The rep. told me that they can not assist me because I had given the merchant authorization to charge my credit card and it did not matter the amount. He said I had to take it up with the merchant. I followed his instructions which was unsuccessfull even through they admitted that they made a mistake by overcharging me {$840.00}. On XXXX/XXXX/16 after speaking with someone who had a similar experience and whose credit card company assisted them, I decided to call them back immediately. The representative told me that the time had passed for me to file a complaint and there is nothing that they could do. I am highly upset because if I was given the correct information when I first called in XXXX I would not be going through the frustration and headaches that I 'm going through to this day. I asked to speak with a supervisor on that day and explained my frustration, she advised me to write a letter explaining what happened, including the dates, individuals and copies of all correspondents with the merchant and the fact that a supervisor of the merchant company admitted that they over charged my card. Again I followed their instruction. On XXXX XXXX I received a reply from the credit card company stating that the charge remains valid due to the significant amount of time that has passed, and the merchant unwillingness to honor their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Duvera Billing Services, LLC
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: Information belongs to someone else

Complaint:
Greetings, I would like to file a complaint against Duvera Billing Service. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Admin Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is trying to collect on a debt that does not belong to them, they are also sending me harassment letters. I also do n't have an account with them, nor have I signed a contract with them

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 2017-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX  In response t o Atlantic Bay and  the original complaint.  XXXX   XXXX  was contacted by a frantic  XXXX   XXXX  and asked to write a letter defendin g him/Bay Atlantic. W hich he did and which they submitted as their original response.   As far as  XXXX  qualifying as a primary residence his current primary residence has not sold and the entire reason he wants to sell is he claims ca n't afford it- so since current residence has not sold and probably wo n't for at least 6 months- Prior to our purchase it was on market for 1.5 years- this is completely foolish. He may be able to g  XXXX   XXXX   XXXX  os but after that trying to juggle  XXXX  residences and utilities is going to be a stretch

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is reporting an account with "  XXXX   XXXX   XXXX  '' on my credit that does not belong to me.     Currently, the unpaid debt that is reporting totals up to {$10000.00} and the account number is "  XXXX . '' My report suggests it was opened sometime in  XXXX   XXXX .     The only account I have ever owned from  XXXX  was back from  XXXX  and it has already been paid off for years. The account number for that account was "  XXXX  ''.     I have called  XXXX  numerous times, at  XXXX  point even speaking to a supervisor and they continuously tell me that they are not reporting a charged off account to my credit. The only account in their database is the one I already paid off in  XXXX . They told me that the error in reporting is with Experian and they have to be the ones to fix this.     I am getting  XXXX  response from Experian but something completely different from  XXXX  themselves, which are the actual company Experian is claiming to get their information from. How can this be possible?     I feel stuck and do n't know how else to address this issue.     I am taking my complaint to the Consumer Financial Protection Bureau because Experian 's blatant disregard of the law in reporting someone else 's account on my credit is illegal and unacceptable.

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 2021-10-20
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: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/21 I sent a letter to Experian to remove an address that is not accurate. 

They replied via email of the dispute. 

They have not removed the inaccurate address on my credit report as to date and they have not responded accordingly to remove the inaccuracy. 

I do not live at that address and have never lived at the address. 

I sent a second letter on XX/XX/21 regarding the failure to remove the inaccurate address. 

And notified them that I would contact the FTC.

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 2021-10-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I did a credit transaction with Amex and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan

Company response to consumer: Closed with explanation