BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: Northstar Location Services, LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name Northstar Location Service is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

Company response to consumer: Closed
Consumer complaint received 2022-11-09
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-08-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This complaint is being sent to Wakefield & Associate in response to the above reference account ( XXXX & XXXX ) that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Overland Bond & Investment Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened a car loan with Overland Bond in XX/XX/2016. I have never been 30 days late with this company and they are violating my rights as a consumer according to the Fair Credit Reporting Act. I temporarily lost my income which caused me to make my car payment 2 weeks late, however I called in and made an arrangement with the Overland Bond and paid them {$200.00} towards the balance. This payment arrangement was supposed to keep my account current and stop any further collection activity or negative reporting towards my credit. After making my arrangement and paying {$200.00} Overland Bond repossessed my car! I repeat I was never even 30 days late!! Once I made my full payment my car was still not returned and " reactivated '' so that I could drive it. I've read customer reviews on this company and see that I'm not the only customer experiencing this. This company is repossessing vehicles and ruining their customers credit for being 2 weeks late on their payments. This company has reported a repossession and 30 day on my credit and has totally destroyed my credit score causing me to lose -166 pts to my score. I filed a complaint about the reporting and the credit bureaus deleted the reporting only to have Overland Bond illegally add this inaccurate reporting back to my credit without notice. According to FCRA I am supposed to be notified within 5 days of a company adding any negative information that was previously deleted back to my profile, this company has failed to do so! My rights are being completely violated and I am extremely upset! This company has illegal practices and are taking advantage of their consumers. Please help me to have this inaccurate information deleted from my credit profile and corrected with this company. I hope that my experience will help other consumers of Overland Bond from experiencing what I've been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Mercedes Benz Financial Services
State: TX
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a Vanilla Visa Gift Card on my birthday, XX/XX/XXXX. I opened the gift card and attempted to use it on XX/XX/XXXX. The purchase was declined. I signed into Vanillagift.com and learned an unauthorized purchase had been made at XXXX - XXXX which is a purchase that I did not make and have no knowledge of. No person ever had possession of my card and XX/XX/XXXX was the first time it was opened from the original packaging or attempted to be used by me. I immediately called to dispute the transaction and received the ID : XXXX. I received a letter on XX/XX/XXXX stating that my dispute was denied as the card was charged in-person. That is impossible. The card was in my possession and in its original packaging, unopened until XX/XX/XXXX. I attempted to call InComm support on XX/XX/XXXX and the customer service representative said there was nothing he could do. The contact information for the company is InComm Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX or via email XXXX. The customer service telephone number found on my card is XXXX. Looking at my card, you can tell that it has never been swiped and is fresh out of the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016 i checked my credit on credit karma and had XXXX hard inquires removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help at all from this bureau. No one would transfer me, no one would connect me to an American representative or the fraud department. Talk to multiple agents were very belligerent, some have told me that they knew of the issue. But basically told me too bad and I should file a complaint because they certainly could not and would not fix the problem

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 2022-11-09
Company: Affirm Holdings, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have accounts that I did not open under my Affirm account. The unauthorized amounts are as follows : - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX  processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022 - XXXX XXXX XXXX XXXX processed on XX/XX/2022. 

These accounts were started without my knowledge and I would like to file a claim for them not to affect my credit. 
I have already filed a claim with the loan company Affirm, and they have declined to cancel the payments until I file for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Experian and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Toyota Financial Services ( TFS ) allows its customers to pay online or by phone. I have repeatedly made payments online since I obtained this account. The website even allows you to set up dates for future payments or payment arrangements. My complaint : once a payment date is selected, TFS continues to repeatedly call my phone -- every day and every hour on the hour! I receive email documentation that the payment arrangement has been made and I can even see online that it is in progress or pending, yet these idiots keep calling me repeatedly -- even when I tell them that a payment has already been set up or arranged online. Then the representative responds -- '' let me check the system to see. '' Duh??? Well, they should be checking BEFORE they dial my number!!!! This is happening EVERY DAY and EVERY SINGLE MONTH and I want it to STOP! The PAYMENT HAS NEVER BEEN 30 DAYS LATE, so technically, TFS is not even in a position to report it to a credit bureau as such, so I do n't know why they can not update their payment and calling systems and stop calling customers to death -- particularly after a payment or payment arrangements have been made!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, someone was able to create a Bank of America account and gain access to my account to withdraw money from my checking. They also gained access to my sisters ' accounts and my parents ' accounts, as all of our accounts were linked together. In total, the fraudster was able to transfer out of our accounts almost {$300000.00}. From XX/XX/XXXX to XX/XX/XXXX Bank of America did an " investigation '' and provided us with very little to no updates, other than advising that the money was still within the bank and provided us with the name the fraudulent account was opened under. 

On XX/XX/XXXX, they sent us a letter finding us not liable for the account that was created, which the bank allowed to gain access to all of our accounts, but now is refusing to reimburse us for the money. They claim that unless we can prove our phones were hacked and that we did not authorize the transfer of funds, they can not give us back our money. Our accounts are frozen, we have lost a lot of money, and Bank of America is refusing to reimburse us. Instead, they have chosen to accuse us of authorizing fraud on our own account, leaving us with no money and for some of my family members, a complete and total loss of life savings. Any assistance would be greatly appreciated.

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 monetary relief
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX, the credit company has refused to return a payment back to me as a consumer. For a purchase. They also have re issued the payment back to my 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 explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Exeter Finance Corp.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. 
Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.

Company response to consumer: Closed with explanation