BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: BlueChip Financial
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: MN
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:
In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with CapitalOne Auto Finance. I have been paying more than the monthly payment to get the principle down faster so I can get the vehicle faster. Every month the principle amount is up a little and the interest amount is higher. I have called them serval time. I get told that the interest is done on a daily bases. Something seems wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX closed my personal account ( checking, savings, youth, investment ) without giving me a warning or reason why they closed it They told me that thay they will mail out a check of my balances within 10 days but so far I didn't received it This is unheard of, why don't they give me back my money right away? I went into the local bank and no one was able to help me with that And how can chase get away with this? 
Closing accounts for no reason.?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: FinCo Services Inc DBA Current
State: KY
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:
My debit card number was used on XXXX XXXX XXXX XXXX XXXX XXXX. I didnt receive any notifications that my card was used, a week later my card declined so I checked the app and noticed multiple transactions totaling {$1500.00}. This occurred thru XXXX XXXX XX/XX/XXXX. I immediately contacted Current about the unauthorized charges ( which uses XXXX XXXX XXXX as the issuing bank ) I received a form & filled everything out regarding the unauthorized charges. I was told the investigation could take up to 90 days. Fine, thats the law. I contacted a month later regarding a update and was told it would be expedited and I would receive a update soon fast forward to 2 months 91 days since the dispute was filed and I still have yet to hear anything. I contacted them on the 90th day and was told that it would be expedited again. I asked if they knew the law was only 90 days and was told Yes, they knew but they couldnt do anything. I just want my hard earned money back! 


Checking account # ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Signed a Lease for XXXX XXXX printers for our little home business. ( details can be provided ) At the same time we signed a legal binding Contract for and investor in to our business that ended up being a scam but we were still under contract. Having been scammed we had to default on the lease which had been sold to CIT XXXX. We returned the machine within 18 months as that is when we found out we were scammed. Machines returned in 100 % perfect working order. Today they want {$120000.00}. They have had the machines for over a year we offered to pay the delinquency of {$14000.00} plus attorneys fees. We need to close this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: PA
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:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX XXXX or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XX/XX/XXXX of listed late payment 2. XXXX  XXXX XXXX, XXXX of XX/XX/XXXX listed late payment 3. XXXX  XXXX, XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2021-08-25
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I never received a new card for my account. The account says closed on my credit report, yet they continue to draw money from my account each month for account services. I called to request a new card for the account and continue with my account on XX/XX/2021. They complied and said that I would receive a card by XX/XX/2021. I have yet to receive my new card. I would like an answer as to what will be done as far as receiving a new card. If they are not willing to deliver a new card immediately. I would like the account permanently closed and receive a refund for the amount drawn for the following months since the card expired in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: MoneyLion Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had received a loan from XXXX XXXX/Money Lion for XXXX dollars on XX/XX/2019. The payments of which were XXXX a month. From XXXX until XXXX, the only money that was applied to the loan out of XXXX that I had paid up until XXXX was XXXX. So I called and asked for a break down or statement of what the payments and how much was going to what, with no success. I was told the contract did that. So I had called Money Lion with intent to pay off the loan with some money I was supposed to get, but I did not get all of the XXXX that was the balance. So I called Money Lion and explained I could not pay all of it as I had intended and they informed me that they could not reverse it and would have to reinstate the loan and I would have to wait until after the XXXX of XXXX. When they reinstated the loan in XXXX, they had added XXXX to the loan, taking it from XXXX in XXXX to XXXX in XXXX. I have not missed but one payment, which was in XXXX and they more than doubled what the loan balance was on XXXX the XXXX. Even after paying in XXXX as you can see, nothing is coming off of the loan and the loan has more than doubled for what reason I have no idea. 

This is a list of my payments of which I have proof from

bank statements. XX/XX/2019
XXXX  ; XX/XX/2019 XXXX  ; XX/XX/2019 XXXX ; XX/XX/2019XXXX ; XXXX Missed payment ; XX/XX/2019 XXXX ; XX/XX/2019 XXXX ; I have asked for a statement of payments and monthly balances and they will not give me one and the only thing I can see is what I have taken a picture of and attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Continental Finance Company, LLC
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.

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 2022-07-10
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX 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 2022-07-10
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2022 a phone call was made to debt collector demanding re-verification as well as a copy of the original contract with all parties involved. Have yet to receive appropriate documentation. 
Violated 15 USC 1681 [ a ] ( 4 ) as I was not contacted by the debt collector to verify my identity before reporting this debt on my name. 
Violated 15 USC 1681 ( a ) ( b ) as the information being reported ( without validation of whom the consumer is ) was not fair and equitable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2015-08-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am in the process of refinancing my mortgage. I have reached out to 3 different lenders to rate shop. Based on the CFPB website, it is my understanding that all hard credit pulls related to mortgage shopping within a 45 day window of the first pull are counted at 1 pull for scoring purposes. However, I spoke with XXXX XXXX at TransUnion this morning who informed me that TransUnion uses a 14 day window. I had hard pulls for my mortgage on both XXXX and XX/XX/XXXX, more than 14 days apart but less than 45 days apart. TransUnion 's assessment has negatively and unfairly impacted my score with 2 hard pulls when it should not have. I would like for them to correct this error but am told they 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 2022-07-10
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On three separate occasions, I mailed a certified letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022, asking that the alleged debt collector send me validation of the debt that are alleging that I owe to them. On all three attempts, I never received any mail correspondence honoring my request. The alleged debtor continued to almost on a daily basis call and harass me by leaving unsolicited voice messages even after I blocked the number from calling my phone. I asked the debtor to produce evidence and the debtor failed to do so. The two inquires has impacted my credit report profile, as I requested to have the accounts removed from my credit report profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX and Transunion have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent

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 2022-07-05
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I received an Zelle email saying that a customer sent me {$400.00} for a product I was selling but Zelle said my account need to be a business account in order for me to receive the money and that the customer had to send another {$400.00} to make my account into a business account adding up to {$800.00} but I had to refund another {$400.00} to receive the {$800.00} after verification but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an issue with XXXX Wireless.  It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX.  The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account.  I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX.  No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me.  XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation