BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS 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 2015-11-06
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. 


XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-10-30
Company: Michael Wayne Investment
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Back in XXXX, my wife and I went searching for a vehicle as she needed transportation to take my XXXX  son to various XXXX. The sales guy there was extremely pushy with my and I, his assistant was extremely rude toward my son even making a remake about my son who was crying. This was all driving up my XXXX  trying to just get out of there. The sales guy ran both of our credits and said only I can sign for the vehicle, printed out a spreadsheet and showed us those vehicles. Then he only spoke with my wife, practically ignoring me until it was time to sign the paperwork and was basically hurrying me not really letting me review the paperwork. 

What they didnt tell me is that car loan was for more than what the car value was worth. I dont even know how that is possible with a car loan as it was a car loan???!!!

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I started the dispute process on XX/XX/2020 sending a total of XXXX letters to TransUnion about every XXXX days. There is a closed collection item on my credit report from an apartment complex ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. TransUnion has repeatedly stated the item has been verified as accurate from the furnisher. I have several notices from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on TransUnion credit report. They have been reporting multiple things incorrectly including the balance. I sent TransUnion proof of this information and they have done nothing. Well, they did update the balance XXXX days after they said it was verified as accurate. And once they updated it, it was still wrong. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.

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 2015-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: ACS Education Services
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Curtwright & Klein, LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
USAA, In XX/XX/2022 I had deposit money orders in my checking account due to the fact I live TN and can not deposit cash into USAA Atm in the area and paid my bills for them to only hold my money orders from XXXX XXXX and my bills bounced causing fees that Ive keep accumulating. They said they cant wavie fees. Been a customer for XXXX and still take advantage of veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: WA
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:
I faxed Experian 9 different credit disputes on XX/XX/2022 on XX/XX/2022 they emailed me that the investigation had been completed. 
Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.

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 2016-11-08
Company: Midwest Recovery Systems
State: SC
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 looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/2022

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 2017-01-11
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency in hopes you can help me with some charges on my Chase Mastercard. I would like to dispute all charges made by XXXX. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized four times and was sent to several specialists and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done. I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is with USAA secure credit card. 

I made a purchase on XX/XX/05 for {$220.00}. The merchant converted my credit card payment to cash via XXXX. USAA charged me for a XXXX XXXX XXXX of {$6.00}. Since the charge, I have been paying a monthly " Interest on Cash Advances. '' The month of XXXX it was, {$0.00}, then XXXX {$1.00}, and XXXX {$1.00}. 

When I called USAA to ask how I can pay this charge off so I am not being continually charged every month for the interest on the cash advance fee, I was told I had to pay my entire card balance off ( which is about {$1600.00} right now ). When I asked if this meant that I would continue to be charged Interest on Cash Advances for the next several years, I was told yes ( until the card is paid off ). 

Each month I pay an additional {$100.00} ( normally the minimum payment is {$32.00} or {$31.00} ) so I pay about {$130.00} or {$130.00} a month. When I asked if any of this additional money could be paid towards the cash advance payment or if I could pay additional money to pay off the amount so I would not be charged each month for the additional Interest on Cash Advances, I was told XXXX. ' The ONLY way was to pay off the entire {$1600.00} balance. 

I have no control over how the vendor handles my credit card payment, so I should not be penalized for the next several years on a 'cash advance. ' Since this is a secure card, I thought I could direct additional money towards the payment of this cash advance? 

I have spoken to XXXX USAA representatives and when I asked to talk to a Supervisor, I was directed to their Resolution Dept, which did not resolve anything. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My account was closed on XX/XX/2020 due to suspected fraud. I still have not received back the funds that were left on the card of {$120.00}. Unemployment agency has also tried to deposit XXXX payments of {$480.00} on XX/XX/2020 totaling {$960.00} onto that card but the account is still closed and never resolved.

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 2022-10-30
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my Discover card on XX/XX/2022 online. Without providing me any notification, Discover placed a hold on the payment despite posting the payment and the funds having been withdrawn from my checking account. The representative informed me that there is an 8-day hold on the payment to " investigate '' the payment even though they never notified me nor contacted me about any potential issues with the payment or any explanation as to why this payment was placed on hold and being investigated. As of XX/XX/2022 - much longer than the " 8 days '' promised, Discover still has not posted the payment or completed whatever investigation they are conducting. I have contacted Discover multiple times and they refuse to provide me with any information as to the reason for this investigation into my payment and they continue to refuse to fully post the payment and make my funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THE INVESTIGATION TOOK LONGER THAN 30 DAYS PLUS I HAVE NOT RECEIVED ANY UPDATED ON THE DISPUTES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-30
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCT : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt. You have not supplied the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of Florida. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Data and Contact Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XXXX XXXX, 2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/XXXX2016 and was assured a letter with copy to me would be sent ( never received ) called again XXXX/XXXX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation