BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a BBVA Compass account and they denied me saying " UNABLE TO VERIFY IDENTIFYING INFORMATION ''. Surprisingly, they were able to pull my XXXX report and state my credit score. They did not call me to verify at all what information they need. I called them to check the status before and they can not tell me anything but to reapply in 30 days. Sounds like a waste of a hard pull on my account. I am willing to provide any identifyinh information to them if they ask. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM 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 2017-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. 
If XXXX XXXX XXXX does not comply, you shall be fined for {$100000.00} ( Per Violation ) for noncompliance under the Gramm-Leach-Bliley Act and this matter shall be resolved in Federal Court if thats what it comes to! with prejudice!

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 2015-04-08
Company: Gatestone & Co. International Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX. 
On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment. 

I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for the XXXX XXXX XXXX card ( with XXXX XXXX ) from Chase Bank. I signed up under an offer where I would receive 50,000 bonus miles after spending {$3000.00} in the first 3 months after opening my account. However, when I went to purchase a plane ticket with XXXX, less than an hour after I applied for this credit card, I discovered another offer where I would receive those bonus miles, and also a {$100.00} statement credit after my first purchase. I contacted Chase to see if I can receive that promotion, both through phone and XXXX Messenger, and was told that I could not change my application to receive that offer. It did not seem that I would be able to change or cancel my application without affecting my credit score. It appears that Chase is using this mere technicality as an excuse, and do not care about me as a customer. I have attached a screenshot of the offer I have mentioned here, and would like Chase to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a mortgage modification from my mortgage servicer, Wells Fargo Bank is refusing to modify my mortgage. My Father recently passed and he was XXXX for the past year and I had to assist with his care and medications until his death. My loan currently does not include my taxes and insurance in escrow and I also have a second mortgage on my property as well. I do not want to lose my home. I would appreciate your assistance in this matter. I have also submitted financials with the mortgage modification request. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Go Capital Holdings, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Synovus Bank
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for a fully secured credit card through First Progress on the month of XXXX of 2015 to improve my credit scores. I 'm trying to apply for a mortgage loan in the year to come so having new credit is important to me. My boyfriend completed the credit card application for me because he has had a credit card with them for the past year and it helped his credit improve. Unfortunately I was un-aware that there was an annual fee that was due the first month of being approved for this type of credit card, besides the fact I never received any notification ( written or verbal ) indicating the annual fee was due. After a month or so of not receiving any correspondence I called First Progress and became aware of the late charge and the delinquent annual fee. At that moment I took care of the charges and paid the account completely, I asked the representative if I was going to receive a 30 day late on my credit report and the rep said no. I asked for a confirmation number and a full name, but she said that they do n't offer that. After a month or so from this conversation I pulled a copy of my credit report and I saw that First Progress had reported a 60 day late on my credit report, I called them right away and tried to resolve this issue and all they said was to send them a written dispute and they would look into this. Since that time I have spoken to several representatives and I have not been able to get this 60 day late on my report corrected or removed. I personally feel that this was not my fault and if I had known of these charges I would have taken care of them right away, like I did when I first became aware. I need your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.

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 2016-06-02
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ford Motor Credit is attempting to charge me a {$100.00} fee for a " speeding ticket '' on my vehicle. Ford notified me of the ticket at some point in XXXX 2016, and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of {$100.00} on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I had to call back and managed to speak to XXXX XXXX from the XXXX Department ( I later called Ford Motor Company and they informed me that there was no one with that last name and that it was possible that XXXX gave me a false last name ) who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told XXXX XXXX that I will look at terminating the lease because of this and that I would be filing a claim and mentioning him by name, he stated " Go ahead and do it, I 'm writing it down. '' I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, XXXX XXXX refuses to eliminate the fee. To be more specific, the letter stated that one would have to notify " us '' at the phone number listed above. The only phone number listed " above '' was the XXXX government 's number. Given that I never directly received a ticket ( I only received a letter from Ford notifying me of the ticket ), it was my reasonable understanding from that letter that XXXX was in constant communication with XXXX and thus, by contesting the ticket at the " above number '' ( XXXX government 's number ), I would meet the notification requirement. XXXX admitted that it was a mistake on the letter but he stated that he will not remove the fee. Furthermore, XXXX stated that I had 30 days to pay the fee and that my contestment was dated XXXX XXXX. I explained to him that in order for one to have evidence of the contentment, you must receive an email confirmation from XXXX of your submission ( I told him that he could verify this information on the XXXX government 's website ). I contested the fee two days after I received the letter. More than a week passed and I never received the confirmation. I proceeded to contest it again and then many days later, I finally got the confirmation. XXXX told me that I needed proof of this because otherwise I was lying. XXXX was extremely disrespectful, he raised his voice to me and even proceeded to not let me talk and explain. I want the fee removed and XXXX held accountable for his disrespect and actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I have credit thru PayPal financed thru synchrony bank, I purchased a payment security in case of illness loss of job or death ect. On XX/XX/XXXX I became XXXX  and started falling behind on payments. I contacted payment security back in late XX/XX/XXXX early XXXX  and let them know I needed to process a claim they made 3 payment I believed and asked for doctors letter they provided which I had doctor fill out ad send to them so they could continue to make payments or pay debt once they received it they send a letter saying they needed another doctors note signed on or after XXXX to continue with assistance. I feel I have provided enough information and everything they have asked. and they have falsely advertise a service they Are not providing.

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 2016-09-30
Company: Santander Consumer USA Holdings Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter from a debt collector dated XXXX XXXX, 2016 stating that we have entered into an agreement for debt settlement when no such agreement by legal definition has taken place. Part of the letters introduction is " NOTICE OF INTENTION TO FILE A LAWSUIT '' the letter has a case # as well as an account # appearing to be a court document. They did not submit any information beyond this nor ever have. No acknowledgement of statute of limitations whatsoever. I do not acknowledge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed  XXXX   XXXX   XXXX  any money. I cancelled my  XXXX   XXXX   XXXX   XXXX  account years ago and there was no money owed on the account when it was closed. The problem is, the agents at  AFNI ( debt collection agency )  refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When  I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my  XXXX  and  XXXX  credit files  (  does n't appear on my  XXXX  report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I continue to receive phone calls from different numbers on my cell phone after i sent a letter to ceast all communications with me over a year ago. This debt is well over the 7 years statute as I have no outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.

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 2016-01-10
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. 
judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached

Company response to consumer: Closed with explanation