BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: PA
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 now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.

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 2021-01-01
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: National Principal Group, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by phone from the NP Group ( XXXX & XXXX ) asking to speak to XXXX, ( my daughter ). They claimed they were collecting a debt against XXXX. I said I knew nothing about it. This is a intrusion of privacy, I am on the National do not call list and yet they call. I do not know how they got my number. My daughter contacted XXXX XXXX and they validated the fact that she did not owe anything and that this is a scam. XXXX lives in Tennessee and is filing a claim with the state there for the same reason. If you check on line you will see that this company has a long record of this type of behavior and bad business practice. What can be done to protect our citizens against this type of business practice? 
This is a continuation of my claim dated XXXX/XXXX/2016 that I submitted. On XXXX XXXX received a call from a company called XXXX ( XXXX ) that threatened her with the filing of a formal complaint against her for bank fraud and collection of a delinquent debt. She tried to get information on the company but they hung up on her. At XXXX I was contacted and asked to call XXXX regarding the whereabouts of XXXX, I called them but they would not provide me any information about their company, they proceeded to hang up on me. At XXXX today my son ( XXXX ) received the same call, he did not respond. At XXXX our home received the same call ( and I have it on my voice recorder ) and we did not respond. XXXX contacted the FTC and filed a like complaint ( ref # XXXX ). If you check on line you can confirm that the phone numbers they are calling from are real and are being used by scammers. What ca n be done to protect our citizens against this type of fraudulent business practices? We will help in any way we can. 
I am attaching the formal complaints that we have filed with the State of Minnesota along with what their coarse of action is. These provide more information than I typed in this box.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We financed our new car purchase through Chase Bank. The auto dealership was running a special that waived the first month 's payment. Three weeks prior to when the first free payment would have been due, we set up auto-pay but noticed that the first payment due date did n't reflect the first month free. This was brought to Chase 's attention immediately but nothing was fixed. They sent us a past due notice once the due date came and went. We called again, explained the situation, and were told they 'd take care of it but they never did. We received another past due notice, threatening late fees and reporting to credit reporting agencies. After numerous calls to the dealership and Chase, we were finally assigned a person at Chase Auto Finance who we were assured would help. Five calls to her went to voice mail and were never returned. Finally, to avoid this affecting our credit, we paid the first month payment. That was in XXXX. It 's now almost XXXX and there has been no resolution. Chase assigned us another representative who was going to solve this issue. Like our previous experience, calls go straight to voice mail and they are never returned. XXXX XXXX, XXXX ext XXXX, give her a call and see if she answers. 
The bank admitted to entering our loan into their system incorrectly but they 've never apologized for their mistake nor offered to remedy the situation. They do n't return our calls. They only ever called us to try to collect money that we did n't owe. They harass and threaten to report our lack of payment to credit reporting agencies. Once they got our money, they stopped calling but it 's our money and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car in 2000 and it got repossed by Credit Acceptance Corporation XXXX MI.This company waited 16 years later to take me to court and got a default judgement against me.I was unaware of any court date because the company sent all my stuff to the adress from 16 years ago.iI got a call from my bank saying my account was frozen so I called the number and it was Credit Acceptance lawyers telling me I owed XXXX on a XXXX dollar car the rest of the money she said was interest and late fees and it was still incurring.I did a little research and found that car loans in the state of Michigan have a statue of limitations which is 6years.I am low income.I ideel like I 've been a victim of this company illegal actions.Im also unaware of the fact of they repossed the car and probably sold it at auction.Then I suppose to only be responsible for the balanc.This company lawyers are telling me theirs nothing I can do but pay 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 2022-06-03
Company: EQUIFAX, INC.
State: IN
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:
Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer USA was the lender. <P/>The vehicle I had financed with them was repossessed by them sometime in the late summer of XXXX. To this day I do not know what the exact terms on the loan were. I feel like I was pressured into financing with them. They were terrible. I first became delinquent on the loan in XXXX during a time of financial hardship due to being in a small accident in the vehicle. I communicated with Santander often. I ended up loosing my home and became virtually homeless. Santander charged off my auto loan after being a month behind. The loan was showing as a charge-off/repo on my credit even before they attempted to repossess the vehicle. I had actually caught the account up and they informed me the auto loan would remain in charge-off status until the loan is paid off. This has damaged my credit report. Even after they repossessed the vehicle. They are still updating my credit report with increasing balances. They constantly report the account open and closed at different times, which causes my credit score to fluctuate significantly. While the vehicle was being looked for they threatened me to report the vehicle stolen to the police and have me arrested. Something that is illegal to do. Santander is a predatory lender and must be investigated. To me they are XXXX themselves. I really need help. I am trying to get a home. They have even forwarded this alleged debt to multiple collection agencies who did nothing but harass me and make threats and still kept this old auto loan open on my report. This has all caused me tremendous amounts of stress and anxiety and anguish.This corporation is very malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So complicated. I had a mortgage with XXXX which I fought a 4 year foreclosure issue on. Got 2 lawyers to settle things. Things were settled. Amount was settled- which included escrowed Flood. Keep in mind I bought my house well before XXXX or even XXXX. In XX/XX/XXXX Shellpoint MOrtgage took over my loan- so after 4 years now my payment jumped to over {$3000.00}! This is after a legal suit that they just changed the payment AGAIN. I called latest lawyer to help- they initially said - " oh this is wrong ''. They said they would help figure it out- then backed down and said it wasn't in their best interest- after getting paid. I am upset - as you can imagine. I have tried to deal with Shellpoint- Still dealing with Shellpoint- just different answers constantly. Very hard to reach escrow dept. 
I was told there was a delinquence in my escrow account and in order to go back to make my payment back to XXXX XXXX XXXX I would have to pay $ XXXX this included 2 months ( which I think should be much more! ) I did anyway with a promise I would get refund- I have gotten {$130.00}?? I don't even know what that is for? Not escrows~ I have called literally everyday last week and emailed. This is a bunch of junk. They have over anywhere from XXXX XXXX_- {$8000.00} in my account. I need my money. I have volunteered always to pay my XXXX XXXX XXXX- They have plenty in Escrow. I need help. 

OK, I am currently STUCK in XXXX XXXX  XXXX . I have been since Covid. I am waiting on a Visa ( different from passport- which I have ). It is a long process. I can be reached via email- XXXX. I have an app called Text Now- XXXX. Other US numbers would be have to be answered by my friend taking care of my house. 

Shellpoint Mortgage XXXX XXXX XXXX, SC XXXX Account XXXX Ph- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Don't know what you might need. I have only been with Shellpoint since XXXX XXXX a mess ever since. It is my understanding that when a mortgage gets transferred without any knowledge of mortgage holder- the terms of previous loan! And if the new mortgage holder changes/ and or/ does not pay the ONLY bill ( Flood ) which was in XXXX correctly- it should give me permission to pay my own bills. I pay XXXX, XXXX, Property tax- why do they mess it up so badly- granted- it is a XXXX XXXX compound- not one can get it! I can. I want control! If I don't pay- got ahead add escrows- but that won't happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Radius Global Solutions LLC
State: GA
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:
I received a letter from this company in XX/XX/XXXX alleging that I owe this debt. In response I mailed a certified letter on XX/XX/XXXX, requesting for this debt to be validated. The letter was picked up on XX/XX/XXXX, however I did not receive any follow up in over 30 days. I then sent a XXXX validation request via certified mail on XX/XX/XXXX that was received by them on XX/XX/XXXX yet again, no response after 30 days. On my third attempt to get this matter resolved, I sent a letter on XX/XX/XXXX requesting to have this debt removed completely from my credit report since they obviously could not verify it. I currently have not received any communication from this company even though my last letter was received on XX/XX/XXXX. This is clearly a violation of my rights under the Fair Credit Reporting Act, in which I have the right to sue. I want this unverified account removed from my report immediately.

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 2018-05-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX  call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card. 
These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Paypal Holdings, Inc
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX I purchased a bunch of XXXX gift cards from Paypal XXXX XXXX. Paypal XXXX XXXX was listed as the seller on eBay and they were the company that fulfills the order via email. Last week I attempted to use these gift cards and they say they 've already been used. I first tried to contact ebay but 30 days has passed so their guarantee is up. Then I tried to contact Paypal digital gifts but they referred me to sears who referred me back to Paypal who referred me to XXXX who referred me back to Paypal. My frustration increased when Paypal flat out refuses to send me new gift cards. I have the order numbers and all of the information. Their stance is its on XXXX to make this right. This is ridiculous! THEY are the ones I bought these from and its Paypal XXXX XXXX who is responsible for making this right, not the consumer. Please protect me, the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
so I talked to the company and rudest manager Alive who had no idea what was going and she we are never crediting a late fee on any of your accounts ever again and I am really upset why are your customer service managers like robots and they never want to lift a finger to help these last 2 late payment were both due to corona virus and I finally was able to catch up my account I really need those XXXX late payment s gone it wasn't my fault on this and I really need your help to get them off there and none of your managers care what so ever

Company response to consumer: Closed with explanation