BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Social Finance, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My Sofi credit card was refused saying " Unable to verify Identity '' in the adverse letter attached. However, we made all disputes with XXXX  using the CFPB agency services and my identity details are now all complete and all perfectly accurate since a few weeks. I'm copying the latest XXXX  credit report showing this assertion. In addition all my good payments have been paid in full and are now correctly reported since the XXXX account opening in 2015 with XXXX past dues. Six full years of XXXX past due with all payments in time and a FICO of XXXX plus identity verified can not lead to a credit card refusal. There is something wrong that have to be corrected. This is not a fair treatment considering the facts and figures. Additionally the denial is too generic and does not allow to focus on any sort of remediation in case on a glitch between credit bureaus or the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice for Proof of Claim Account : PORTFOLIO RECOVERY ASSOCIATES LLC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this FRAUDULENT ACCOUNT??

debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
There try to collect a debt from XX/XX/XXXX from XXXX XXXX in the amount of {$280.00} .In XX/XX/XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance community currently in court about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: GA
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:
XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary XXXX, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. Equifax remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them XXXX play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & Equifax! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING EQUIFAX XXXX  AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, Equifax I told you I would FIGHT BACK $ $ $ $ $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This agency have tried to collect a couple medical bill recently and I advised about this specific bill and they insist that it 's mind and they would do a pay deletion however I keep advising them my lawyer will be involved soon bc I do n't owe them but I keep getting different calls on the same thing but I have n't gotten any letters from them or the original creditor

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Atlanticus Services Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During COVID-19 Pandemic the above company closed my clients account because of a payment that got rejected by the bank due to the complaints job layoff and no pay that came in until he received unemployment. Since, that failed payment, the complainant has made all payments on time with no issues. The credit card company Fortiva was contacted about allowing the account to opened back up because of one single oversight due to the pandemic. They have declined to comment or say there is nothing they can do to the complainant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Im trying so hard to fix my credit ans buy home for me and my kids. Theres stuff on my credit that isnt right or is old but effecting my score till

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin 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 2021-07-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Mailed a cashier 's check/ certified check by XXXX  XXXX to said Realtor- for home repairs and was not a REALTOR! 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for {$31000.00} and {$100.00} XXXX XXXX  I called immediately to Navy Federal -- -- -- Spoke with Fraud agent XXXX and waiting for papers to be sent to me! Happened on XX/XX/21. Please help get this person -- -- -- -- -- -- - Fraud agents said was picked up at another address? This was out of XXXX XXXX account. Pkg ID : XXXX Tracking # 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 2021-07-24
Company: USA Credit Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
USACS TEXTING ME FROM XXXX TO MY XXXX PHONE NUMBER TRYING TO COLLECT FROM XXXX A MEDICAL DEBT OF {$520.00}, THEN GIVING A DISCOUNT OF {$180.00} FOR A TOTAL OF {$330.00}, AND THEN CONTINUED TO SEND ME TEXT MESSAGES FOR {$520.00} FOR XXXX. I HAVE HAD THIS PHONE FOR SEVERAL YEARS NOW, THEY SHOULD HAVE CHECKED TO SEE IF XXXX STILL HAD THE SAME NUMBER. THEY VIOLATED THE FDCPA, TEXAS FINANCE CODE, AND THE TCPA.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Chase bank, my creditor and tried to make arrangements to make my monthly payments back affordable and they said had no other options but to close the account and liquidate it on me. 
My monthly payments was hiked from {$35.00} a month to {$89.00} a month and my interest charges went from {$3.00} a month to {$60.00} a month a year later after making regular payments on time. I opened the account XX/XX/XXXX and this change took place of XX/XX/XXXX. 
That is really high. I can see if I wasn't complying with the payments every month. They just grew a arm so large on me that I didn't knew exist. Loyalty and commitment isn't considered, holding a balance for certain periods of time is a disaster waiting with them. I wasn't expecting it. Especially since I make on time payments every month with no hassle. They tell me that the interest rates expired, but they want give it to me in writing. They fail to provide the interest rate policy information in writing every time I ask for it. The information is only shared verbally. For further information please feel free to contact me. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: GOLDMAN SACHS BANK USA
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am XXXX XXXX, a Goldman Sachs Bank USA Apple Credit Card cardholder. 
In email from Apple Card Support XXXX with title/header, Your transaction dispute was not resolved in your favor, this email states, The merchant provided sufficient evidence that you made the purchase. This email further states, You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist. Many times, via phone calls to Apple Card Specialists and via United States Postal Service mail, I have requested a copy of this evidence, the information used in this investigation. 
Twice ( in reports dated XX/XX/2021 & XX/XX/2021 ), so far, I have received an auto-generated report of " seven pages in length, a cover page and six pages of " report. '' Page one of the six pages being legible : it is a " MasterCard International ICA Representment Document ; the remaining six pages are a DISPUTE RESPONSE PACKET FROM XXXX ostensibly containing the compelling evidence used by Goldman Sachs Bank USA in deciding against me. This six-page report purportedly contains an image of the invoice from the merchant. IN BOTH INSTANCES OF RECEIVING THIS REPORT IN USPS MAIL, THESE SIX PAGES ARE COMPLETELY, TOTALLY, UNEQUIVOCALBLY ILLEGIBLE. 
Per Goldman Sachs Bank USA, I have a right to see the evidence used against me. My right remains unaddressed. 
In more instances that I can count, I have asked of Goldman Sachs Bank USA, and of XXXX XXXXXXXX ( a credit card processing service ) in both written USPS mail requests and via telephone, to provide me a LEGIBLE copy of this DISPUTE RESPONSE PACKET FROM XXXX 
THREE TIMES GOLDMAN SACHS BANK USA has charged me {$750.00} based on this evidence. And I have disputed the original dispute, and re-asserted my dispute an additional two times, making it a total of THREE TIMES I have disputed this. 
I do not feel Goldman Sachs Bank USA is deliberately keeping this crucial evidence from me : I believe Goldman Sachs Bank USA has an automated-fulfillment system in place to fulfill requests as mine. Therefore, this critical report is mailed to me without a human reviewing it. 
I HAVE REPEATED REQUESTED A LEGIBLE COPY. LET ME REPEAT, I HAVE REPEATEDLY REQUESTED A LEGIBLE COPY, ONE THAT IS REVIEWED FOR LEGIBILITY PRIOR TO BEING MAILED TO ME. 
I have not received a LEGIBLE copy : I am denied my right : I am denied the evidence upon which I may launch a defense. Let me repeat, Goldman Sachs Bank USA, through their automated fulfillment system, is categorically denying me the very right with which they have enfranchised me. Because of this, I am filing this Consumer Financial Protection Bureau complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Total Card, Inc.
State: AR
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:
TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My Macys credit was a few weeks late and they decreased my credit limit without any notification

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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently ordered and reviewed my Credit Report from TransUnion. During that review, I discovered a serious mortgage loan reporting error on their report from XXXX XXXX, as well as many other errors. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

On XXXX/XXXX/16 I mailed a complaint to TransUnion, certified mail. It was confirmed received by TransUnion on XXXX/XXXX/16. My complaint laid out my concerns, had attached all relevant supporting documentation, and asked them to investigate. 

It 's now been 4 weeks. I have no acknowledgement from TransUnion that my mailed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Please investigate these matters and correct the disputed items as soon as possible.

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 2021-07-26
Company: EQUIFAX, 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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid mortgage off on XX/XX/2022 of {$28000.00} to Bank of America after numerous problems with the crediting my account correctly. I have been trying to contact them regarding my deed and paperwork showing I paid off the mortgage. Every time I contact BoA and no matter what time of the day, I am unable to speak with anyone. The virtual assistance keep saying they are closed after saying the business hours are XXXX as the business hours. The times called is well within those hours. I've tried more than dozen times. I need these document for personal reasons and I've paid the mortgage off in good grace, so I should be given my documents without begging for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am with Santander. I have been trying to pay off the car. It's like my payments have not changed and I have had this car since 2014. I now need a truck. I can't do anything because of the pay off amount. This ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Adler Wallach & Associates, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union has reported that they were able to verify a debt XXXX XXXX reported on my credit report. I have requested debt validation by mail and also by a request by the Consumer Financial Protection Bureau and have not received any response from XXXX, which violates my rights. How is it they repond to your company within 30 days and no one else. 

I would like Trans Union to explain in detail the information they received from XXXX to prove the debt they are verifying. How is it that they received documents and not me? How is it XXXX responds to them and not the federal government. Please give details of dates and departments that responded on behalf of XXXX to Trans Unions. There is also no phone number listed for the XXXX account. Please give me the phone number

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 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
Robo call XXXX credit card XXXX. I have no credit cards. This call is every few days and cost me minutes on my cell package.

Company response to consumer: Closed with explanation