BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: First National Collection Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BOEING EMPLOYEES CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I refinanced a loan with BECU from another local credit union for a vehicle I bought used in XX/XX/XXXX and purchased full insurance coverage for my vehicle through a national insurance carrier from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received a Final Notice from the bank to provide Proof of Insurance for my vehicle. BECU outsources this work to a company called " XXXX '' to verify Proof of Insurance or I would be charge an insurance premium of {$3800.00} if they do not receive proof of insurance by XX/XX/XXXX. 

On XX/XX/XXXX, I provided my proof of insurance through XXXXXXXX XXXX   website ( XXXX ). Though the Final Notice was missing a critical piece of information to provide my insurance cards. I did not have a reference number in my notice. 

I was able to submit my insurance cards through XXXX 's website and received email confirmation on XX/XX/XXXX that my insurance cards for coverage between XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX In addition to submitting information to myinsuranceinfo.com I also called into the BECU 's insurance center to ensure they will receive my proof of insurance. The Customer Service Agent was able to confirm with my Agent that I had insurance coverage between XX/XX/XXXX - XX/XX/XXXX. However, in XX/XX/XXXX I had also moved from XXXX State to XXXX so the BECU Customer Service Agent did not want to wait on the phone for my Florida Insurance Agent to confirm that I had proof of insurance from XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my loan was charged {$3800.00} for insurance coverage. I called into BECU 's Insurance Center and they told me they were not able to help as they outsourced verification of insurance to XXXX. 

I called into XXXX 's customer service line and their Customer Service Agent told me they just processed my proof of insurance on XX/XX/XXXX. 15 days after I submitted proof of insurance. 

I do not think it is a coincidence that my proof of insurance was processed on the same day as my deadline to provide proof of insurance and I do believe there is foul play either or both at XXXX to collect insurance premiums or BECU to collect additional interest from the increase loan value.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Billed for $ XXXX but upon request received verification for only {$82.00}.

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 2015-09-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Repeated phone calls with obscene language. Poor customer service. Rude, disgraceful, no customer satisfaction provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} and DEPT. OF EDU/XXXX XXXX XXXX XXXX XXXX and XXXX reported closed {$0.00} balance on XXXX XXXX and is only reporting these accounts on TransUnion Report, XXXX is reporting Unfound Data. I have tried to obtain my XXXX credit report that has a freeze I did not authorize. XXXX is reporting a balance of {$66000.00} a current payment status and TransUnion is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE THIS ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against Trans Union, XXXX, and 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 non-monetary relief
Consumer complaint received 2017-05-20
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IMPROPER USE OF CREDIT REPORT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Executive Acquisitions Group, LLC
State: AL
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 continuously receive threatening phone calls from some man named XXXX XXXX. He claims to be an investigator for EA Group. He calls from a private number. He has contacted my employer & left messages with co-workers stating I 'm in trouble, I have a criminal felony fraud case pending. He has even called family members and friends with these bogus shenanigans. He states he has a court order to serve to me. He then gives me a phone number to call : XXXX. I called and requested that they stop the calls and threats. The lady I spoke with their only said I will be going to jail & wished me luck. She then disconnected the call. I am receiving these calls constantly throughout the day at work, on my cell phone & they are even harassing my relatives.

Company response to consumer: Closed
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have contacted Transunion back in XXXX, 2017 asking them to update my personal information because I had moved, along with sending me a current credit report.
They finally sent the credit report in XXXX 2017 after using your online service to complain and report this issue. They have fixed the majority of the errors on the credit report, but for the past two months and the past two credit reports I have received from Transunion, they still refuse to DELETE two addresses that DO NOT belong to me. I also asked they use the most recent previous address, and the most recent previous employer to be listed in their file for security purposes. To date, none of this has been done! I really do n't understand why they refuse to delete inaccurate addresses, along with why this is taking so long to do when they are required to do this within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: First National Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). 
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. 
Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Allied Collection Services, Inc. (Nevada)
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 is missing that should be on the report

Complaint:
i check my credit pretty regularly and i noticed last week that this Allied Collection Services showed up on my report for two bureaus which is XXXX  and XXXX. I am not happy because i have never received any letter regarding this collection or anything. i am disputing the validity of this debt until they can prove other wise. This company went about it the wrong way and in an unethical manner. Something just should automatically appear on ones credit report unless numerous attempts to try and collect via phone and mail. This comes as a surprise to me and i am not happy because i am gradually trying to increase my score to own my own home one day and this knocked my score down by 42 points. I have research my own information about this company and they dont do things the right way they do it their way. I am asking this so called debt they are saying is mine off of my credit report and for them to prove its mine under law. Also on this report on XXXX XXXX there is no account number or anything so i dont trust anything. Again, Allied has not contacted me to settle anything if this was my debt, they just put it on ones credit. Also i know what a collection letter looks like and most times they offer a settlement amount. i have nothing to reference to but this screenshot from XXXX XXXX. XXXX will say they will work with people and i know that any they will still put thru to collection services..my thing is this XXXX account associated with Allied Collections Services is inaccurate and i am disputing this debt because i was never contacted of this debt by Allied collection Services and it mysterioussly popped up on my credit report last week

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 2015-08-11
Company: Receivables Performance Management, LLC
State: TX
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 have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: General Motors Financial Company, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: TX
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:
Noticed on my Experian credit report a hard inquiry from XXXX XXXX XXXX dated XX/XX/2020, with an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX and a phone number of XXXX. 

Called Experian at XXXX for assistance on this, and they hung up on me. Called the number listed by the alleged inquiry, got a voice mailbox. 

I have never heard from this company, never done business with this company, and I never authorized them to pull my credit at any time.

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 2020-06-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MI
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 received an authorized and unverified credit inquiry on my report unbeknownst to me. When I tried to have it removed, Equifax refused to remove it from my report after numerous attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX NAVIENT PMT {$0.00}???? 
XX/XX/XXXX NAVIENT PMT {$500.00} XX/XX/XXXX NAVIENT PMT {$1500.00} XX/XX/XXXX NAVIENT EBILL FOR {$1500.00} XX/XX/XXXX PURCHASE ON XXXX NAVIENT COMMERCIAL CARD XXXX FOR {$300.00} XX/XX/XXXX NAVIENT PMT SPE {$100.00} XX/XX/XXXX NAVIENT PMT XXXX XX/XX/XXXX NAVIENT PMT {$640.00} a total of {$4800.00} was taken out of my account without my concent i never authorized this charges or transactions whats really interesting is that these began a month after i thought i had settled the accounts but apperantly i now know that i only settled an already charged off account that loan was already sold and charge off on my credit report and they didnt tell me that instead they send me a letter from some lawyers saying they were going to sued me if i didnt sign that stipulation afraid of having a lien put on my house i panic and call them to make it go away and they told me it would clear all accounts i confirm after when i check my navient account and all XXXX loans had a XXXX balance well sure they had a XXXX balance but behind close doors they were taking money and not reporting it I NEVER RECEIVED A RECEIPT OR STATEMENT STATING HOW MUCH I PAID OR HOW MUCH WAS LEFT.. when i called to talk to someone about this i was welcome with a bad attitude and they even laugh at me when i told them i thought those loans were settled they laugh saying " please we are govenrment loans we never settle for less than the actual amount ''. ok i said then can you tell me how this payments were authorized cause i sure didnt do it. SHE STATED THAT I DID that i log in and i made those payments from the navient website really? i sent out a payment of XXXX cent? that to me looks like they were checking the account see if it worked and if i did made that payment where is my receipt? and why is there 3 different modes of payment notice there is a PMT AN EBILL an A PURCHASE under the description of the charges charges that i did not make nor did i authorize or anyone i know i think something else happend and they wont tell me anything they even ask me where i find this stuff that they could not see it ITS ON THE NAVIENT ACCOUNT MY ACCOUNT ALL DETILS ARE THERE even numbers that dont make sense like XXXX of my loan jumping from XXXX to XXXX after receiving a refund from the school how in the XXXX does that happen it was a refund not a charge me whatever you feel like it when you feel like it charge so frustrating

Company response to consumer: Closed with explanation