BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
In a recent complaint I filled in regard to 3 XXXX and XXXX XXXX accounts on my credit report XXXX and EXPERIAN verified the debt was accurate XXXX in turn could not verify the debt and it was removed the process took over 44 days for me to be informed that they verified the debt 14 days longer then required in other instances I have also asked the creditor and the bureaus to show me the signed original contract with my signature agreeing to the debt in which I have not received any paperwork on I feel like 2 or the 3 bureaus haven't really tried to resolve this problem as the only response I get is verified as accurate even when I can't get the information I have asked for on many occasions

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 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We previously submitted complaint XXXX with our mortgage company Bank of America in XXXX 2015. We received a response, had a new Customer Service Manager assigned and were told to continue to make payments since our account was not foreclosed. We have not missed a payment in 6 months. We were also advised that if we had a change in circumstances, we should contact our manager to discuss alternate options available. To this date, I have attempted on multiple occasions to reach XXXX XXXX or someone in his office and have received no return calls. We received a letter today stating our account was being referred to foreclosure. Again, I called XXXX XXXX to call to discuss this letter and received his voicemail. I am extremely frustrated by the lack of communication we received prior to opening this letter. No additional options or attempts to contact us from their end were made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
over the period of several years we have experienced a number of income changes and asked to have loans reduced to income adjusted. Being compensated by 100 % commission, we have had months where the money was not there to make the required payments. Therefore, we have been placed on forbearance numerous times. This has caused the student loans to accumulate to the point of no return. Right now the monthly payment is {$4900.00}. The overall balance as of XX/XX/2016 was {$440000.00} at an interest rate of 7.75 %. This is beyond manageable. I am XXXX years old and will never see this loan paid off. I stay in touch with Navient but they offer NO assistance other than " we can put you in forbearance ... I need help and have nowhere to go. This debt has been accumulated from loans taken to educate our XXXX children. No school or provider was ever interested in any type of student aid. This was the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Other

Complaint:
I ask for a Business Credit Card 1 month ago, but the Bank pulled my Credit Report 3 times. 


I applied for a business credit card on XX/XX/2017. 

But I have 3 inquiries XXXX XX/XX/2017, XX/XX/2017 and XX/XX/2017 )

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 2020-03-31
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice that my credit score had dropped. Checked and saw a debt collection from Sequium Asset Solutions for XXXX from a XXXX XXXX  account in NV. Turns out someone opened this account in my name and XXXX did not verify any of the information or have any proof I opened the account despite going in person to install it in NV. I have been trying for over a month to have the debt removed and it is impacting my credit. I have filled out a police report. I believe that XXXX is negligent in letting people set up accounts without any standard verification and then it is impossible to get the debt removed so if you need your credit fixed you end up paying it - even if it is a scam. This is extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
My monthly bill payment is setup for AutoPay through my bank checking account. My checking account was potentially exposed for Identity theft and bank advised me to freeze that checking account and open a new one. The bank also advised that any payment in process may not clear. 

Unfortunately, my Autopay payment was in process and did not clear. So, I called the credit card customer service explained them the situation with my frozen checking account, and made payment through my newly established checking account successfully. 

Credit card company continued to make additional attempts to withdraw funds as per the AutoPay setup from my frozen account. The company charged me for Return payment charges after two additional attempts post my payment on XX/XX/XXXX. 

I called the credit card customer service to credit the fees but the response was - it is a legitimate charge and can not be undone. 

It is incorrect to have automated system try to collect funds through AutoPay channel after the payment was posted through another channel. This is a bad customer experience and potential for double payments ( and these could be large sums ). 

As a courtesy, Credit Card customer representative gave me XXXX miles credit to my Delta skymiles account. I told him that I'd rather have the incorrect charge corrected and he provided me with Corp services US Mail address but without any SLA commitments. 

Thus, I am reaching out through this portal for just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
It was back around XXXX when the account was open. I was approved for {$1000.00}. I called the company told them i needed to work something out there was a XXXX i was involed in XXXX XXXX XXXX and they proceeded to do nothing about this but XXXX me after i told them i was XXXX and have documented XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please try to open an account online with HSBC. They are asking for ridiculous amounts of information no other bank asks for when opening an account online. They are saying the Patriot Act requires it which is simply a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: National Credit Systems,Inc.
State: NM
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 notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. Over 30 days ago I submitted my police report to Experian and requested that fraudulent accounts be blocked from my credit report pursuant to the Fair Credit Reporting Act - Section 605B. Some were and some were not. The fraud accounts were blocked from the other bureaus. They are detailed in the credit report ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, & XXXX XXXX that was again uploaded to their website with hopes that this time they be investigated and removed as they are fraudulent.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Santander auto loans have been involved in a 32 state lawsuit and the class-action lawsuit is complete with Santander being required to pay out billions of dollars in retribution. I am one of those people on said lawsuit. His company has repeatedly refused to provide me documentation they have charged off my loan while I was in the middle of paying it they have incorrect information on my credit report they refuse to fix for over 2 years from the amount that they stated are owed to the late payments which were not late to the fact that now I have no title still to this vehicle. I have paid over {$35000.00} for a used vehicle and they have no record of the original contract they refused to send it to me and they refuse to acknowledge that I put a down payment on a vehicle that they never applied to the actual balance of the loan. I have every piece of documentation yet I don't have the original contract from them only from the dealership. For example in XXXX of XXXX they stated I owed {$17000.00} on the vehicle and they reported that to all of the credit bureaus however when I log into my account the balance I owed in XXXX with {$17000.00} with 188 payments being made almost equaling the amount of {$500.00} for each payment. So therefore that small example shows that they are fraudulent and they actually owe me money. There are 188 entries and transactions in my account for Santander showing every painted that I made from XXXX XXXX until XX/XX/XXXX. How would I still owe them money? Why would they charge off an account that I am still paying on? From XXXX of XXXX until XXXX of XXXX I have every transaction and I have every transaction from my bank before that as well. If this is not fixed I am working with a credit repair company and an attorney to get this taken off and this is my final attempt to do this the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit balance refund check from CapitalOne on XX/XX/2020. I have not received my funds as of today, XX/XX/XXXX. The amount is {$6100.00} from my Venture credit card. 

After the check was returned to the company due to an address issue ( one that was not my fault ), I have called 20+ times to check on the status of my money. 

In almost each instance, the customer service reps suggested a different plan of action or just told me to wait. 

Now, my money hangs in the balance as a case investigator looks into where my money is. This is absolutely not acceptable as I need this money to pay my bills. 

In essence, CapitalOne has taken my money XXXX as it grinds through ineffective administration efforts. 

Absolutely shameful given current economic situation and financial difficulties consumers such as me are facing! I just want my rightful money back NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.

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 2021-07-31
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX

Company response to consumer: Closed with explanation