BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-03
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I signed a loan agreement on XX/XX/XXXX with American Credit Acceptance. We put a very large payment down, but obtained a high interest loan from them. We bought our vehicle from XXXX car sales in XXXX, CA and before we signed made sure we could make interest only payments on the vehicle. They are allowed in California I was told. Once the loan was set up, we immediately started making payments on this loan. On XX/XX/XXXX I reached out to them to inquire about the process of how to make a principal payment and was told they dont take principal payments. I informed them that in California they were obligated to take principal payments, it was written into our financial laws. I never heard anything back. In the mean time I continue to make payments to this account and im feeling like its not being distributed correctly. There is more being put towards principal, but the accrued interest never falls below XXXX. And each day it increases bye XXXX. On my customer portal it states that I don't need to make a payment until XX/XX/XXXX. Is this loan set up correctly? From my understanding the way the loan was supposed to be set up was that you paid everything that was currently due. That includes all your interest charges and fees, and everything else goes onto your principal payment. Even if they charged me 1 months bill in advance. Why isn't everything else after that principal? They also limited the amount of transactions i could do through XXXX. Only 5. If I could find another loan servicer I would, but my credit score is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: JPMORGAN CHASE & CO.
State: KY
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:
In early XXXX I found charges on my credit card online account dated back in XXXX. Upon looking at all charges found more charges that werent mine dateing back to XXXX. I called in to report unauthorized charges and I could not find my credit card nor did I have it in my possession. 
On or about XXXX I was contacted by the Chase fraud department about these 7 charges dated XX/XX/XXXX for {$1300.00}, XX/XX/XXXX for {$160.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for XXXX. These charges are not mine nor made by me. 

In a second conversation with the chase fraud department I was told by the agent that according to my public records I worked for an equipment company in the past and these are equipment type businesses an I received letter from the Chase fraud department dated XXXX with their decision on their investigation stating I received benefit from all purchases disputed. This credit card as the majority of my other credit cards signed check id. Chase hasnt ever provided me with how they came to the decision of me receiving benefit from these charges as I didnt make these charges nor did I benefit from them Ive spoken with Chase numerous times and will still take their calls an explain this situation to them everytime. Ive wasted entirely too much time an effort in trying to resolve this issue and has became nothing less than harassment. Ive filed disputes on my credit reports an items still havent been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After carefully reviewing the letter I sent to NCA certified mail, received on XX/XX/22. written response letter on XX/XX/22. According to their written letter on XX/XX/22 they stated they will start a properly investigation and ceasing collection to all reporting credit bureaus. 
The items listed remain on XXXX and XXXX, 2 accounts with 2 different amounts, which NCA reported false and inaccuracy information on my behalf. Deformation of character. 

Violated 15USC 1681s-2 responsibilities of furnisher of information to consumer reporting agencies, on the same day upon receiving debt violation letter and not reporting on the XXXX and XXXX of each month. During this time the Company has damage and violated my rights under the FCRA 15USC1692e. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15

usc1681. The law required by federal law to verify that this information is mine and is correct. The company has only provided me a copy of a promissory note, which is not enough, per law they have 30 days to verify. SECTION 609 ( a ) ( 1 ) ( A ), SECTION 611 ( 5 ) ( A ).

The law is very clear SECTION 617 Civil liability for negligent noncompliance I demand the accounts to be DELETE IMMEDIATELY FROM ALL 3 CREDIT BUREAUS and my credit score to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ACCOUNT RESOLUTION SERVICE # XXXXRecently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVICE has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITYAND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL MID OHIO to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
I was a victim of identity theft please block and delete all transactions

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 2022-05-28
Company: EQUIFAX, INC.
State: MO
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:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXX CRP XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; and XXXX XXXX AV XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: NC
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 have recently reviewed my EXPERIAN, XXXX XXXX, and XXXX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXXXXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on EXPERIAN are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file 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 non-monetary relief
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have recently reviewed my XXXX, TRANS UNION, and XXXX XXXX report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on TRANS UNION is a fraudulent collection account reporting from XXXX XXXX XXXX XXXX  account # XXXX. Also on TRANS UNION is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file 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 non-monetary relief
Consumer complaint received 2022-05-28
Company: Colony Brands, Inc.
State: NJ
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:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is Swiss colony

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
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:
In  XXXX   XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  XXXX   XXXX  ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: NC
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 have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on EQUIFAX are XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, and XXXX  XXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today at XXXX, I received a phone call from an automated system with the number ( XXXX ) XXXX. It eventually connected me with a person who demanded I pay {$750.00} owed to XXXX XXXX XXXX. I know nothing of this debt. I have not received any bills and there are no claims via my XXXX XXXX website for this amount. I informed the man that I see nothing on my insurance portal and he told me it is my fault for not providing my insurance information and the debt has been owed for over a year. I informed him, if a debt is owed then bill my insurance and re-issue a bill because I have never received one for this company. He told me that he will not bill insurance since I received services over a year ago. I told him that I wont pay anything unless I know what it is and he then became more threatening saying that he will have to report this higher up that Im refusing to pay. I said fine and hung up. I think searched online for XXXX XXXX XXXX and found XXXX in XXXX XXXX close to my location. I attempted to call the number to get more details about the debt but the number is not in service. I believe this person was attempting to get me to pay money that I do not owe. Details for XXXX XXXX XXXX here> Address : XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: CA
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:
my rights have violated by the bureaus and/or creditor via the following account XXXXt # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
my rights have violated by the bureaus and/or creditor via the following account -XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: Vengroff Williams, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My daughter sold a car that was titled in my husbands name. The person who bought the car purchased insurance the day he bought it. The day after the purchase the title would be transferred to the new owner unfortunately the car was involved in an accident and the car was a total loss. I spoke with the insurance company and provided a bill of sale and that was the last i heard anything regarding this accident. It has been over 2 years since this incident. on XXXX/XXXX/16 I received a letter from a Vengroff Williams , INC stating that my husband owed a claim of {$2200.00}. I called the company and spoke with XXXX XXXX. I explained the situation regarding the sale of the car. She provided me the name of the person who bought the car. I looked up this company by their phone number and was amazed at the negative comments that were posted about this company. I called the company again this morning and asked if they could send me any and all documentation regarding this claim so that I might want to have a lawyer look it and the lady i spoke with became very rude and told me that she was not sending me anything. I believe this is scam. I am not understanding why after 2 years this has become an issue and this company is wanting us to pay claim that we knew nothing about.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation