BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Americollect Inc. '' The company received my letter on XX/XX/2021 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX i checked my personal credit report and noticed that there are several erroneous pieces of information that are currently reporting. I did not apply for these accounts or give anyone permission to apply for any accounts using my name or social security card. the first account is acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} i currently dont have any information about how this information came to be on my credit profile but i will be using this document to file a police report today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: PA
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:
Hello XXXX XXXX here, this complaint is regarding a dispute filed against XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I filed a dispute through Care Credit/Synchrony Bank regarding XXXX XXXX XXXX  not satisfied. 

I call XXXX XXXX XXXX two weeks after service done on XX/XX/XXXX that my XXXX  were not XXXX as promised they would be. I left several messages and I received no response, and so I filed a complaint with Care Credit on XX/XX/2022. 

I received several text 's and call 's from XXXX XXXX in XXXX, and when I called her back thinking that they were willing to work with me, instead it was a threat to call off the complaint or they will get there lawyer on me. 

The final decision was granted in there favor foXXXX XXXX XXXX XXXX XXXX. I was sent an email with a XXXX  file that I and Care Credit support help was not able to open file. 

I was told that they would send it out by mail due to unable to discuss over the phone. I have been calling Care Credit for over three months now, and I still have not received letter of narrative describing why my complaint was denied and giving in the favor of XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: World Acceptance Corporation
State: KY
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 submitted a dispute earlier this yr regarding my balance showing incorrect on my report, ever since I've filed that dispute, they've illegally reported higher balances on my credit report several times. The original debt is XXXX, they've hiked it up little by little to where it is hurting my credit score. They are trying to force me to contact them when I don't have to u less I absolutely have the funds which I don't. But to keep updating my balance to a false amount is not right. It's literally been at XXXX for years since 2017 I believe and now it's going up AFTER filing a dispute. It seems like they've decided to find a way to retaliate and that's not right. If I'm broke I'm brokeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They need to fix this because it's hurting my credit no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We need the following information. 
Affadavit 's were filed by XXXX CitiMortgage a.k.a. Citibank 's Vice President. " Representatives ''. However, there is no County or state seal as to the whereabouts the documents were signed and attested too. Please provide the appropriate State , County and Location for XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Are the Citi representative 's above located at the XXXX Branch? XXXX Branch in XXXX Coiunty? XXXX Branch? XXXX Branch? 
Thank you for your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: U.S. BANCORP
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). 
On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. 
I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. 
Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! 
I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. 
SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: United Consumers Inc
State: IL
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 never answered the call, but I 've recieved an automated message saying " We have an important message from a United Consumers. This is a call from a debt collector. Please call us back at XXXX XXXX XXXX or at XXXX XXXX XXXX. I do not pay any bills as I do not have my own house or any bills addressed to me, therefore I do not have any debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Focus Holding Company
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: PLANET HOME LENDING, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in relation to Planet Home Lending Mortgage Company. I have been charged additional fees up and above my regular mortgage payment for the XXXX time this year. I went through a loan modification XX/XX/XXXX and it is currently XX/XX/XXXX and I continuously am being charged fees. I have called Planet Home Lending customer service and they ca n't give me a straight answer. XX/XX/XXXX they charged me a fee of {$34.00}. Their explanation was that it was in regard to my loan modification and was a fee that was not paid. I reluctantly paid. Then XX/XX/XXXX I was charged a fee of {$51.00}. When I called to inquire, they were not sure what the fee was for and they credited my account, but left a fee of {$3.00} which again I paid. XX/XX/XXXX they again charged me another fee of {$46.00}. Again after speaking to them, they corrected the fee. Now, I received my XX/XX/XXXX statement and another fee for {$17.00} has been charged to me. I am very frustrated with these fees almost every month. I called and inquired about this fee and they said it was a fee for a XXXX drive by '' that was conducted during my loan modification process XX/XX/XXXX. A year and a half later and they are charging me for someone to drive by my home to check if it is occupied. I am tired of taking time to inquire about these extra charges for all these months. I feel I am being penalized for obtaining a loan modification and they continuously are finding some kind of fee to charge me above the regular mortgage payment. Is there anyone that can look into this company? Maybe conduct an audit and check if this is happening to other customers. I received a loan modification in order to afford my monthly mortgage, but the fees they keep assessing is not helping me what so ever.

Company response to consumer: Closed
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax refuses to remove a cancelled judgment from my report. I am including a copy showing this judgment has been cancelled. Every other credit bureau has removed the judgment. Equifax however always thinks they can damage someones credit at their own free will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This credit bureau has information on my report that is inaccurate. I have never opened an account of any kind ever in my entire life. I have never authorized any accounts to be opened in my name, ever in my entire life. This bureau and any accounts/creditors can not prove or provide any evidence of me opening any accounts in my life. I have never had a utility in my name, a credit card in my name, or any debt in my life. I have never provided my social security number to anyone/entity or authorized the use of my social security number to be used. This bureau is reporting false information on me and in no way can supply my signature on any contract or my identification associated with any account that is reflected on the false report it continues to house. I have never authorized any inquiries on my credit report and will be having this bureau audited and all creditors/inquires audited as well.

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 2021-07-07
Company: DISCOVER BANK
State: IL
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 filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went on Chase.com to open a Business checking account for my mortgage broker business and I was denied the account opening when I entered the XXXX XXXX XXXX and I was asked to visit a branch location for opening the account. Today morning at XXXX I went to a Chase Bank branch on XXXX XXXX XXXX XXXX XXXX and met with their banker XXXX XXXX to open the business checking account and provided him the XXXX and the certificate of formation from the State of Texas. When XXXX entered all the information and then entered the XXXX XXXX XXXXXXXX he got the same message on his screen that Chase will not open by business checking account due to that XXXX XXXX. As per the anti trust laws this is stifling competition and for that purpose CFPB needs to investigate Chase bank to stop the practice of refusing opening accounts for Mortgage brokers to reduce competition in the mortgage industry. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a pair of earings from a vendor named XXXX at a festival on XXXX XXXX, 2016. This purchase was correctly charged to my Wells Fargo XXXX XXXX card by the vendor for the sum of {$59.00}. I then decided to buy a second pair of earrings. This time the vendor fraudulently prepared the credit card slip in the amount of {$540.00}. The actual price for the earrings was the same as the first pair : {$59.00}. I did not notice the fraudulent change and signed the credit card slip. 
Please note the attached exhibit of XXXX 's inventory from its website at XXXX. Every item carried by XXXX is priced between {$27.00} and {$55.00}. It defies believe that anyone would purchase {$540.00} worth of merchandise from a vendor at a festival operating from a tent! I have made every effort to locate the XXXX company without success. There is no business address on its website and I could find no listing of any such business on file with the Georgia Secretary of State. 
I have reported this fraud to Wells Fargo twice. Wells Fargo has refused to adjust this charge.

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