BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Avant Holding Company, Inc.
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: Privacy issues

Complaint:
Ongoing violation of privacy and online disclosure of NPI information by AVANT CREDIT CARD I had a credit card with Avant. When I received my card, I went online on XXXX to set up a online login. 

There are TWO attachments to this complaint. See the circle in blue of the attachment NO 1. Clicking on that link from XXXX takes you DIRECTLY to the login page where ANOTHER persons email automatically populates ( see 2nd attachment ). I had 8 other people try this from their computers at diffferent locations and all had the same result. 

I called on XXXX to report this to Avant. I provided the email address to the representative who CONFIRMED WITH ME that this was a valid email address and that they do have an account with this person. ( another violation of privacy )., I contacted the person via email and advised her of this. She and I are still in contact via email. She has tried to get them to do something about this. She was told by a manager that " She should find someone who knows about computers so that they can explain to her why that cant happen ''. She too has had friends of hers able to access this information and link from different locations. 

I went online today, XXXX. The direct link is still there. 

We have both cancelled our accounts with Avant. They have been notified by two people now ( maybe more ) of this violation and concern. There clearly is a problem with their software or networking systems. This puts all customers confidential information and safety at risk.

Avant is NOW KNOWINGLY putting this persons identity and security at risk.

They arent acknowledging it and are refusing to do anything about it.

I have since placed credit alerts on my credit report and taken all other steps known to me to protect myself and my identity in the event my information is unknowingly released due to the faulty security practices of AVANT. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After making bi-weekly payments, and requesting past due amounts, which was mailed to my home on XXXX XXXX which showed past due late fees of XXXX. Chysler Capital repossessed my car on XXXX XXXX my car was tooken by a recovery company with NO repo order. I also never received any statements in over 9 months which I called and complained several time on. 
I called the police the police ran my VIN and no repo order was out for my car. 
The Reinstatement Department is now telling I owe XXXX, to get my car back and they will not allow me to pay XXXX, or any types of payments arrangements. 

I spoke to several agents and was told that prior Repo order XX/XX/XXXX was lifted, then a collection agent told me my car was repo due to paying biweekly instead of monthly. I have always paid bi-weekly since the start of the loan in XXXX. 

I'm asking to have my account reviewed my management to retrieve my car for a lesser amount due having a hardship and the current Pandemic I can not afford XXXX. The collection department will not let me speak to management regarding this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: GLOBAL PAYMENTS DIRECT INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I requested my anual free report, but Global Payments Check Services LLC, Attention FACT ACT support department. Despite I filled out the request form and I sent all my ID documents required by the company, the answer of Global Payment was : BASED ON THE INFORMATION YOU PROVIDED US, WE HAVE NO MATCHING RECORDS IN OUR OPERATION SYSTEM. I left several messages in their phone, but this company never answered me. I believe this company does not want to give me my annual free report.

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 2021-09-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Thanks for your response and update regarding Select Portfolio Servicing ( SPS ), my servicing company. I really tried to modify this loan but SPS is difficult in assisting me. They promised to help me with a modification but they have not kept their word. The fact of the matter is I loss my job through no fault of mine. I have XXXX XXXX and I am XXXX years old. I have been experiencing more challenges to find a decent paying job versus when I was younger with less qualification. I even contacted my Congress Woman and she has been diligent in seeking assistance! 
I have always taken my responsibilities seriously especially my mortgage to name one. The reason I am behind these payments is because I loss my job on XXXX occasions. SPS accepted my unemployment and said they will work to modify my loan when I found a job, they did not indicate the pay range that will be contingent on my modification. They denied last year due to the debt to income ratio but it they modify to make the payment affordable the ratio will adjust. It was about making home affordable last year. I have been working as of last year and making my mortgage payments but they instantly came to me to cure the loan of approx. {$11000.00} plus, granted I am scheduling mortgage payment as much as 3 in advance. 
Regarding the modification I sent the corrections they requested per your letter and as of now they have all documentations per their requests. The last request was a clarification if I am going to submit taxes for XX/XX/XXXX. Why will I evade my taxes when I have been consistent!! I sent XX/XX/XXXX and XX/XX/XXXX taxes since last month. I called to affirm their clarification. According to them as of XX/XX/XXXX they have all the requirements. They are threatening to take legal action as of XX/XX/XXXX if I do not cure the default amount. I have not received the letter yet but the rep. read that to me Please help me, I do n't want to lose my home!! There has to be light at the end of the tunnel!! 
Thanks! 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with Binance US. I need access to my account to get my tax records for XXXX. When I log on I receive the error message that I have pasted below. If I don't consent to this I can't access my account. Basically my account ( funds and transaction records ) are being held hostage by the company. I NEED this data to file my XXXX taxes - so I am being forced to agree to this. 

We updated our Privacy Policy BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/XXXX By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: Comerica
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a direct express card which my SSI money goes on every month. I was a victim of identity theft today and Direct express mastercard is giving me nothing but the runaround. I had XXXX left on my card and now it is a XXXX balance. There were XXXX charges on my account for a total of XXXX which left me with a XXXX balance. I now have nothing to live on and am without any means of income. Direct express is telling me I have to wait 5 days to see if the charges went through and than file a dispute. This is ridiculous. I can not wait all this time to get my money I need to live on. Direct Express reps just give me the runaround telling me I have to wait. I have mental illness and I do n't want to endu p in the psych ward over this. Nobody is willing to help me. I filed a police report and Direct Express is giving me nothing but the runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Consolidated Recovery Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the amount that is trying to be collected from CONSOLIDATED RECOVERY GROUP is completely wrong they are stating this was a loan their are no loan documents to prove that I ever signed for a loan with this company or any other company they are committing federal fraud by trying to collect illegal amounts on a debt that they purchased from a third party I owe them nothing and they are illegally trying to collect debt and stating that I got a loan with CONSOLIDATED RECOVERY GROUP or their third party company they bought the debt from I was never loaned any money or signed a contract for a loan but this what is being reported to all three major credit bureaus.We have sent 5 of the same legal cease and desist orders to CONSOLIDATED RECOVERY GROUP via email and us mail for them to stop this fraud but to no avail now they are breaking the law and now a federal investigation needs to be started to stop this I will be turning this over to the FBI and filing fraud charges if CONSOLIDATED RECOVERY GROUP does not fix this today I have proof of all of their illegal actions and threatening and intimidating and illegal actions to defemate my character and my credit history illegally by using these tactics.I have all the amounts they are illegally trying to collect and report. CONSOLIDATED RECOVERY GROUP needs to Cease and desist all collection activity and have original creditor to contact me by mail and prove to me that I took out an unsecured loan with their company and the document needs to say that I applied for and got approved for an unsecured loan because I got my credit pulled for a loan from them or their affiliates and I never signed for a loan with them or their affiliates never.I have proof from the credit bureau they are saying this a charged off debt loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TransUnion is reporting bankruptcy on my credit report it's infringement upon a consumers right to privacy pursuant 15 usc 1692

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 2021-09-28
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
FCRA Honda finance is to be removed from my credit report it has been over 7 years. And I paid off settlement account closed for 5 years. Delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Netspend Corporation
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Overdraft, savings or rewards features

Complaint:
I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Franklin Collection Service, Inc.
State: IL
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:
since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-09-28
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Exeter Finance Corp.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I lost my car in an accident on XX/XX/2015. My primary insurance paid about 90 % of the financed balance. It took over a year for my gap insurance company to pay what supposed to be the remainder. Meanwhile the finance company charged off my account even-though they were aware that I 'm waiting on gap insurance payment. I have talked to exeter Finance so many times and each time I have been given a different answer. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Guild Mortgage Company LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received a bill stating that I owe {$1200.00} from the XXXXorporation ONLINE INFORMATIONS SERVICES INC. I XXXX XXXX has never contracted with this corporation or the service address stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Comerica
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Comerica Bank in XXXX has been mailing my pension cheque for 30 years. 
In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX

Company response to consumer: Closed with monetary relief