BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management Numerous calls and I mean Numerous Very hard to let them know- I mailed a {$52.00} check to XXXX XXXX XXXX  @ XXXX XXXX XXXX, XXXX  NY XXXX The bill amount is for {$52.00} check is fromXX/XX/2020 I am XXXX person and can not stand the stress of this issue! 
I believe in paying my bills-However I was taken to a hospital for almost serious health problem. 
I did call XXXX to check on what is going on. I believe they sold this to them probably for a dollar or so. 
I do not believe a person credit should be suffer for {$52.00} I need help with this matter. 
Better commucation is the key!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-26
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The collection account NATIONAL CREDIT ADJUST is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS, XXXX provided fraudulent statements in a response to my complaint, please see attached. SPS XXXX the Bankruptcy Court Notified them about a Bankruptcy I filed 4 years when XXXX was the mortgage holder on the property. I spoke with XXXX Bankruptcy and my attorney, no notice was sent to SPS about my bankruptcy. If SPS was sent notification I would like a copy of the notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: DriveTime
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
My Santander personal loan is showing I have an outstanding balance of {$1000.00} And my account has been current for the past 2 months

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 2016-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have contacted Bank of America NUMEROUS times about identity theft I was experiencing. Bank of America still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Bank of America refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.

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 2017-01-10
Company: CCS Financial Services, Inc.
State: PA
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:
My mother opened this account without my permission using my social security number. When I called the collection agency the person I spoke with did not have my phone number on file he had a number I did not know and then said I owe the debt because it was my mother and replaced the fraudulent phone number that was on file with my phone number and I did not ask for this. I want my phone number removed because I do not owe this debt. This account was opened without my consent or knowledge. The person on the phone also said that it is true that anyone can open an account over the phone with someone 's social security without being fully identified and I think that is unfair and I should not owe this debt. My mother was also XXXX for identity theft and other similar charges and I stated that and the debt still was not removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: I.C. System, 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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 explanation
Consumer complaint received 2021-03-19
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XX/XX/2021 I received an email from Apple Card. It offered 3 % back on all Apple Card purchases. I used my card on XX/XX/2021 for a {$190.00} eyeglasses purchase. I got a XXXX award a couple days later - 1 %. I called Apple Card. They explained I didn't do it right. I still don't understand, but it is something about using my phone. I asked them to stop sending me misleading offers. I returned the glasses and repurchased them with another card. Today, i got a reminder email from Apple Card. " Don't miss out on 3 % Daily Cash this month every time you use Apple Card ... ''. I don't think this type of deceptive advertising should be allowed. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had bank of america and when I was trying to get a modfication they told me to stop paying my mortgage so I did cause they told me i was more likely to get it if I showed I couldt pay now they reported I was 17 payments behind on my mortgage which i was not and they refuse to take it off my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A REPLACEMENT CREDIT CARD SENT TO ME VIA USPS WAS STOLEN & FRAUDULENTLY USED TO MAKE A PURCHASE AT A XXXX STORE IN XXXX XXXX  FOR {$1000.00} ON XX/XX/20. 
I WAS NOTIFIED BY TEXT & EMAIL ON XX/XX/20 & CONTACTED CAPITAL ONE STATING IT WAS NOT MY PURCHASE. THEY REVERSED THE CHARGE ON MY CARD. THEY INFORMED ME THAT A REPLACEMENT CARD HAD BEEN MAILED TO MY ADDRESS, I TOLD THEM I NEVER RECEIVED THAT CARD. THEY ALSO SAID IT WAS AN ACTUAL PURCHASE IN THE STORE. 
ON XX/XX/20 THEY REINSTATED THE CHARGE TO MY ACCOUNT, & NOTIFIED ME BY MAIL RECEIVED XX/XX/20 THAT IT WAS NOT FRAUDULENT ON XX/XX/20 I CONTACTED CAPITAL ONE QUESTIONING WHY & HOW THEY DETERMINED IT WAS NOT FRAUD. 
I EXPLAINED I NEVER RECEIVED THE REPLACEMENT CARD & WAS TOLD THEY WERE NOT AWARE OF THE FACT THAT THE CARD MAY HAVE BEEN STOLEN. 
I ALSO EXPLAINED THAT XXXX IS 490 MILES FROM XXXX & EXTREMELY UNLIKELY THAT I WOULD TRAVEL THAT DISTANCE TO MAKE A PURCHASE AT XXXX. THEY CONFIRMED IT WAS THE REPLACEMENT CARD USED & WOULD CONTINUE TO INVESTIGATE. 
THEY DID NOT RESOLVE THE ISSUE & IT IS ON MY BILL. NOW I WILL BE OUT OF POCKET {$1000.00} DUE TO A RIDICULOUS METHOD OF ACTIVATION OF A CREDIT CARD & EXTREMELY LAX & INCOMPLETE INVESTIGATION OF A FRAUD. 
I AM ABLE TO PROVE THAT I WAS IN XXXX XXXX  AT THE TIME OF THE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection showing up on my credit report that never happened

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I paid {$1100.00}, {$550.00} each transaction, to XXXX for one way flight tickets to XXXX from XXXX, using PayPal Credit. These tickets had rebooking terms that stated I would only be responsible for fare difference and monies paid would go toward the rebooking cost. When I needed to rebook on XX/XX/2022 the terms were honored, but they were not honored when I needed to rebook on XX/XX/2022. I disputed both {$550.00} transactions, one of which I had already fully paid off, the other I had made over {$100.00} in payments towards, with PayPal Credit aka Synchrony Bank on XX/XX/2022 and on XX/XX/2022 I received an email from Synchrony Bank stating they could not continue with my dispute because I already disputed these transactions with my financial institution. I reached out to Synchrony Bank via live chat the same day, as I paid with PayPal Credit aka Synchrony Bank, so its impossible for those charges to be disputed anywhere else. I was told by the agent that the disputed had been resolved in my favor and credits for the amount of both {$550.00} transactions had been credited to my account permanently. I made sure to confirm these were not temporary credits while the dispute investigation was ongoing ; I was assured it was permanent and the dispute was resolved. However, one credit was reversed on XX/XX/XXXX with no explanation.

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 monetary relief
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Name : XXXX XXXX Date of Birth : XX/XX/1996 SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) this account is still appearing on my Transunion credit report and it's been successfully removed from my XXXX and XXXX  XXXX reports. Account fraudulently opened in my name without my permission or consent. Please remove. Attached documents please review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I attempted to shop for a good rate for a car in XXXX of 2014. I went to one XXXX dealership and I received 9 hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: World Acceptance Corporation
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : This complaint concerns my XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. XXXX XXXX  has provided no proof of this alleged sale. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX Card from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a letter requesting a copy of the sales contract, as proof of the alleged sale. This letter is attached. 
3. My XX/XX/XXXX letter to Portfolio Recovery Associates was sent by Certified Mail, and it was signed for/delivered on XX/XX/XXXX. Documentation is attached. 

Since XX/XX/XXXX, Portfolio Recovery Associates has been totally and completely silent. They have provided no actual documentation of their alleged sale, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. In addition, Portfolio Recovery Associates has reported this account to the credit bureaus without proving their right of ownership.

Because of their silence, Portfolio Recovery Associates refuses to answer the following questions : What is their proof of ownership? Why did they disregard the 30-day Fair Debt Collection Practices Act requirement? 
Do they honor and respect the 6-year statute of limitations under Nevada law? 
Do they recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc.??? Proof of Income is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
OnXX/XX/2018, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with Capital One. On XX/XX/2018, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, XXXX XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, Capital One, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.

Company response to consumer: Closed with explanation