BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: Astra Business Services
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
: The Company '' is the lender, Known as XXXX   formerly doing business as XXXX, physical location in XXXX, KS at XXXX XXXX XXXX XXXX, now located on XXXX XXXX XXXX  KS XXXX I purchased a piece of real estate in XX/XX/XXXX in the City of XXXX  County of XXXX, State of Kansas, United States of America, XXXX and financed the sale through the above named entity. Through the entire time period of initial closing XX/XX/XXXX to the present, I re-financed my homesteaded real estate as approved by the Loan Officer, XXXX XXXX to improve my home and detached garage and shop building. The property is legally known as XXXX XXXX XXXX XXXX of " the Original City of XXXX. recognized by United States Postal Service as XXXX., measuring 60 feet by 150 feet. I met all requisite contractual payments until I noticed that the mortgagor, XXXX XXXX, could not account for an unauthorized withdraw from my checking account in the amount of {$250.00} in XX/XX/XXXX, an amount still not accounted for. I changed banking institutions to XXXX XXXX XXXX directing my XXXX  monies from the State of Kansas and Social Security Administration to be deposited to XXXX XXXX, and payments to XXXX be timely made from XXXX XXXX. Even though I submitted documents to XXXX XXXX from XXXX XXXX   officers rescinding automatic payments for the mortgage amount of {$450.00} and HELOC payment of {$160.00}, XXXX XXXX ignored these rescinding documents, causing several overdrafts, charging me overdraft amounts and penalties of an approximate {$490.00}, and held the payment of my Social Security XXXX  Income deposit of {$920.00} until I had paid their " electronic overdraft '' due to their error, not mine. In later court documents in the XXXX   Judicial Court, the railroaded rigged biased court ruling favored XXXX XXXX, the lender, without considering the violation of equal protection under the law of my own civil rights. I submitted an " Out of Time '' narrative to the Court, as instructed by the Hearing officer, to no avail. Though I requested a 'fair and impartial ' ruling praying for the wisdom of the Court, it appears the Court recognizes only the lender and not the consumer. In my opinion, in this case, the lender ( and company, is suspect ) and the consumer ( others like me ) are presumed at fault, especially when the lending company errored first, grossly breaking the contract thus losing Super Priority Lien status.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting false information on all consumer reports and per the report says the account was opened 2020. 
This is false as the account is not verified nor has it been deemed valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is re case # XXXX. Ford Motor Credit states that it appears I XXXX XXXX, formerly XXXX XXXX and time I allegedly purchased the car for a 3rd party. FMC has continued to refer to the XXXX as justification to have pursued debt collection. I am requesting all paperwork and documentation FMC has regarding the alleged loan I cosigned for. I have never been able to determine who maintained insurance on the vehicle, who was the registered owner or who made payments prior to the vehicle being wrecked and repossessed. FMC pursued garnishment of wages for a car I never purchased and I assume FMC knows this and decided they would file a lawsuit against me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I terminated a home security contract due to poor or non-existant service. The company XXXX neglected to provide guaranteed reporting to my local fire department or other emergency services when I had an in home fire. I had to put the fire out myself and request fire department confirmation that the fire was indeed out and there were no additional safety concerns at that time. I am now being harassed on a multiple times daily robo-calls from a third party named Virtuoso Sourcing Group in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have held several capital one credit cards for about three years now and have been on auto pay with payments coming out of the same XXXX XXXX checking account to cover the minimum payments for each credit card. 
Between XX/XX/2022 and XX/XX/2022, Capital one was accepting payment on two of my credit cards but rejecting payments from two other cards ( platinum and Quick Silver ) thus returning the payment and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). The other two cards received funds from the same account without incident. 
When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error. payment on two of my credit cards but rejecting payments from two other cards and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2021-08-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have spoke to XXXX  several times on several different occasions to CLOSE my account, I never funded the account. I express concern that if there was a data thief, they would have access to this closed account. The online access portal is still active showing this account. I just receive an email about " XXXX Checking statement is now available, Account ending in XXXX ''. I feel like I'm being harassed and the company refused to CLOSE this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed over XXXXXXXX XXXX. I have contacted Wells Fargo customer service and was told to go inside the branch for help. I did do that and the problem was not resolved. I also was charged monthly fees in the pass with having this account.

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 2021-01-06
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
For opening account promotion, I was advertised to receive {$700.00} for depositing {$50000.00} and maintaining for 60 days. 
-On XXXX, I deposited {$50000.00}. 
-On XXXX 60 days have passed. 
-On XXXX I chatted with Citi representative over the secure chat to check the status of the terms. And the representative said : Thanks for waiting, Upon checking your account, I found that you had deposited the funds within 30days of opening the account and maintained it for 60days as well. 

Please be informed that it takes another 90days for the bonus cash to be posted to the account so it is a total of 150 days from the date of the funds deposition. 

On XXXX I still have not received the advertised signup bonus.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: CT
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:
Update to claim # XXXX EXPERIAN HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO EXPERIAN ALONG WITH A 3949 IRS FORM.

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 2021-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was Credit acceptance corp for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX county civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: SC
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : JXXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX  has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and 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 2023-04-05
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I cashed out {$5100.00} from cashapp to my online XXXX banking account on XX/XX/ at XXXX XXXX. The money was not received as XXXX advised the transaction rejected due to being over {$1000.00} limit. XXXX advised the amount will be returned to the sending party. Cashapp has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX. 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2023-01-26
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX  XXXX XXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.

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 2021-01-06
Company: EQUIFAX, INC.
State: WA
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 come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least XXXX times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX  times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX  TIMES. I expect them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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 XXXX XXXX born XX/XX/XXXX am a victim of identity theft, and I did and I am sending this complaint myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent .I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit reporting act i need this action taken care off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights . 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-06-12
Company: JPMORGAN CHASE & CO.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Refinanced with another bank. J P Morgan received the pay off a day late and negatively reported a late fee. When asked they said they couldn't reverse it even though it was just a day.

Company response to consumer: Closed with explanation