BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-09-04
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting 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, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PENTAGON FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2020-03-30
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been on hold to with Shop Your Way Sears ( aka Citi ) to suspend my payments due to Corona related income reduction for about 3 hours. Someone finally picked up and told me that if I place my card on forbearance my account will be closed. I asked how long the forbearance would be for and she told me I could not be given that information unless I was willing to close my account and that it would not be reopened ever. She then put me on hold again with dead air appearing to make it look as though I'd been disconnected. Finally, she returned to tell me I was being put on hold again awaiting talking with an account manager. My experience with this makes it clear that this credit card company is resentful in providing forbearance as the subtext of the conversation is actually a threat of forbidding future credit and making it so onerous it would be seemingly impossible to get done without and extensive time investment. I do not think it is the intention of the Care Act to treat people as bad credit risks and or make it impossible to later procure credit and require enormous effort to exercise the benefits it offers. This credit card company needs to immediately institute and easily accessible online application, complete with all details of how long the forbearance will be and how the paused payments will be handled once the forbearance is over. While writing this I finally was given a person to speak with who then told me at this point I could have my account shut down with no information on what that would mean and how it would impact me or my credit or I could call back at some future date and wait on hold again for many hours to see if their management had made decisions and made actual forbearance options available. Clearly, this company does not want to play, or comply with the spirit of the Care Act and is willing to make it impossible for people to benefit by it.

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 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a {$200000.00} line of credit with Bank America - used over {$500000.00} during 40 years never late always paid off loans before due date -- - account is paperless had not used line of credit for several months then just learned they cashed-out account because of a {$5.00} charge I was not aware of ... {$5.00} I contacted them and was told to wire them the {$5.00} UNBELIEVABLE!!! I did and they said they would notify XXXX to remove complaint. I filed a complaint with XXXX and was just told by them that although I paid the {$5.00} Bank America wanted the bad debt filing to remain They have tarnished my perfect credit score for {$5.00} They never reached out to me about the {$5.00} NOT FAIR!!!!

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 2023-04-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Disputed account information via credit bureau. Company did not provide validity of original contract with XXXX XXXX. Company took legal action in 2013 for the amount of XXXX plus legal fees. Has called my home and workplace repeatedly after being asked to cease and desist.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
NOTICE OF DISPUTE I've tried several times to settle this with EXPERIAN. EXPERIAN has done nothing except stall. They earlier said that the accounts had been validated. I am requesting once more that EXPERIAN supply me with documents proving that I am LEGALLY OBLIGATED to pay this supposed debt. EXPERIAN has received identity information many times. Please be mindful that this is causing financial difficulty. Failure to reply in a legal and lawful manner will result in additional proceedings. Failure to react within 14calendar days will be taken as your acceptance that this debt is illegitimate. Please validate and give proof that I am " LEGALLY OBLIGATED '' to pay these supposed obligations. " HAVE BEEN VERIFIED '' is a straightforward response Respectfully delete the following immediately : 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 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 2018-03-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told the company to stop calling me & not to call me at work. They repeatedly call my cell phone and have called my work on several occasions. Some of the medical bills in question are over 10 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that Jefferson Capital Systems , LLC was the debtor and the debt description was XXXX for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023 USAA FSB sent me a message that they were sharing my info with XXXX XXXX and to check my profile. I couldn't't find anything on my profile about the sharing with XXXX  so I called USAA. After being put on hold, transferring me to a few people, disconnecting me, I called back and was not able to get any answers. I asked to speak to a supervisor but none was available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: LA
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 sent a dispute notice to Equifax concerned about the violation of inaccurate information on my consumer report. 
15 USC 1681s-2,15 USC 1681a 2 ( A ) ( i ), ( A ) subject to section 1681s-3,15 USC 1681 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Chargeoff According to 15usc 1681s-2 -- - Prohibits furnishers of information to report anything that they know is inaccurate or have reason to believe is inaccurate how can I not dictate what gets reported. 
Account name XXXX XXXX XXXX  Account number XXXX Account Name XXXXXXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On the XXXX of XXXX I recieved communication that I was being sued, by XXXX XXXX and yes I have done business with them years ago, but now they are suing me without ever informing me a debt nor giving me any opportunity to even know if this is my debt I asked for prove like a Dunning Letter or something to say I had an option to dispute this debt and they have not did that, I just received A response from the lawyer office the week of the XX/XX/XXXX, with still no prove nor did they answer my questions, they sent the same thing that they filed the lawsuit with! I am just mailing a certified letter on XX/XX/XXXX to again ask for proper documentation on this claim and I also having to appear in court on XXXX the XXXX to appear in front of a judge and this is an illegal process and these ppl want send me any prove that shows this is me or any letters sent to me prior to this court case. This should be dismissed and this ppl should be paying me and not to mention a 3rd party has information about me for which I didnt give permission to do so, they are illegal suing me. Also, attached below is the only information given that they were able to file a lawsuit on! That should not be! Also, all information redacted account numbers, pricing, etc. and XXXX was not contacted because they never contacted me and everything is going through Scott and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: OK
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 Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX with Account name : XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Select Portfolio Servicing ( SPs ) last week by email requesting for a hardship forbearance due to the coronavirus. I am a XXXX. I have lost all my clients due to the pandemic and have no means of making any payments. 
I have been informed by SPS that they will foreclose on my house. They are insisting on my having a short sale or giving them the deed to my house. 
Congress gave $ 50b to corporations which SPS will get a substantial share of. 
My clients have lost their jobs, I have no source of income other than the stimulus that will coming from the government in the next one month. Right now, I am barely managing to survive with my XXXX children. 
This issue is nationwide and not peculiar to me. people are trying to make ends meet. There is no demand for XXXX  now. All the XXXX are closed. 
I want a hardship deferral to secure the house for my XXXX children and I. we want to keep our home and need SPS to work with us. 
In SPS 's response to my earlier complaint, they stated incredibly that they did not know where I lived. they claimed that they did not have any address for me. 
They know my address and know that I live in the home that I am trying to save. This shows their lack of good faith for them to tell outright lies about not knowing where I live or the address to contact me. I have had numerous written and verbal correspondence with them and they know that my address is the home that I am trying to save.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Previously, I filed a complaint XXXX against J P Morgan Chase for their improper entrance and stealing monies from my personal account. In their response to my CFPB complaint, they in turn wrote AND included a response letter to our Bankruptcy Attorney ( XXXX XXXX XXXX ). The XXXX XXXX XXXX, does NOT represent us in our Consumer Financial Protection Bureau filed complaint. J P Morgan Chase, violated my right to privacy by including response letter 's to an attorney that doesn't represent me in my filed complaint. Nor did we include the XXXX XXXX XXXX in our complaint as our representative ( s ). J P Morgan Chase, have violated our privacy rights by including the XXXX XXXX XXXX in our filed CFPB complaints. Moreover, in retaliation, J P Morgan Chase have began to continue their harassment by accumulating monies deposited into my account. Further, J P Morgan Chase in their response letter addressed to the XXXX XXXX dated XX/XX/2018 is full of lies. J P Morgan Chase, began stealing monies from my account beginning with {$2.00} that they have yet to return to my personal account. J P Morgan Chase, began stealing monies from my personal checking account in an attempt to collect monies from another customer. As of today, J P Morgan Chase have continued to DISCRIMINATE and HARASS me via my personal account by accumulating monies deposited to cover previously written checks and personal insurance premiums. This is formally called REPRISAL/RETALIATION for my previously filed CFPB complaints. ALL SUPPORTIVE EVIDENCE WILL BE SENT VIA FAX AND IS STRICTLY FOR THE USE OF THE CFPB NOT THE XXXX XXXX XXXX AND ANY OTHER ENTITY THAT CHASE DECIDES TO SEND THEIR RESPONSE LETTER 'S TO. THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-04-23
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
This account been affecting me life to do better with me credit I s been five years I have try some many times and the dont do anything compay Mid alantic management. Amount XXXX this is been a issue that doesnt let me move forward on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've filed 2 online request and one verbal request, by phone, to have Loancare issue payout balance. I am in the process of refinancing my mortgage with XXXX XXXX. Loancare refuses to issue my payoff balance. My 1st request was on XX/XX/XXXX and again on XX/XX/XXXX and on the phone a 3rd time on XX/XX/2020. I have a screen shot ( attached ) of my request on XX/XX/XXXX. I also have the employee 's ID number XXXX. He is the person I spoke to on XX/XX/XXXX. 

Company is Loancare , LLC phone is XXXX website is https : //www.loancareservicing.com/company/contact-us/

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 2022-04-13
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We purchased and had solar system installed by XXXX. They did not complete the setup since back in XX/XX/2019. We have a loan with loanpal for the solar system. Loanpal and XXXX and I, made a 25 year agreement. The purchase agreement from loanpal says XXXX  have 5 days to finish the completion of the start date. They have breached their contract and we can't seem to receive help from neither XXXX  or loanpal. We are asking to look into these companies, not only for XXXX and XXXX XXXX of XXXX, Fl but shut them down for all the other people that have the same dilemma. Thank you and hope to see a change.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Star Loans of Texas, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
For the last 3 months I have called to make my payments on the last day of the month during posted business hours. First when I call, I am told their system is down. After I persist, I have been told their system is closed and payments wouldnt be posted until the next day. I have countered with the fact that I am making this payment during their posted business hours. I was told that they can close out their day prior to close of business. I explained that was not legal or correct. Their response has been it wont be posted until the next day. 

I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00}. I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00} I would like to know why am I being told my payments would be posted on another day when the payments have been made during posted business hours. 

I now show a delinquent mark on my credit report for the XXXX payment. This is unacceptable.

Company response to consumer: Closed with explanation