BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After noticing that I had a debt appear on my credit report from Paragon Revenue Group, located in North Carolina Permit No. XXXX. I reached out and made contact with them via phone inquiring on what the debt was. After speaking with several associates who claimed to work for Paragon Revenue Group. During these phone calls, I was advised by the associates that I owed a debt to XXXX XXXX XXXX XXXX. So I made arrangements to start making payments on the account. At first, I was making payments from my bank account, I paid a little over {$400.00} from my bank account before my husband paid the remaining balance on his credit card. Once my husband was informed by me that this was on my credit report we made arrangements to pay the bill off in its entirety in the sum of {$760.00}. After requesting several times that the company send a statement that the bill was paid in full. Paragon associate XXXX advised me on XX/XX/2022 that he was going to put it in the mail for me and a month before that I was advised the same thing. On XX/XX/2022 I spoke with Supervisor XXXX XXXX with Paragon Revenue Group and she advised that XXXX did not send it via mail because I was claiming that I did not receive it the last time in the mail. Now they're claiming that they said they sent it via email. After I never received it this prompted me to call XXXX XXXX XXXX XXXX to speak with their billing department. I spoke with the billing department and was advised that my bill had been written off as charity and Paragon was not supposed to be collecting on that bill anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a past due amount of XXXX owed to XXXX XXXX when I switched to a different carrier. XXXX XXXX shared my information to a debt collection agency ( Amsher collection services ) without my written consent or knowledge. This is aggravated identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 : I noticed a total of {$4800.00} in fraudulent charges taken from my bank account from Chase. I contacted Chase within a few hours to lock down my account and report the charges as fraudulent. 

XX/XX/2023 : Chase provided a temporary credit towards my account while they investigated the matter. 

XX/XX/2023 : I received the following statement from Chase : We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$4800.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). 

XX/XX/2023 : I called Chase and spoke with an agent and asked them for verification. I was told that my account was less than 6 months old and therefore my claim was denied. My account has been open with Chase for over 10 years. 

I'm at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is playing games and giving me the run around Experian updates my credit file each month now they want to play games but send me this incomplete credit file. 

Report all made up address and so forth. 

I have also filed with the US Attorney and DOJ to the credit abuse practice and false address and phone numbers and information created by Experian as false info. 

This needs to stop due to its incomplete and false information.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second complaint Ive made regarding TransUnion and the XXXX XXXX XXXX ( XXXX ) account # XXXX ( account ). Please reference complaint # XXXX to see the first complaint. 

TransUnion is furnishing a fraudulent account to my consumer report. I have contacted this company on several occasions via phone, certified mail and their website. Like stated above, I have also filed a CFPB complaint against them. See response below. 

After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 

In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-VERIFIED AS REPORTED This response came on XX/XX/2023. It is now XX/XX/2023, XXXX business days later. I have still not received anything. No method of verification, sources theyve interviewed, documents reviewed, nothing. 

The original contract I had with the original creditor was altered without my permission or knowledge. This makes the account fraudulent. Therefore, TransUnion does not have anything that would verify this account. This company is engaging in unfair and unlawful business practices and needs to be reprimanded.

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 2023-11-20
Company: Experian Information Solutions Inc.
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 XXXX 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 602 A : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-03-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 I spoke with XXXX XXXX about a vacation package timeshare. At that time I agreed to run my credit to see if I was approved for a funds for a deposit on the vacation package. I wanted to take the entire contract to my room and read it. After doing so, I decided I did not wish to purchase any package or timeshare. I have a signed statement from the merchant stating that the deposits previously discussed on XX/XX/22 would be refunded within 15 days. This was not done. I have disputed the charges with my XXXX XXXX. However the Barclays card which is the line of credit XXXX ran will not allow me to file a dispute. They have been stating their system is down for three days, I received no services. I do not owe them money. I also did not want to open this line of credit. Barclays is not cooperating with me. I have also reached out to my contact at XXXX XXXX with no response.

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 2022-10-27
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:
See letters sent, clear violations of the FCRA, personal information is not up to date and there are inquiries that are not mine

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 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am at my wits end with Bank of America and I need assistance ASAP! 
I filed the following CFPB complaints : 1st Complaint - XXXX 2nd Complaint- XXXX The first complaint was closed and should NOT have as it has not been resolved. 

I initially called BofA on XX/XX/2020. I spoke to a young lady that I felt didn't know what she was doing. When I spoke to her, I told her that there were 26 Charges to Element Colors ( From XXXX XXXX ) that were FRAUD! A total of {$2500.00}. I also informed her that a charge for XXXX for {$2000.00} was also fraud. She advised me that she would report all of the charges and an investigation would be conducted. Fast Forward to today .... I have received credit for the XXXX charge and received a letter dated XX/XX/2020 informing me that the charge has been deemed as fraud. I have also confirmed the XXXX charge has been credited. MY ISSUE now is that the letters I have received mention NOTHING about the 26 Charges to Element ( made in XXXX XXXX ). These ARE NOT my charges and need to be credited ASAP! This is ridiculous! I need for BofA to conduct an investigation and issue a credit for the Element Colors charges ASAP. The letter from BofA dated XX/XX/2020 says there are no other claims, which is INCORRECT! BofA needs to pull the call I made on XX/XX/2020 to confirm this! I talked to the young lady for over an hour and she confirmed she would file a claim for the 26 Element Color charges and the XXXX Charge. I am starting to think that she did not follow through and that is NOT my error! BofA PULL THE CALL and do your JOB and Fix this! 

I also called BofA at XXXX today and waited on hold for an hour and a half, then received a message that the office was closed. I am frustrated because I reported these charges from XXXX XXXX and I am tired of waiting. I need this money! Please have BofA pull my initial call and conduct a proper investigation. This is a Regulatory bank violation and I am about ready to get a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My husband and I are both co-signers for an XXXX  son XXXX XXXX XXXX ( XX/XX/1998 ) on several student loans, ending in XXXX and XXXX, all totaling about {$75000.00}. Early last year, that child got XXXX  and kicked out of college on XXXX  and XXXX  charges on his girlfriend. We then paid his student loans as they came due because he no longer was attending college. 
He is now in XXXX  awaiting trial and sentencing for XXXX, involuntary deviate XXXX XXXX and many other XXXX charges against my XXXX  XXXX  daughter. We contacted Sallie Mae and apprised them of the situation and let them know that paying the $ XXXX on his student loans monthly was not only impossible financially but ethically something that was a betrayal to what is honest and fair, as these crimes were committed in my home a few years before my son left for college.

I asked the process for my husband and myself to be retracted as cosigners for these loans and was told no such thing exists and that we were responsible for the loans and would be taken down the road of collections as long as we continued not to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-03-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
According to an email on XX/XX/2020 XXXX pm and prior to, a note for {$100000.00} for the purchase of a property and a stock power for {>= $1,000,000}, was delivered to TD Bank XXXX PA for deposit but was declined. Trustee was told the complete copy of the trust was needed. It was agreed upon under the conditions that they, TD Bank can produce a policy explaining this, signed and dated. They never provided the policy which is a violation in itself when requested by the entitlement holder. Trustee met all requirements for the establishment of the account. Affidavit of Surety and Certificate of Identity XXXX XXXX, fee schedule and UCC1 was forwarded to XXXX XXXX of TD Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX along with entitlement orders on XX/XX/2020 by registered mail # XXXX as Return Receipt for Merchandise and was received on XX/XX/2020. XXXX was notified with no avail. XXXX XXXX will be included in this complaint. I have been damaged. Trust has been violated per Title 15 USC Section 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have sent to Experian unauthorized inquires which are still reporting on my credit report. I am fully aware that inquires remain on your report for 2 years, the problem is, that I did not authorize and they need to be removed immediately. 

.There are inquires showing on my credit report that I did not authorize. XXXXXXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent over a copy of the police report with the fair credit report of identity theft but they refused to remove the account from my credit report. With not actually hard evidence I want it removed. The document sent over dont mean anything anyone can sign a document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom  It May  Concern, For th e 2nd  year in a row, Nationstar Mortgage has paid for Flood Insurance on a property unnecessarily. T he Flood Insurance  is paid for by my HOA and I have produced the necessary documentation, multiple times, to  Nationstar p roving that the policy was paid. Regardless, they paid for a new policy -- not just once, but, twice -- at the cost of {$430.00} each time!! I was able to get a refund from the insurance company for the  2nd p ayment of {$430.00}, however, they are not willing to refund the first payment. Nor should they have to. The fault for this resides completely w ith Nationstar and they have admitted that I should  be refunded my money and then later refused to do it. At this point, keeping my money is equal to theft. They made the same mistake last year, and after I filed a claim with the BBB, they eventually refunded me my money. How they can make the same mistake again this year and not give me back my money is unbelievable.     *  XXXX / XXXX / XXXX  -- proof of Flood Insurance on the property was provide d to Nationstar ( fa x confirmation is attached to this complaint ) *  XXXX   XXXX  -- the proof of flood insurance was provided again to Nationstar * From  XXXX  &  XXXX  -- MANY MANY conversations with the customer service group, the escrow group, insurance people, etc.   *  XXXX / XXXX / XXXX , a representative began emailing me.   *  XXXX / XXXX / XXXX  -- I was told that a refund ( for {$430.00} ) was being requested and would be paid by  Nationstar to m e.   *  XXXX / XXXX / XXXX  -- I was told the refund was denied. I was told this only after I inquired because I had received, another, erroneous escrow statement and I still had n't seen the promised refund.     I need help forcing this large company to STOP STEALING FROM ME.     I am beyond aggravated and would like to see this company prosecuted for criminal theft.     I appreciate any help you can provide.     Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit transaction, using my credit card to extend myself credit using navy federal credit union, as defined by the truth in lending act pursuant of 15 USC, chapter 41 subchapter 1.

They process the transaction using my credit and denied me the extension of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights. I was like for all the inquiry below to be remove asap. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid Bank of America home loans a fee for a property valuation and would like a copy of the 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 monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America credit card I never received the rewards for the card I had and I was charged a lot of late fee

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