BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: Google Compare Credit Cards Inc.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 I started a free trial with XXXX The free trial was for XXXX weeks. I had problems logging into my account to get XXXX XXXX to work. It would not. I called XXXX on XX/XX/21 for help. The phone number ( XXXX XXXX XXXX ). We went through several steps and finally got it to work. I attempted to setup a second device, that would not work. After several attempts I stopped. I made several calls to XXXX from XX/XX/21 to XX/XX/21. During that XXXXime span XXXX XXXX stopped on the first device. When an agent answered he wanted to sell some other products. My answer to him was all I wanted was to make the device work.He kept trying to sell other products. After much frustration, I told him to cancel the subscription. He did on the evening of XX/XX/21. The trial was to end on XX/XX/21. 
My credit card was bill for {$54.00} for XXXX and XXXX. The service had been cancelled before the trial period ended. XXXX never sent any confirmation of cancellation or any e-mails. XXXX finally sent an e-mail on XX/XX/21 to complete your XXXX XXXX XXXX  purchase. There was nothing for me to complete since the service was terminated XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: EGL US, LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
About a week ago, I was eligible to refinance my loan, I had additional questions for the manager of the lending company underwriting staff contacted me and told me that she would have the manager to call me when he gets in. The manager never contacted me to date. 

When a representative contacts me from BMG Money, it is never the manager. It is always someone from the underwriting department. 
Also, the company failed to communicate clearly new policy changes as it relates to the net pay amount in order to be eligible for refinance. 
Each time that I am eligible for a refinance, it appears to be a change in policy. This has happened twice, always during refinance, or coupled with their multiple attempts to deter me from speaking to the manager of the company. When I do receive a phone call, it is at closing and never the manager. 

The last four months it has been very difficult making contact with the company and manager regarding serious concerns or matters pertaining to my loan. 

My most serious concern is that I never know that there is a change in policy until it is time for me to refinance. That is a red flag.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan from XXXX XXXX  XXXX was sold to SLS Mortgage back on XX/XX/2019 and my payment was schedule to start with SLS in XX/XX/2019. As I normally do as a responsible individual I continue making my mortagage payment now to the new company SLS and after 3 month that I have been dealing with them, they claim that I never did my XXXX payment in which XXXX  XXXX XXXX and myself have send several proof that I did my payment in XX/XX/XXXX but to XXXX XXXXXXXX XXXX not SLS because at that time XXXX  XXXX XXXX was servicing my loan. In addition to provide the information, I have been in contact with them several times during this past 3 month because I want to get this fix and all SLS have been harassing calling me every day, sending me letters that they are going to foreclose my house, and telling me that they are going to mess my credit. At this point Im not sure what else I can do because even when I have try dealing with someone directly at SLS to get this resolved, they keep passing me from person to person without any solution but they keep adding fees after fees because they want to collect again on something that I already paid. Besides all this I have proof from both institutions that my payment schedule for XX/XX/2019 has to be made to SLS and moving forward with them and I have done so. Please I need to get this resolved because this company is trying to take advantage of me when I have done my part. Also, I know that Im not the only customer that is going through this with them and they dont care to assist in any way.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This XXXX XXXX and I am working on my OWN credit to fix the current issues I am having with you. Please process my request and do not use any stall tactics as I am using CFPB to track your blatant refusal to assist me. I do plan on suing if I need to. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

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 explanation
Consumer complaint received 2020-01-09
Company: JPMORGAN CHASE & CO.
State: MD
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:
A company names XXXX XXXXl, XXXX held a seminar for a " Timeshare '' relief on XX/XX/2019. the company applied for a credit card ( Chase Freedom ) in my name having me to sign a small piece of paper with there XXXX   XXXX XXXX name on it. I thought I was paying for services, but I never received them. 

I tried on numerous occasions to contact the company by phone ( incorrect numbers ), by certified mail ( no response ), and by email ( no response ). 
I contacted the Attorney General 's office about this company. I found out that the company was a scam ( judgment placed against the company by the attorney. ( Case NO XXXX ) I contacted the credit card to explain that the credit card is part of the judgment and fraud by the company XXXX XXXX, XXXX. They are refusing to let me out of this bill. 

They stated that since I began paying on this bill, I am responsible. I paid on the bill to protect my credit and until I was able to get all the information needed to help my situation. 

I need someone to assist me in cancelling this card and balance in my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention While Reviewing my Transunion Credit Report. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Transunion, one of the Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2022-01-29
Company: Global Asset Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Global Asset Agency added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
last year i started disputing a late payment with Bank Of America because i've never been late, so they closed my account since then and i have tried to correct the matter with them, they have send my account to a collection agency, the collection agency couldn't verify it, now its with a law firm and the law firm is not verifying anything. All i wanted was for the late payments to be remove.I feel like i'm being Harass Time after time dealing with this issue.I even have a letter from 2018 trying to get this verified

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 2021-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account is Chase Bank my checking account number is XXXX. Bank routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Name of the bank is Chase Bank located in XXXX XXXX XXXXXXXX. I am dear client my name XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
deleting on the bank is retaliating on me for taking out for reporting them for taking money out of my account they have withdrawed over {$450.00} out of my account I did a withdrawal eight times from my bank account which should have left a balance of XXXX into the checking account but when I look XXXX dollars the bank of no intention to return back the money. As well as their retaliating on me for reporting them for taking money from out of my account they have consecutively look to steal money from my account with no disregards for their fiduciary duties and no disregards for coming ethics as well as disregarding the FDIC knowing that they can have financial discipline action taken against them for looking to steal money from out of client 's phone but actually accessing my personal bank account and withdrawing money not fees but actually withdrawing {$450.00} out of my account is a blatant robbery slapping me in the face to show me that they are a bank and they have no regards in regards to any guidelines or any discipline actions that can be taken by the FDIC against them for looking to go against their fiduciary duties and to commit fraud against their client and to show me that they while I'm out of the country can arrest and stress and also try to make my life in a more economic hardship way given the fact I'm out of the country during the time of Corona and have no way to go to them and speak with them they are taking multiple levels of advantage as well as constantly stealing money from the account. So I'm making this complaint because if they touch my money with a one or 10 time I will discipline them one or 10 time until they get it that day are supposed to do their duties and do their fiduciary job and not steal from their clients. 10 times I did withdrawal from my account so I was able to notice that the bank was taking money from the accounts. All of this toke place in this month of XXXX from the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, two amounts of XXXX $ and XXXX $ were withdrawn from my Well Fargo saving account for a person who as not registered in my XXXX contacts. That same day I filled a claim with the Wells Fargo Bank Claim # XXXX. Claim # XXXX. Also, I never made XXXX from my savings account. Additionally, the Bank never sent me any type of message to notify me about the transaction. 
I have been a victim of fraud and Today XX/XX/2022 the Bank tell me that they will not return my money.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on XXXX ( XXXX unauthorized inquiries ), Experian ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 written and called Capital One about my Spark business credit card ending in XXXX to ask for forbearance or hardship relief. My interest rate is at 30 % and I cant afford the payments. Each time I have written or called about Covid relief I get a run around and referred to another department with no real help. I have presented a budget sheet prepared by one of the leading Consumer credit counseling programs ( XXXX XXXX ) that shows that they could not offer me a plan that would fit into their five year program. I have requested a specific program that drops the interest rate to 0 % and allows me to make debt payments within my limited budget of {$65.00} per month. The Capital One representative claims they dont have an offer for me like that. But they have offered it to other friends who have similar circumstance as I do. Capital one is charging me interested of $ XXXX month on a {$3900.00} balance where I have no chance of paying it down. Please help me and others get out of the debt trap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05
Company: ERC
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:
I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for  each FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: PREFERRED CREDIT INC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I financed a rainbow XXXX  and power nozzle from Preferred Credit LLC. On the bottom of the contract that I signed it clearly stated that I had a 3 day return policy. On XX/XX/XXXX I contacted the seller of the rainbow and told her I wanted to return it, she said she would come pick it up and in the mean time I sent over certified mail of written statement that I was canceling the contract. The rainbow was returned and Im still getting charged for the rainbow although I no longer have it in my possession, they have put a big impact on my credit, Ive called Preferred Credit LLC and they have been no help.

Company response to consumer: Closed with explanation