BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
BMO BANK N.A., Account # : XXXX Open Date : XX/XX/2017 Close Date : XXXX closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of 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 2021-01-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I received a XXXX XXXX letter from XXXX XXXX, Senior Vice President, Lakeview Loan Servicing LLC to refinance my current VA mortgage via the VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) program. The offer promised ; ( 1 ) 2.508 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of {$160.00} per month and ( 4 ) no out of pocket cash The offer was good until XX/XX/XXXX at XXXX EST. I called on XX/XX/XXXX and spoke with a loan officer. After setting up an account, multiple phone calls, hours waiting for call backs and several hours providing documentation I was told I could refinance at ; ( 1 ) 2.75 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of only {$50.00} per month and ( 4 ) I would have to bring {$2700.00} to closing Lakeview Loan Servicing LLC has false advertised. I refused to refinance with this company. They were unable to meet any of the four promises they made in the letter.

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 2023-02-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In I believe XXXX of 2022 I purchased a wig from XXXX XXXX XXXX for {$36.00}. I asked for a 20 inch. When I got to my car I noticed it was a 12 inch so I went back in to exchange the wig. The store owner would not exchange or return the wig. There was no reason not to exchange the wig. The would not exchange the wig or return it. I called Chase Bank to ask for a refund or to reverse the charge. They told me they would reverse the charge and told me to return the wig. I returned the wig the next day as Chase Bank told me to do. Chase Bank told me they would issue me a credit. The credit was issued but then Chase Bank decided to pay XXXX XXXX XXXX after all. After they had me to take the merchandise back to the store. So now the merchant has the merchandise and my payment of {$36.00}. Chase is refusing to refund my money back to me or help me recover my merchandise. A fair solution would be for Chase Bank to refund me my {$36.00}. They can listen to the call, their representative told me to return the merchandise. I returned it and then they returned the money. That is unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting a medical alleged debt less than {$500.00} ( XXXX ) on my consumer report. I sent letters telling them to remove those collection on my consumer report but they did not do 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 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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 Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX bank 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 bank, N.A XXXX. XXXX XXXX XXXX 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 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 2021-10-11
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a XXXX  XXXX XXXX and financed through Hyundai Motor Finance to get the {$750.00} credit towards the purchase. I was told i had to make three payments to keep the benefit. I called to confirm before i did a re-finance and they said, two payments and the re-fi payment were sufficient I paid off the loan through a re-finance on XXXX XXXX of XXXX The payment received paid of the balance and more, {$200.00} more. I have been waiting to get my refund check since XXXX of XXXX. I did a initial call on XXXX XXXX to check the status I was told it would be 45 days. I called back on the following dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 times that day ), XXXX XXXX ( twice that day ), XXXX XXXX Each time i called I was told I should have gotten my check already. Sometimes i was told my check " failed '' in processing and needed to be manually done. I was told this was done on multiple occasions and that i would get the check in 7-10 days. So after a week I would call back and be told the same thing. When i asked to speak to a manager i was told i had to physically write a letter to them regarding this issue if i needed to escalate my refund. I am told that the customer service department has no way to talk to their " payment processing '' people all correspondence is done via email. They also do not follow up with the customer, instead they tell me I have to call back to get an update ; when I do call back there is no update and they " send another high priority email. '' It seems unfair and unlawful to continue hold onto the credit from my loan balance. I paid the loan off in full and it has been XXXX months and multiple calls with them and I essentially continue to get the run around. 

Please help.

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 2023-11-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX XXXX  XXXX  and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving lot of spam, silent and harassment calls from AAA Collections. The debt collector is also using false, deceptive, or misleading representation or means in connection with the collection of debt. Its violation of FDCPA Act. I would request the collection agency to stop harassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2023-11-28
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out my account I submitted documents of who I am and still it is locked.talked on the phone with yall yall still aint help I just want my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: TX
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:
Pursuant to 15 USC 6802 - Obligations with respect to disclosures of personal information. I am exercising my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as provided under the Graham-Leach-Bliley Act. I do not wish my nonpublic information shared with nonaffiliated third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CL Holdings LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent previous letters to the collection company asking to send me my original contract and validation of the debt, i sent a letter in XXXX and also XXXX. Jefferson Capital system has no right to report this account and inaccurate information. I demanded for this to removed from my credit report due to the FCRA consumer laws. This company agreed and failed to do so. I do not have a contract with JEFFERSON CAPITAL SYSTEMS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/2023, I noticed that my care credit limit decreased from {$1800.00} to {$270.00}. I contacted Care Credit /Synchrony Bank and was told that I had " Significant negative impacts on my credit reporting, non-timely payments, and too little payments ( not meeting the minimum balance ) '' This scripted response is not only entirely inaccurate, but is apparently being used on customers that even have great to perfect credit. It is also known that Care Credit/ Synchrony Bank will close accounts without informing the customer, causing determent to the persons credit reporting. 
They stated they sent out a letter. That letter was never received. I waited for another one, never received it. I called back to request another letter, and what I received is attached. A non-helpful, non-requested letter stating they do not run credit .... if that is so, then how can they attest to the statement above? 
This company seems to be operating in a scam-like fashion and not fulfilling its duties to inform the customers of changes being made to their accounts and doing so with inaccurate reasoning.

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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is not my home address. Please verify and delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Selip & Stylianou, LLP
State: NY
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:
XXXX and XXXX sued me and submitted a fraudulent affidavit of service. I found ripped, soaked parts of the summons and complaint in a mud puddle outside of my home. I initially thought that is was only litter since it was in a literal mud puddle but then I saw my name on it. They subsequently sent me an affidavit of service as part of the lawsuit that was fraudulent. I was not even in the state on the day that they claimed I was personally served in the lawsuit. They use sewer servers in hopes that defendants will not receive the summons and complaint so that they can just get a default judgement without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: TN
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 am writing to request that you consider removing the late payment from my dillards purchase m from my credit report. While I understand that I was late on my payments, I hope that you can see that I am a responsible borrower who takes my financial obligations seriously. I had end up sick & forgot that i bought the stuff i bought from dillards so i wasnt able to have money coming in to take care of the bill. After i was well I didn't realized the bill until i was reported on my credit report and took my credit score from high XXXX to a low XXXX. The late payment occurred on and XX/XX/ amounts of late payment XXXX, and I take full responsibility for it. In fact, I paid off the bill in full after i realized i was late when it hit my credit report. Im always good at paying payments on time. I have been diligent about making all of my payments on time since then. Having this late payment on my credit report has been a source of stress for me, and it has made it difficult for me to obtain credit when I need it. I am hoping that you can see that I am a responsible borrower who is committed to improving my credit history, and that you will consider removing the late payment from my credit report. 





In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2018-04-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: CA
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:
Timeline of Events. 

1. XX/XX/XXXX : XXXX sent out wrong credit report that effected my credit approval. My score went from XXXX XXXX XXXX  for six months XXXX XXXX XXXX XXXX  ) before being fixed. 

2. XX/XX/XXXX Citibank : I had a {$27000.00} credit limit with Citicards in good standing at a {$0.00} balance. I have never had a late payment or missed payment for any of my credit accounts. Citibank took away over 75 % of my credit line for no reason. They also raised the APR on all three cards ( Dividend, Double Cash, Simplicity ) to almost 29.9 % from 14 %. When I talked to a credit representative they verbally said " My credit was not good and that my income was not enough to have this much of a credit line. '' My credit balances on all my other cards has never changed and I was never delinquent on any bills. After hearing this from Citibank, I demanded a letter in writing stating what they told me and they did in fact send me a letter about this incident. I have the letter in my possession and it states something different than what was verbally told to me. 

3. I have 8 major credit cards ( XXXX, XXXX, XXXX ) with a combined credit line of {$100000.00} with only {$15000.00} balance used at a 15 % utilization. When Citbank took away my credit balance with no notice, it put me over a 20-30 % utilization for all my credit all around. This has caused all other credit cards to stop with APR promo financing, stop giving me a credit balance increase, stop from renting a new apartment, and even stopped me from getting a great rate on a new car. 

4. Citibank has avoided mortgages to minorities in the past, they had a XXXX lawsuit regarding failed oversight on consumer percentage rates, and now we have a proposed class action lawsuit against Citibank and XXXX  families in XXXX. I truly believe Citi either used an algorithm to attack my credit because of the hyphen in my last name ( XXXX ) or Citi reevaluated my account with a bogus credit report from XXXX. They used the bogus report to take away credit and to raise the APR rate. 

5. I truly feel taken advantage of and did not know what to do for the last two years until I saw the lawsuit regarding the algorithm and 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