BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: MOHELA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. MOHELA/XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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. 

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with Mohela Pathway.

I never opened an " Education '' account after the year of XXXX. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, is the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). 

I, the consumer, am contacting the CFPB about an alleged debt from Enhanced Recovery Company. On XX/XX/XXXX, I received copies of my consumer reports from the three major reporting agencies to find that Enhanced Recovery Company reported the alleged debt to the consumer agencies without providing proper notice pursuant to 15 U.S. Code 6802 ( a ). The debt collector also violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) ( C ) of the Gramm Leach Bliley Act by not giving I, the consumer, the option to opt out of disclosures to third parties. 

I sent a validation letter to the ERC and I asked for the company to provide documentary evidence and a contract to provide that I owe the alleged debt. The debt collector failed to supply the evidence. On XX/XX/2021, I produced a cease and desist pursuant to 15 U.S. Code 1692c ( c ). I am currently awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX. 

Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # 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 2021-12-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received the below email from Chase. I did not know what ACH Collections service was and had not made any changes to my profile recently. At fist, I thought this may be a phishing email, but decided to call the number in the email to inquire. The call was made to XXXX on XX/XX/XXXX at XXXXXXXX XXXX MST. I spoke with a representative who ended up transferring me to a Chase Business Banking service representative. 

The representative confirmed the email was legitimate. I inquired what the service was for and she explained it was to receive ACH deposits. I asked when and how the service was initiated. She said that the account was automatically enrolled in the service and that it had a $ XXXX  monthly fee. I replied, what if I didn't call about the email would I have been charged {$25.00} per month. She replied yes, but we would have refunded it if you called to let us know that you didn't need it. Wait ... What? I would have had to call to dispute the fee for service that I never signed up for. 

This is BAD! How can Chase enroll an account in a {$300.00} annual service AUTOMATICALLY? Is this considered an unauthorized transaction? How many Chase accounts are unknowingly being charged this fee? I immediately thought of the fraud that occurred at XXXX XXXX. 

From : Chase XXXX Date : XX/XX/XXXX at XXXX XXXX MST To : MY Email Subject : Important Business Banking Alert Reply-To : XXXX Dear Customer, At Chase, we're committed to providing the tools you need to help you monitor your account ( s ). Below is a list of the latest transactions for the accounts in your profile : *Online ACH Collections service has been activated for your profile on XX/XX/XXXX. 

If you have questions about the transaction ( s ) or this alert, please call XXXX ( XXXX ). Our customer service representatives are available from XXXX XXXX to XXXX  Eastern time, seven days a week. 

Please do not reply to this automatic alert. Instead, you can sign in to www.Chase.com/businessbanking to send us a secure message. 

We appreciate your business. 

Sincerely, Online Business Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Checking account # XXXX had 4 fraudulent checks : 1. My bank signature were not included. 
2. None of my banking business information was included on the checks. 
3. My secured water make symbol was not includes on the checks. 
4. My sequence check numbers were in the XXXX. 
5. The fraudelent check numbers were in the XXXX. 
6. The bank notified my in writer that the problem was taking care of and my account was credit. 
6. The bank could stop payment on two check in the XXXX but let two check to through. 
7. The problem is the bank will not credit my account for the two check they let go through.

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 2023-10-25
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Unisa, Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company XXXXthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX  Account Number 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was closing the sale of my home and requested a loan payoff from Carrington Mortgage Services. Upon receiving a copy of the payoff I noticed a discrepancy on the amount of a FHA loan modification payoff from the amount listed on the original paperwork from FHA. Carrington Mortgage Services listed the amount as {$4400.00} and not {$3500.00} as stated on the FHA paperwork. I sent a letter to Carrington 's research department on 3 occasions XXXX, XXXX, XXXX asking for documentation to provide proof of the difference. I also included the original paperwork from FHA to show the difference. All 3 occasions I was sent the payoff request and no documentation showing where the difference came from. I started placing calls to Carrington in XXXX asking to speak to a Supervisor or Manager they stated I could not be transferred to a Supervisor or Manger. I then called again 2 days later finally getting a Supervisor who stated they would call me 3 days later, they never called. I called back on XX/XX/2020 and was told that paperwork was sent out with the documents I requested I waited but never received such documents. I called back 3 days and was told again I would not be able to speak to a Supervisor or Manager. I received another letter in XXXX stating they were still researching. On XX/XX/2020 I again placed another call to Carrington not being able to get a Supervisor or Manager but was told I would have to write another letter to the research department. I have requested numerous times documentation of the difference because they have been able to procure any documentation on the higher amount I am requesting a refund of {$890.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Goldman Sachs charges double interest : interest for the month in which a late payment was made, and interest on the total balance of the next month, even if the balance of the previous month was only paid one day late and the entire balance of the second month was paid in advance. This method of charging interest is unlike any other major credit card issuer, is surprising, not disclosed to consumers until after it happens, and deceptive. 

Further, the bank does not mention that the second interest payment can be avoided by not using the credit card in the month following the late payment ( I think that would avoid the interest ). Instead, Apple simply says you have to pay the interest for the second month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: First Technology Federal Credit Union
State: WA
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 have taken auto-loan from firsttech credit union in XX/XX/XXXX. I had auto-pay set to my Auto-loan account since XX/XX/XXXX. While auto-pay worked for a year, it failed for the month of XXXX XXXX. The reason being my first tech savings account ran out of money. I was not notified by the firsttech for any auto transfer failure or payment missed in my loan account for 3 months. After 3 months i learned about this when my credit score dropped by XXXX pts and then mail came from firsttech at the same time that i have been missing payment from 3 months. I emailed to Firsttech on XX/XX/XXXX that i had not received any communication about missed payment or late fee until 3 months. At the same time I pre-payed my auto-loan to reduce the balance loan as well as paid the account balance to make it current. On XX/XX/XXXX the auto-pay also started going to the loan account for remaining balance. The auto loan account status was current by XXXX XXXX. 
In response to my complaint Firsttech sent email on XX/XX/XXXX that they filed a dispute and i should get report in 30 days. I later got a letter that they can not revert the late payment from my account. On XXXX despite the loan account being current my credit score dropped again by XXXX in XXXX report stating Auto-loan account is 30 day late and Auto-loan balance increased despite of me pre-paying the principal. I contacted Firsttech by phone to report the same to which they told i should contact the credit union. I filed dispute to XXXX via XXXX XXXX account as well. I don't know which institution XXXX or Firsttech are wrong but despite my compliant to firsttech and dispute via XXXX XXXX wrong reporting is done. Both XXXX and Firsttech should be in sync about the current state of my auto-loan 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 2019-03-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCO has been trying to collect money from me for an apartment that moved out of and paid in full back in XX/XX/XXXX. I gave the leasing office a 60 day notice as I had gotten a new job to relocate out of state. I told The XXXX XXXX  XXXX prior to signing my lease that I would probably be moving due to my job and they said it would not be a problem as long as I give them a 60 day notice, which I did. I was told when I moved out XX/XX/XXXX and gave them the keys that I did not owe anything because I gave them the 60 day written notice. At that time I moved from XXXX Florida to XXXX XXXX and they said I was good to move with no more financial obligation. I began seeing Fair Collections and Outsourcing on my credit report late XX/XX/XXXX and immediately I started disputing with the credit bureaus. I've been disputing with the credit bureaus every since. They claim I owe a balance of {$2900.00} and that is not the case. After dispute after dispute, in XX/XX/XXXX I finally saw that XXXX had removed it from my report but the other reports still shows the collections so I contacted the collection company directly. They were extremely rude and threatening to sue me. Just to be done with them I sent a pay to delete letter, just to get them off my report so that I can find a decent place to live. I called back a few weeks after I sent the letter and was told they were willing to settle for {$700.00}, please keep in mind I never owed anything per the apartment complex. When I tried to contact the apartment complex they say contact the credit bureau, the credit bureau say contact the collection agency, it's a vicious cycle. Anyway, I agreed to settle for the {$700.00} and they said they would be emailing me a confirmation of that pay to delete settlement amount, 3 weeks  later, no letter and now when I call I get someone different everytime who claims to know nothing about the agreement and demands me to pay the XXXX in full. This has gone on long enough, I want my account deleted because I don't owe the debt they are claiming. I was merely trying to settle to finally get a decent place for me and my kids to live. 
This company continues to harass me even though I've tried to work with them, now they are threatening to sue. This is beyond ridiculous. This is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.

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