BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has the wrong DOB listed on my credit report, along with incorrect names, addresses, telephone numbers and SSN. I have called and disputed 3 times since it will not allow me to dispute on line and my file is still incorrect.

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 2018-11-21
Company: CITIBANK, N.A.
State: MN
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:
I have spoken with Best Buy Credit Card department several times regarding unauthorized charges on my account. I disputed it and send them back the sign documents and the charges have now been put back on the account with late fees and interest fees. Also the $ 800+ interest charge I was hit by because of this unauthorized has still not been removed. Best Buy is unlawfully charging me interest charge and fees as well for no reason.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I recently returned a leased XXXX XXXX XXXX vehicle that I had financed through Chase Auto Finance. Although I am covered for 'excess wear and tear '' up to {$1000.00}, the inspection they performed claims I owe them {$1100.00} for excess wear and tear above the allowed amount. The vehicle, in reality, was in fine shape, was returned with almost 10K fewer miles than the contract allowed ( hence, more valuable for them ) and was quickly resold. Itemized charges include " Carpet Dirty = {$65.00} '', " Front Seat Dirty = {$65.00} '', " Back Seat Dirty = {$65.00} '' and many > {$100.00} charges for small scratches. There were some small scratches on the vehicle - I live in a city - but nothing a normal human would consider " excessive '' .The only legit " excessive wear and tear '' charges are for a dent on the front bumper, and a scratch on the back bumper, which should cost less than the allowed $ XXXX ( {$660.00}, according to their estimate ). This is attempted extortion, and I will refuse to be ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX  XXXX. XXXX was the lender for a property at XXXX XXXX XXXX, XXXX, XXXX that was FHA financed. The closing was in XXXX, 2016. It was sold under the XXXX ( XXXX XXXX XXXX XXXX XXXX ) aka 24 CFR 291.545 ( c ). which gives the selling broker the right to collect their commission from the purchaser. This was in accordance with HUD 9548 contract between the buyer and HUD which showed no real estate commission was to be paid by HUD. A written agreement was entered into between myself and the purchaser for the payment to me of a {$10000.00}. commission. XXXX XXXX received a copy of this agreement prior to the closing. However, they also received a commission bill from a HUD listing broker*. ( who would later admit in writing ) that they performed no selling services in the transaction. Annie Mac prepared the RESPA DOCUMENT that the Title Company subsequently used to make the commission payment to be made as shown in the RESPA statement on lines 700-703. This showed the HUD broker was to collect 1/2 of the {$10000.00} commission - {$5400.00}. 
( CFPB should also be interested in this complaint because the commission was paid for by the purchaser to the other broker with HUD mortgage proceeds. ) *HUD listing brokers only receive commissions when HUD specifies this in their 9548 contracts with purchasers. The HUD 9548 HUD approved did not have a commission stated because the sale was a GNND Sale. HUD sells these properties at 1/2 price as part of a " XXXX XXXX XXXX '' to teachers, police officers, teachers, and EMT 's. They did not qualify as a " third party beneficiary '' in this sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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:
Student loan reprting is deceptive and destructive in the way they report to the credit bureaus. This appears to be a common problem that I am surprised hasn't been addressed. I took out 4 parent plus loans which have all been in deferment until recently. The problem is on all 4 loans they show a high credit of only the original loan amount. Interest accrues and the amount I owe is correct on the report however with the high credit only being the actual amount of the original loan amount on the credit report takes away available credit and show the loans are collectively negative by about 130 % of the original amount. This is destroying credit reports from all students. Once the loans go into repayment then the loan is set and should reflect the original loan amount plus interest as a high credit because it is. That should be your high credit because that is actual. This is deceptive practices. I have sent certified letter to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and they are standing by their reporting. Also sent certified letters to the credit reporting agencies. I have all the documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car loan with XXXX XXXX that was paid off in XX/XX/2011. They are still calling me from XXXX. I spoke with a rep and ( supposedly ) a supervisor on 3 different occasions and they said they would remove my number. I had them send me a paid in full statement but they still continue to call me. It has become harassing!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
Once again Experian is violating the FCRA and my rights. I sent in a method of verification request for a Chapter XXXX bankruptcy and Chapter XXXX bankruptcy that says filed in 2017. Experian sent me multiple letters that it was verified by the courts. I have a letter from the court stating they do not provide that info to credit bureaus and I sent it in. I just got an alert that those accounts remains because they have been verified. Really, I sent in the paperwork. I called on Wednesday and spoke with a young man after calling 5 numbers. He now stated well maybe we verified it through a third party. Once again really you all said through the courts. So now it is ok to lie and switch up incorrect answers. This is illegal and a totally violation. They are suppose to delete those off my 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 explanation
Consumer complaint received 2020-08-23
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
AMERICAN EXPRESS SERVE IS INDEED XXXX. I  WISH I COULD HAVE MORE PROOF. NO WAY A COMPANY CAN SURVIVE PROVIDING BENEFITS FOR THE PEOPLE OF TEXAS, ONLY TO XXXX   IT AND NOT COME THROUGH WITH THEIR PROMISES. 

I CLOSED THIS ACCOUNT ON A THURSDAY, AFTER AMERICAN EXPRESS FAILED TO PREVENT AN ACCOUNT HACK FOR XXXX. AFTER THAT FAILURE, ONE OF MANY OVER THE COURSE OF 2 YEARS, I CLOSED THE ACCOUNT. 

IT TOOK THEM 4 DAYS TO PROCESS IT. THEY REFUSED TO EXPRESS MAIL IT. I ALREADY HAVE TO WAIT 7-10 DAYS, ASSUMING THE POST OFFICE STILL EXISTS THEN. 

HOW CAN IT TAKE ALMOST 6 WEEKS TO GET SOMEONE THEY'RE MONEY BACK? MAKE IT MAKE SENSE. IF I EVER SEE THE PEOPLE RUNNING THIS BANK, IM XXXX ALL THEY XXXX. XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2020-07-01
Company: DISCOVER BANK
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:
Per court order my ex husband is sole owner of account and I was to be removed. I went to XXXX XXXX and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower continued to make payments, including XX/XX/XXXX and XX/XX/XXXX, however the mortgage company stated that payments were never received. Borrower called regarding the money orders and received proof that money orders were cashed by lender. The borrower did not want to pay additional payments as borrower believed payments were current. Loan is now in foreclosure. Borrower sent out a QWR letter XX/XX/XXXX requesting for payment history to determine or prove that payments were received. Lender never responded to QWR letter as of today. Lender 's counsel was asked the status of the response of QWR letter at the last conciliation conference on XX/XX/XXXX but lender 's counsel had no knowledge. Housing counselor submitted a copy of QWR letter along with receipt of certified mail to lender 's counsel on XX/XX/XXXX. Lender has neglected to send any proof of payment history to reflect that XX/XX/XXXX and payments after were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BOEING EMPLOYEES CREDIT UNION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Almost XXXX dollars taken out of account. Dates all the way back to XXXX in unauthorized transactions. I submitted my fraud paperwork and my back told me that the charges were authorized and that there was nothing they could do. 

BECU Is the bank. Now I have nothing and all my hard earned money is gone. 

XXXX XXXX is the company that the withdrawals were coming from and because they are a financial organization? becu says they cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempted to send a debt validation letter with information thats reported on my credit report and letter was returned ANK ( attempted not known )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: DISCOVER BANK
State: AZ
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:
XX/XX/XXXX I opened a secured card with Discover Card Services by depositing {$200.00} with Discover. During XXXX   XX/XX/XXXX or XXXX XX/XX/XXXXI contacted Discover and asked when would the security deposit be returned, because I wanted to increase my limit which would require additional funds deposited with Discover. I was told my account history would be reviewed after 7 billing cycles after which, my account would be converted to a regular card and my security deposit would be returned 10 days later. 
In addition, I would not be allowed to deposit addition funds to increase my limit because my account would no longer be a secured card account. At that point I decided to increase my limit by depositing the remaining funds to increase my limit to the {$2500.00} maximum. In XX/XX/XXXX, I had not received my security deposit which should have been returned over 30 days prior. I contacted Discover and was told that a review was done and my card was not converted and would be reviewed every month until it is. I was also told that I had a 30 day late on my account which was the reason the account was not converted. I had never had a 30 day late. 

I contacted Discover today after nearly a year ; and I was told that my account has not converted over as of yet and it would continued to be reviewed. At this point I feel Discover baited  me into depositing funds into a security account and being given a time frame to return those funds ; now that time frame is to the discretion of Discover and no one can tell me when that will be. So instead of actually utilizing my funds as collateral for a predetermined time frame, 6 months, which is reasonable, I am being forced to essentially pay Discover monthly interest for borrowing my own funds, which they have control over..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
I have opened a BOA Cash Rewards Visa Signature Card on XX/XX/XXXX with promotion of " spending XXXX then get XXXX credits ''. 
But after finishing the consumption, I did not receive it. 

# XX/XX/XXXX # I emailed the problem to my banker and get a reply of " rewards will come in 90 days since account opened '' # XX/XX/XXXX? # I called them because I did not receive anything. It seems they mistook the money I paid for my bill as a reward. After the explanation, they agreed, established a case for me, and said they will add the rewards soon. 
# XX/XX/XXXX # A letter came and told me again that they have added {$200.00} to my 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 monetary relief
Consumer complaint received 2020-10-15
Company: KEYCORP
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I receive UI benefits from New York. My exsiting card was closed because Key banks fraud department said there would be a new one issued. This has been on going since XX/XX/2020, today is XX/XX/2020 and I have yet to receive a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already 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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.

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 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A MERCHANT IN THE INTERNET ADVERTISED A BEAUTY PRODUCT FOR FEMALES THAT WHEN APPLIED TO THE FACE WOULD HELP THE APPEARANCE BY REMOVE OLD AGE SPOTS, ETC. THEY WOULD SEND SAMPLES OF THE CLEANING CREAM AND A " MOISTER TO APPLY BEFORE THE MAKEUP. WE ONLY HAD TO PAY THE SHIPPING CHARGE OF {$4.00}. WE ORDERED THE SAMPLES AND WE CHARGED OUR BANK OF AMERICA CREDIT # XXXX XXXX XXXX XXXX. WE RECEIVED THE ITEMS WITH OUT ANY CORRESPONDENCE OF ANYTHING. THE WRITING ON TH ITEMS COULD NOT BE READ WITHOUT THE XXXX XXXX TELESCOPE. WHEN WE RECEIVED OUR CREDIT CARD STATEMENT WE WERE CHARGED $ XXXX ADDITIONAL FOR THE SHIPPING AND WE RECEIVED TW0 CHARGES OF ABOUT {$98.00} FOR EACH ITEMS. WE CALLED THE MERCHANTS AND THEY TOLD US THAT WE HAD TO RETURN THE ITEMS WITHIN 14 DAYS IF WE WERE NOT SATISFIED OR WE THEY HAD THE RIGHT TO CHARGE US THE COST OF THE ITEMS. WE TOLD THEM WE PURCHASED " SAMPLES '' ONLY. THEY TOLD US THAT WAS THEIR POLICY PERIOD. WE CALLED THE BANK OF AMERICA CUSTOMER SERVICE AND THEY TOLD US WE HAD TO PAY THE AMOUNTS PERIOD. WE WROTE MANY LETTERS TO THE BANK AND EXPLAINED THAT WE PURCHASED " SAMPLES. 

WE TOLD THEM THAT THIS WAS A SCAM AND WE WERE NOT GOING TO {$200.00} FOR SAMPLES AND WE RETURNED THEIR CREDIT CARD. 

THEY HAVE CONTINUED TO CHARGE US LATE FEES AND INTEREST WHICH TODAY TOTALS {$440.00}. WE BELIEVE THIS IS A SCAM AND BANK OF AMERICA IS A CO-DEFENDANT OF THIS SCAM. IN MY XXXX YEARS I HAVE NEVER HEARD, EXPERIENCED, OR READ WHERE YOU BUY A SAMPLE AND LATER YOU ARE CHARGED THE PRICE OF A NON SAMPLE.

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 2020-06-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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've contact Infiniti FIN SVCS several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.

Company response to consumer: Closed with explanation