BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My XXXX mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XXXX of XXXX. That account was taken out in XXXX of XXXX. Starting in XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. XXXX has been no help in resolving the issue. I have called dozens of times and each time they say they will request a payoff letter from XXXX. No one has ever updated me on the issue. No one has helped me get this resolved. I paid to have this company help and it was made worse by their lack of follow through with the creditors that they deal with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 Ally bank closed my account for no reason i have no access to my funds. I was advised that the deciding to close my account due to a dispute for unauthorized charges so there for i believe they are wrong in this matter.

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 2018-02-12
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Numerous old collection accounts on my credit reports.

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 2021-02-03
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I feel that American Credit Acceptance should be investigated the way they are preying on people especially minorities and less fortunate with the high interest rate loans. Something needs to be done about these companies doing this. How can the less fortunate ever win with 25 % interest. This is a set up because they know people will default in these high interest rate loans. They need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Affiliated Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection account on my XXXX  credit report from Affiliated Management Services for the amount of {$2100.00}. This account has been previously disputed with other collection agencies and found to be a result of identity theft. The account is being repeatedly sold to different collection agencies with them having knowledge this account doesnt belong to me. This medical collection is not associated with my identity. I have enclosed an ID Theft Affidavit an police report as supporting documentation. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I sent Loan Depot my Ca.Fair Plan and XXXX home owner insurance polices to be included in my escrow account which they received .At closing I believed this to be included in my monthly mortgage payment of $ XXXX paying mortgage one month I received bill from Ca Fair Plan for {$1700.00} which I had to pay or it would expire, contacted Loan Depot, no response .I am now stuck paying an extra {$140.00} per month because of Loan Depots incompetence. I believed I should be compensated for there mistake. This seems unethical that I should be stuck paying because of there oversite .They had all documents ( I just checked ) and failed to add to escrow account.Yes there service was very poor throughout whole process but my main problem is I'm paying for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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:
my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Gurstel law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from Gurstel Law Firm, I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Capital One credit card balance on XX/XX/XXXX. On XX/XX/XXXX they charged me {$94.00} with a description of finance charge/ interest when I had a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i was not told or updated of investigation results.

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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hi, We ( 3 adults ) were planning to travel to XXXX in XX/XX/XXXX. So, we hired XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. After multiple mishaps ( not due to me ) they booked the ticket for cash. In between I checked my Chase online account and noticed series of charges were made by XXXX to the tune of {$9700.00}. So, I immediately E-mailed XXXX XXXX XXXX and they denied booking thru XXXX. So, I called Chase bank customer service number and lodged a complaint. The agent advised me to immediately deactivate my Chase card dispose off and issued me a new card. He also said he is turning over the case to fraud section pending investigation. 
On return from XXXX we were surprised to get a letter from Mr. XXXX and subsequently from MsXXXX XXXX, from fraud cell basically indicating that their investigation is complete and we are responsible for paying the {$7500.00} amount since we knew the travel site XXXX from based on our earlier transaction XXXX through the site. Later, on XX/XX/XXXX when we received our XXXX statement it indicated that X agency might have purchased these tickets ( which totals {$9700.00} ) but they also have fully reimbursed next day itself ( {$9800.00} ) specifically to my old card since destroyed. 
I have made multiple attempts to contact MsXXXX XXXX but to no luck. I even visited nearby Chase bank branch and they said only online person can help. Even, when I am able to get a person online he/she fails to understand my point of view and insists that I have to pay those charges. Initially, they were understanding and gave me a credit of around ~ {$2300.00}. But we booked 3 adult tickets. I am also XXXXXXXX XXXX and undergoing treatment at XXXX XXXX Hospital for my XXXX. As a last resort, I am writing to you to remove the charges {$4700.00} which has been already paid. Thank you for taking up my case. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: LEXISNEXIS
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:
My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, INC.
State: FL
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 sent multiple letters and made request online in XX/XX/2017 to have fraudulent inquiries removed from my credit profile. Equifax has been no help in this situation even with my Personal Information being impacted twice by their cyber breaches. Equifax did not look my disputes they sent me a generic letter explaining what an inquiry was instead of helping rectify an issue caused potentially by their breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are not able to see the scheduled activity on the portal. As we waited for the auto payment to take an effect. We are not able to cancel or see any scheduled payment. Out of the sudden we are surprised by double overdrawn from FIFTH THIRD BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I recieved my bank statement to find my account had over XXXX in charges that I did not authorize so I went to bank called police did every single thing known to do an As I was asked to do, and yet it's been 30 days now An I have XXXX in bounced check fees fines and the bank is refusing to give me my money back and im told that it's a civil cop matter not there problem they said it's theft not fraud well yeah it is both cause I'm not sure who stole it I gave them few scenarios I might could help them but I'm not sure they said I need to make an arrest to whom did it and get the cops to make them pay me back it's ludicris! Im in need of that money and as the CEO mr XXXX words to me were, oh well you may just have to eat that money REALLY im blown away I put my money in trusting them to keep for me safely and now im broke and completely losing my whole life daily 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 monetary relief
Consumer complaint received 2021-11-01
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi I am unable to communicate with Acura Finance branch office for Illinois regarding my inability to see my current car lease online. The car finance company sends me a notification that my monthly lease bill is ready but when I login into my online account I can not see my vehicle ( says it is registered to a different account ). I am set for auto payments so they are deducting my payments, but I can not get my monthly bills. I tried calling their branch office but they have a 50 minute wait. I waited on the phone more than once trying to reach them but they never connect the call and keep you on hold with no way to talk to anyone. I tried to contact the dealer as well as the Car company but they have no way of connecting with the Car finance company. At this point I am not able to find any way to connect with them to fix my online account so that I can transact with them and retrieve my monthly bills. Please help. 

Thanks & Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, 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:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
this what Eqiufax which is inaccurate XXXX XXXX  XXXX/XXXX  XXXX Reported XX/XX/2020 82 % Balance : {$1600.00} / {$2000.00} Overview You're currently using 82 % of your account 's limit. 
Balance {$1600.00} Credit limit {$2000.00} Minimum monthly payment {$55.00} Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: NEW YORK COMMUNITY BANK
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XX/XX/XXXX mortgage payment is being reported as past 30 days due on my credits history even though I have proof of payment delivery on Saturday, XX/XX/XXXX. The mortgage company, New York Community Bank ( " NYCB '' ) has responded to my written inquiries that although the payment was delivered to the payment address of record on XX/XX/XXXX it was not received on a business day and therefore it is posted on the next business day which was XX/XX/XXXX. It is my assertion that the payment receipt date should drive the credit reporting date to determine late payments not an arbitrary payment posting date determined by the financial institution. The fact that the financial institution arbitrarily posts a payment in their system based on business day does NOT change the fact that my payment was received on a XX/XX/XXXX and should be reported as 30 days past due on my credit report. I have requested a correction via 2 separate letters to no avail. I would like my credit report correction to reflect timely payment for XX/XX/XXXX mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My original loan before this creditor took over was with XXXX XXXX. I took a {$15000.00} loan in 2016 to pay for my final year of schooling. Fast forward I was unable to get a decent job that would allow me to make substantial payments on this loan. I paid a {$50.00} forbearance fee which was already a burden in itself for me. After a while I was simply unable to pay a monthly payment and I continuously tried getting some type of monthly payment that fit my already low pay. My loan went delinquent and was charged off to EOS CCA Collection. From this point on was when this loan was a nightmare. I have interest accumulating EVERY SINGLE DAY! This is so insane! My credit score CONTINUES to plummet because of this. I have tried on several occasions to call this creditor to resolve delinquency by making some sort of payments but they never work with me. I am still out of a job at the moment and I only make enough to pay on my federal loans. I keep pleading with this company to stop adding interest everyday. There is sometimes when they had {$100.00} in interest EVERYDAY! If I am already struggling to pay down the principal, how do you expect me to pay the interest? Now they have threatened that they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.

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