BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
During the purchase of my daughters vehicle XX/XX/XXXX we purchased an extended warranty for {$1500.00}. We believed that the warranty would protect her for an additional XXXX miles over the manufacturer warranty of XXXX or until 84 months which ever occurred first. Upon reviewing the documents in more detail we realized there must be an error on the paperwork as the vehicle would only be covered to XXXX miles giving us only XXXX additional miles over the original manufacturer warranty. We never used the warranty not even once. The vehicle is now according to the paperwork out of warranty. We feel that there had to be an error as it would have been an extraordinary large sum of money to pay {$1500.00} to only gain XXXX miles of coverage. As a point of reference I purchased an extended warranty on my XXXX XXXX  on a separate policy when I was at close to XXXX miles and gained XXXX miles of coverage on that plan. It does not make sense that we would not have gained coverage on the XXXX XXXX to XXXX miles or 84 months. I called the dealership and spoke with XXXX in finance, He stated there was nothing he could do at this point as the vehicle warranty is expired. He apologized for any past misrepresentations and stated that they are more transparent with their clients now. I feel like we were definitely taken advantage of if this was in fact intentional and not a mistake. We signed so many documents during the sale and the officer doing the paperwork was  very convincing. We trusted him. We are very disappointed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: HI
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:
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix  this ASAP please Im looking to purchase a home.

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 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My online Bank of America ( BOA ) credit card account ( ending in XXXX ) statement indicated an 'unclaimed credit ' in the amount of {$260.00} as of XX/XX/2018 I contacted BOA supervisor XXXX  regarding this unclaimed credit on XX/XX/2018 requesting that the {$260.00} be applied back to my credit card account. XXXX indicated that BOA sent the {$260.00} to the State of Texas. XXXX  noted I have to contact the State of Texas in order to get the money that is rightfully owed to me. I asked XXXX to speak with an upper level supervisor. XXXX indicated, " I ' the highest level supervisor available at this time. '' This is concerning, as I'm a long-time ( over 20 years ) customer with multiple BOA account. I've had no issues in the past requesting BOA to apply overages/credits back to my account. Thus, I would expect BOA to make every effort to contact a valued customer before deciding to move in this direction. Prior to this phone call, I was never notified of this 'unclaimed credit ' by BOA .

I spoke with the XXXX ( Texas unclaimed Property Division/Texas Comptroller ) on XX/XX/XXXX regarding the above. XXXX indicated there is no claim in the system under my name. She noted that it could take a month or two before the claim shows up in their system, which afterwards I can initiate a refund claim. She also indicated that funds are usually not turned over to the state until 3 years of inability to make contact with the customer. Thus, it could be months before I receive my funds. Therefore, I'm very concerned that BOA in this deceitful manner.

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 2022-11-08
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage payment I have a car loan my car is not have it because XXXX he will get back with my car oh XXXX XXXX I lost XXXXXXXX XXXX  pay for them and mortgage payment also because its nobody help XXXX exiting the car my car is no pay for them and XXXX XXXX  I have a doctors note also

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon being denied from a lender for too many inquiries from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my TransUnion credit report that I DID NOT authorize and had no knowledge of. I contacted TransUnion immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2  XXXX   XXXX   date   XXXX   3.   XXXX  date  XXXX   4.   XXXX   date   XXXX     5.   XXXX  date  XXXX   6.   XXXX  date  XXXX  7.  XXXX   XXXX  date  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 2018-06-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my house for which I have about 30 percent equity. I visited the Navy Federal Credit Union 's web site to check their rates, but it only lists the lowest rate for conventional loans without the number of months and points. From there, their web site directed me to a loan product at a reasonable interest rate and one point. So I applied, paid a fee, and was assigned a processing agent. When I got the documents, however, it had a large {$7000.00} pre-paid mortgage insurance and a monthly PMI payment of {$250.00}. I had to stop their digital approval process and tried to contact the processing agent by telephone and email. She has not returned me voice mail or email. Closer look at the paper work it appears the web site steered me towards an FHA loan. The processing agent should have seen that with 30 percent equity or LTV ratio, I didn't need that product and its a bit disingenuous that she didn't contact me to confirm that's what I really wanted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with Equifax, XXXX XXXX and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
APPLIED FOR CREDIT CARD FROM HUNTINGTON BANK, RECEIVED LETTER DATED  XXXX    XXXX ,2017  THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING (  XXXX ,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR  14  YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka XXXX XXXX XXXX. I, my XXXX in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/18 XXXX female states I will be at your place of employment and residence. 
XX/XX/18 ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/18 ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/18 ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XXXX, XXXX from XXXX XXXX XXXX. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : XXXX XXXX XXXX # XXXX, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. 
According to the provisions of 612 [ 15 USC 1681j ],  there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.

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 2018-10-25
Company: EQUIFAX, INC.
State: SC
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX  XXXX  : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, Unknown Equifax : XXXX XXXX, Unknown Equifax : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I contacted TransUnion on XX/XX/18 to speak with the representative to let them know that I was a Victim of their " inquiry issue. '' Their customer service representative would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX   XX/XX/2018

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 2017-06-22
Company: Experian Information Solutions Inc.
State: AZ
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 have recently obtained a copy of my credit file and there is mistake in my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
APPLIED FOR CREDIT CARD FROM  XXXX   XXXX , RECEIVED LETTER DATED  XXXX   XXXX ,2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( TRANSUNION,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR 14 YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.

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 2017-06-22
Company: EQUIFAX, INC.
State: ND
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 am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, Equifax and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Dear Sir or Madame : I was swindled out of {$6000.00} by cashing XXXX Money Orders at Chase Bank in XXXX XXXX. I was " selected '' to be a secret shopper from a XXXX XXXX. 

I was under the impression that the money was good after the bank said it would take a couple of days to clear, which I thought it had. I had cashed one for {$1000.00} a week prior and the bank hadn't reported any issue on that one. 

I received another mailing with 5 Money Orders for {$1000.00} each. Suspicious, I took them to the FBI Headquarters in located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/18 to see if there were any reports on any Money Order scams. I met with a XXXX XXXX XXXX who said there were no reports and the Money Orders looked real. With that, I went and deposited them at a Chase branch on my way home. 

I was under the impression Money Orders had the funds and waited a bit while I thought the teller was checking on each one. I was told it would take a couple of days to have them clear, which it did and moved the funds over to my main XXXX XXXX account online. 

I was to receive a {$200.00} commission for shopping for XXXX XXXXXXXX gift cards at various stores and report back on customer service and take pictures of the serial numbers on each card and text them back to my contact " XXXX XXXX ''. I had explained all this to XXXX XXXX and forwarded him the text messages. He later left me a voice message saying he spoke with colleagues and said it might be a money laundering scheme, but after I had cashed the Money Orders. 

Last week I received notices that all the Money Orders were counterfeit and besides owing them the {$6000.00} cash, I also owe them {$72.00} ( {$12.00} each ) in returned funds fees. I also owe the credit cards I used to purchase the gift cards thinking I was going to use the cash to pay them back. 

I have filed reports to the XXXX XXXX of XXXX XXXX and one Online to the FBI as instructed by XXXX XXXX. 

I don't want this to happen to anyone else and am trying to get my money back from XXXX on {$800.00} of gift cards I didn't send over to the scammers, but all the stores said sales were final. I also received a notice from Chase that I need to repay them within 10 days. 

I don't feel I was represented correctly by Chase and wish to know what my recourse is. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( TU ) XXXX XXXX XXXX XXXX  XXXX  ( TU ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX  XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the company.

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