BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter, XXXX XXXX, and I were in an annual contract with XXXX XXXX for XXXX XXXX XXXX XXXX, in XXXX, NC XXXX for the year of XXXX. Once the annual contract was over, the apartment was released back to XXXX XXXX on XX/XX/XXXX fully cleaned except for a large bed frame that I was unable to remove due to me being XXXX. I traveled to North Carolina from Alabama and spent 15 hours cleaning the apartment and made a video of the final view of the apartment before I left and placed the key under the rug at the front entrance of the office as was requested by XXXX XXXX. 

XXXX XXXX then sent a ledger stating that there were charges to the apartment including the damaged front door from an emergency fire event in XX/XX/XXXX, the large bed and frame that was left there ( which I did advise them of ), the loss of my security deposit, and their decision to replace the ENTIRE carpet in the apartment based on recommendation advice they received from the maintenance department that the carpet was not 'salvageable '. In addition to the video I made, I have proof that the payment for the door to be replaced was paid for by the XXXX of XXXX. In the video that I took, there is further proof that the carpet was intact. 

During the season of COVID 19, my daughter lost her job but was able to get financial assistance from XXXX XXXX for the month of XXXX through XX/XX/XXXX in the amounts of {$4400.00} and {$3600.00} which was paid to XXXX XXXX via check and also one direct deposit for the latter amount. Although attempts were made since XXXX to dispute the final ledgers, both my daughter and I received a collection notice in the mail from FCO ( Fair Collections & Outsourcing ) for a total amount due of {$6400.00} which is incorrect and fraudulent. 

In an attempt to have these fraudulent charges removed from our 3 credit reports, we contacted XXXX many times since XXXX to send proof of payment ; we finally received the proofs of payments on XX/XX/XXXX. Although I sent an email to FCO the following day and attached the proof of payments from XXXX, FCO sent me an email today, XX/XX/XXXX ( upon my request of an update ), that states that we still owe the debt. Again, this is invalid and fraudulent, so we are adding FCO to our lawsuit against XXXX XXXX in that this issue has caused both of us to lose out on credit opportunities for more than 1.5 years, emotional and financial damage, driving expenses, our security deposit, false reporting to the credit agencies and undue stress.

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 2019-03-30
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I Have A Satisfaction Of Mortgage Dated Back to XXXX They Say Chase is not Chase Loan, On XX/XX/XXXX They Issued a S.O.M. on XXXX Recorded with our Register of Deeds Here in XXXX XXXX On XXXX XXXX XXXX I got a letter from XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX . 
XXXX that the Ref.Id.that chase said it was not there loan That My Loan was paid in Full as of XX/XX/XXXX. I also got a S.O.M. From XXXX. recorded with our Register of Deeds XXXX. This has XXXX. My Acc/ with Chase started on XX/XX/XXXX A S.O.M. It is a Document Generator By a Mortgage Lender It contains that the lender has no longer has any control over owner ship of the property the loan is Paid In Full. Our XXXX. Statutes state That XXXX Statute 706.05 { 10 } and 706.05 { 10 ] { a } This all mess started with the Housing Market crash of 2007 On Oct.6/2007 The Feds Announces that it provide 900 billion Dollars in shot term loans to Banks the Dow cloase below 10,000

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called Toyota Financial Services in regards to a past due amount that appeared in the amount of {$140.00}. I spoke to a representative named XXXX ID # XBJW that advised that an investigation form would be submitted. I was advised that in XXXX business days that this would be resolved. I called back on Monday the XXXX and spoke to XXXX ID # FOGW who had advised that the case had not been resolved and that I needed to call back the next business day. I called back on Tuesday XX/XX/2023 and spoke to XXXX ID # KIYW and was put on hold for over XXXX minutes with no answer before I needed to disconnect the call. I called back again on Friday XX/XX/2023 and spoke to XXXX ID # VTNW and was not given any type of answer on the investigation form. I was then placed on hold for around XXXX minutes before requesting a supervisor, XXXX ID # EOBW. XXXX said that they would look into the account and then the call with XXXX was dropped. None of these agents could explain the transaction of XXXX that had appeared onto my statement when the past 3 months statements showed that the past due amount reflected at {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XXXX XXXXXXXX  I overpaid my bank of america credit card {$20000.00}. I meant to apply to my home loan and not my credit card. I have called them over 20 times and they tell me the checks in the mail, transferred to another account or on hold. They refuse to provide contact info other than customer service general number, they refuse to send me any records but tell me it's in process. I need help and they can not provide any details other than wait 3 days, it will be there next week, now they are saying it will take an additional 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
About 6 months ago I applied for a personal loan from Citibank. The loan application stated that if payments are made with AutoPay, there would be a 0.5 % APR discount. I have used auto pay since the origination of the loan, and have yet to receive the reduced APR. When I made a complaint to Citi, they said that the loan needs to be paid with a Citi checking account to get the discount. That information was not provided at the time I applied for, or accepted the loan. I find this to be very deceptive marketing. Citi refuses to honor the offer. 

The offer is still advertised on their website : " Fixed rates of 9.49 % - 20.49 % APR. Additionally, there is a 0.5 % APR discount if you enroll in automatic payments at the time you submit your loan application ''

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 2020-03-04
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 I received an erroneous monthly statement, see attached.

Today, XX/XX/2020, the Loancare website indicated I am late and would not allow me to access my payment portal without admitting so by answering an erroneous question as to why I am late. 

Then, I was not able to initially navigate to the onetime payment, it was locked. 

Next, I logged out and logged back in to find it working. I proceeded to make my XXXX payment, but the website wanted me to pay two payments and a late fee! I was able to change the amount and delete the late fee to make a regular payment as due. 

I was not able to avoid a {$10.00} charge, even though the website indicates it is free to use the onetime payment within 1-4 days of the due date ; I am within this time frame, so I should not be charged this fee. 

These continued mistakes by Loancare are causing me incredible difficulties and is unbearably burdensome.

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 2020-03-04
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Consulting Services, ( XXXX XXXX XXXX # XXXX XXXX, XXXX ) Put a levy on My account for the debt I do not owe. They do not provide Debt Validation. 
They ended up with a default Judgement due to the fact they had sent all Summons to my previous address and wrong one. They do not respond to my request for Debt Validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Collateral Loan on date XX/XX/2017 was mismanaged by NFCU. My attached letter and attachments 1-7 will provide the necessary details of my compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Exeter Finance Corp.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled up my credit report and noticed some inquires that I had no knowledge of. I reached out to the companies to see if this was a mistake and they said it wasnt. So XXXX claiming it as identity theft. I have no accounts associated with any of these creditors. Ive already submitted an identity theft report with the FTC based off these companies that inquired on my report : XXXX on XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Deluxe auto Finance XX/XX/XXXX Exeter Finance LLC XX/XX/XXXX Please look into and removed from my credit file immediately. Again I have no credit history or any open accounts with these creditors and it is illegal to tie me to an account XXXX not associated with, by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Resurgent Capital Services L.P.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I mailed Resurgent Capital Services a Debt Validation Letter and it was delivered certified mail on XX/XX/2022. On XX/XX/2022 I received a notice that they received my validation letter and mailed me three debt collection attempts instead with very little of the information I asked and are not able to Validate any of the additional information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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 ( XXXX XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
This is inaccurate, this should not be in my credit report, I demand it to 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received 2 reward cards. 1 had {$200.00} and the other XXXX. I was told I had to wait for {$0.00} authorizations to fall of pending before I could use the card this past conversation. Since XX/XX/XXXX to XX/XX/XXXX I have not been able to use the {$200.00} card and only been able to use the {$100.00} card for approximately {$44.00}. I have spent countless hours trying to resolve with customer service only to be fed misinformation, excuses, and be hung up on. I am now on another call waiting on hold for over XXXX minutes after being hung up on after XXXX and a half hours. Worst customer service Ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
American Express sent me a XXXX card that I had never applied for. 
Someone fraudulently applied for the card and they approved it without my permission. They need to be reprimanded and fined for their fraudulent practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
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:
This is a complaint againsXXXX XXXX XXXX XXXX. I've dealt with the XXXX people/employees anmed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , they all claimed to not work on commission. The people I dealt with told me that I'm making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as XXXX XXXX passes, 5-day stay in Hawaii which I never did get or able to use. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I didn't know how to cancel, they never properly educated regarding cancellation, like how many days to cancel and such. Having this timeshare just gave me hardships, problems caused by this even make me lose sleep and its just extremely stressful for me. I had the worst experience with this timeshare, they won't let me use my points, can't book trips on birthdays, can't use the daily rate pricing ever. You have to forfeit your points if you don't roll over twice they told me once. I felt I was profiled, I'm young and I'm an XXXX XXXX. I was highly pressured with their sales tactics. They kept lying and dodging or simply just not answering questions honestly. I was led to believe I can book without using points whenever at the lower nightly rates, I tried multiple times and was never able to at the rates provided. I was never able to use points, it didn't even roll over as they said it would so I ended up losing all the points, and still expected to pay fees without points. I was simply defrauded, lied to and was taken advantage of.

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 2021-08-11
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:
Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from XXXX XXXX  via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the account referenced on my TransUnion consumer report does not belong to them. Additionally, the same documentation that I also sumbitted to them via hard copy through the US Postal Service was returned to me with a notation from the Postal Service that the company does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion as well as XXXX on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. Transunion and XXXX refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over Transunion and XXXX have directed me back to the companies even after me providing the information I was given. I was then informed by Transunion XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and XXXX that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.

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