BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my Chase account in full on XX/XX/XXXX. My statement date was XX/XX/XXXX. Chase assessed me an interest charge on XX/XX/XXXX. Assessing interest on a closed account with a {$0.00} balance paid in full before the statement date is borderline wire fraud. Chase needs to refund this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received ached from my insurance company to pay for hail damage on my house. I went to the Compass Bankin XXXX XXXX to process their endorsement of the check and then for Compass Bank to mail the check to XXXX to get their endorsement. Instead BBVA Compass endorsed the check and placed the  money into my helot account. Once Compass figured out what they did wrong the bank reversed the deposit of the money out of my account as insufficient funds. Now Compass claims they are sending a check overnight to my XXXX branch but nothing showed up. 
Here we are 5 weeks later, I am afraid my contractor is going to lien my property and Compass Bank is going to foreclose because it looks like I bounced a check. XXXX still wants the check for their escrow amount. 

In all this Compass Corporate does not think this is a big deal. 

I do want to let you know that the people at the XXXX XXXX Branch of BBVA Compass have tried hard to help me but the higher management is trying to cover the fact that they erred in not getting XXXX endorsement. 

Compass Bnk employees XXXX XXXX and XXXX XXXX are responsible for the accuracy of the non sufficient funds internal ticket number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I am constantly filling out surveys through XXXX - nationalconsumercenter.com website and/or some website that's very similar to the ones I just described. Now when I have completed these surveys, expecting the delivery of payment for filling out their requested surveys, when I am redirected to confirm my shipment and/or personal information page, there is NOT an option to edit any of my information to confirm delivery or personal contact information so I can be notified on the shipment of payment or status of anything regarding my survey involment/participation. 

Due to the fact that I can not edit my information when I am redirected to the confirmation page, I believe I am not receiving ANY information on status for my participation in any questions I am answering, and am personally feeling like my intellectual properties and my involvement not being compensated like I was lead to believe, has been fraudulently stolen and or not redirected to me, the consumer/participant correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Mr. Cooper Group Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Last 4 of my ss # is XXXX Contacted and filed complaint with CFPB and XXXX, Mr cooper mortgage stated they would start reporting my mortgage loan that they have failed to report since my reaffirmation and bankruptcy discharge in XX/XX/2018. 
I sent the required letter requesting trade line credit reporting and theyve still failed to report my loan and payments for last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. 
In XXXX, I purchased a XXXX XXXX XXXX, which was financed by Exeter Finance for {$23000.00}, at a Monthly payment of {$550.00} for 72 months. Even, though I thought the payments were high, I was diligent with my car payments. 
Recently, Exeter communicated with me to inform that, I still owed a principal amount of {$7000.00}, which needs to be to be paid within the next 80 days. My immediate response, How much have I paid so far? 
Exeter responded by telling me that I have paid {$41000.00} to date and insisted that I pay an additional lump sum of {$7000.00} to relinquish my debt. On XX/XX/XXXX, I requested a summary of my Payment History, Sales Contract, and Loan agreement for review. Exeter has promised to send/email, but has not sent the materials in 3.5weeks. 
I feel that Exeter is not only practicing unfair debt collection, their policies are indiscriminate, and their behavior is obtrusive with constant phone calls XXXX am each morning prior to me going to work. 
I am convenience that I have paid off my car, and are no longer obliged to make any further payments. Exeters address is XXXX. XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX, email address : customerservice@exeterfinance.com.

Please provide me with immediate assistance. 
Sincerely, XXXX XXXX ( XXXX ) XXXX ( m ) ( XXXX ) XXXX ( w )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
One main fin is a rip off they are charge me 100 % I receive XXXX and they want XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: LJ Ross Associates
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXXXXXX XXXX XXXX my name and I explained to them that it wasnt me because I already have two XXXX XXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called me at XXXX on XXXX/XXXX/XXXX with a recorded message. Call often after XXXX. Calls all the time from spoofed numbers. Always a recorded message. Always implying legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, XXXX I submitted correspondence to Synchrony Bank because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Synchrony Bank on 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 2017-10-04
Company: Experian Information Solutions 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:
I requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian credit 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 non-monetary relief
Consumer complaint received 2017-08-10
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted LoanCare on multiple occasions, With my loan switching from one to another I never knew that my loans may have overlapped, I have faxed, email, and called to show proof of payments to keep my loan current and pay off on any late fees that may have occurred during this time. Yet no answer if my loan was current or payments that I would need to pay. I have confirmed that they have my direct payments info at their location they refuse to use that to take out payments from month to month. I 'm really frustrated with this entire company now I 'm scared that I may lose my home because of the lack of communication they have with the customer.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.

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 2017-10-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed

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 2017-10-04
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection showed up on my credit report from " Allied Collection Service '' in XXXX XXXX, NV ( original creditor XXXX XXXX. After numerous attempts to get Allied to remove collection from my report at the directive of XXXX XXXX the agency hung up on us, then told us to contact the 3 agency 's directly and laughed. XXXX XXXX had tried very hard to help and the finance manager for XXXX had personally called Allied directly to resolve the issue only to be hung up on. XXXX XXXX has detailed notes in the system of the last 2 days of actions. 
The chief compliance officer for Allied Collection Services went as far as to yell that I had a false statement and I was pretending I had a Lawyer. XXXX XXXX XXXX XXXX. ( Attorney at Law ) my attorney for years contacted them and let then know that they were not complying with the request of the original creditor. 
XXXX XXXX has also said they they will take the actions of the agency under review and might terminate the contract because of the behavior and defiance of the management and officers in reference to the unethical way they treated both the XXXX XXXX employee 's and myself. 
Please take my appreciation and thanks in advance for any and all help you might be able to provide. 

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 2017-10-04
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
( XXXX ) XXXX called and left a voicemail stating that his name is XXXX XXXX from XXXX XXXX. He requested that I call back XXXX XXXX XXXX XXXX about verification of address and liquidated assets. XXXX XXXX then contacted my employer and claimed that I had a criminal complaint against me and that I had committed fraud. He also stated that XXXX XXXX had a judgment against me. I called and attempted to get information from XXXX XXXX and he would only ask me to verify my SS # and that I owed a debt. He would not tell me who the debt was with. I asked him to not call my place of employment and he refused saying he would continue unless I paid the debt. I requested to receive information regarding the debt by mail and he refused. I informed him that I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-07-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried, for a significant period of time, to dispute a Bankruptcy that is being reported under my name and attached to my social security number. I first consulted XXXX XXXX, who contacted Experian on my behalf. The XXXX XXXX was used to " verify '' the Bankruptcy through XXXX 's data system. There were no phone calls, no paper trails, no true verification of validation of anything. XXXX XXXX did nothing to question their method of verification, but certainly took money from me in a hurry. I then contacted Experian on my own and tried to submit my dispute using the FCRA because I have been advised that it's best to dispute this way, even if something is not valid, unverified, or potentially fraudulent because too many people have abused the system by filing false police reports in attempts to get credit sweeps and get a clean file. The problem is no proper investigation has been conducted. Experian collects their information from XXXX. XXXX claims to get their information from the courts. The clerks in the courthouse, will testify that they do not verify or validate anything by phone, e-mail, or fax regarding court records. The court records DO NOT SHOW the entire social security number, and if any of these entities had honestly taken a look, they would see that my social security number, which Experian knows very well, is NOT on the court records. What the court records show is completely different. Therefore, they have reported inaccurate information for a long time. Due to the fact that I was duped into trusting XXXX XXXX to perform any work for me, plus trying on my own to dispute this matter, Experian has decided they don't have to look into this any further. At this time, I have more information, and they will not allow me to initiate a new dispute. This has gone on long enough, and I have been more than civil, patient, and respectful. They are not entirely accurate when the investigation results ' letters come back stating the court verified it or that XXXX verified it. Experian and XXXX are for financial gain, and I represent money to them because they can continue to report unverified items. The court reports use name and address, which XXXX records. That is not proper validation, particularly when Experian does nothing except repeat what XXXX states. After all this investigation I discovered on my own, they have now decided to not give me an opportunity to dispute this.

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 2019-07-06
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed a certified handwritten letter to the Doctors Business Bureau on XX/XX/2019. USPS states that they recieved it XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXXXXXX bank and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.

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