BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-06
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to move due to a XXXX XXXX situation. Upon moving, I IMMEDIATELY called the rental office to report that I had moved from the residence. I was told by the office manager that because I was breaking the lease ( due to having to flee ) I would be responsible to an additional months rent as an " early termination fee ''. Never received a bill after our conversation, and then it reports to my credit for XXXX! I do agree because I was breaking the lease I am responsible for an additional month. I looked up the laws in the state of Maryland it states " * They can break their lease no matter how long it is without penalty if they have a protective order and give the landlord 30 days notice. Tenants will only be responsible for a months rent and repairs to damages, which can be deducted from security deposits. "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: PROVIDENT FUNDING ASSOCIATES
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Provident Funding recently became the servicer for the mortgage that was transferred from original lender who was XXXX XXXX.

Provident Funding has committed a slew of unfair and deceptive practices in loan servicing, debt collection, and credit reporting that affected me and most likely other homeowners nationwide.

Provident Funding has maintained incorrect and inaccurate information.

Provident Funding has failed to correct inaccurate information in a timely manner.

Provident Funding claims to have sent numerous notices, however the mailing address is not correct and therefore the notices were not received.

Provident Funding claims they have called and left numerous messages, however the telephone number is not correct and therefore the messages were not received.

The mortgage was paid every month on time and funds were deducted from the checking account automatically and transferred to pay the mortgage on the last day of each month. Provident Funding failed to transfer money that was paid to the account.

As a result of these unfair and deceptive practices in debt collection, the company has furnished credit reporting agencies with customer information it knew was inaccurate, and failed to correct inaccurate information in a timely manner and assessed a late fee of {$49.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: CA
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:
I'm in the process of obtaining a mortgage loan and three different companies have told me they get error reports from Equifax which has avoided me being able to move forward on the home purchase process. My home is ready and yet I can't move forward with a loan because Equifax states that there's nothing wrong with my report but no one, including myself have been able to access my report and score. I truly need help on this matter. I have been speaking to them on a daily basis since XX/XX/XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Professional Financing. we have a loan from them for {$6000.00}. We are not even behind on payments but they call mine and my husband phone 3 times a day to get payment. The payment is only {$250.00}. We have never missed a month and they will call from multi different numbers multi times a day.

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 2021-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Wells Fargo credit card for more than 20 years now. I have not been using for many years and paid on the balance timely for all those years automatically from my checking account. instead of going down somehow my balance kept creeping up. that was not enough for Wells Fargo. they decided to rip me off by abruptly stopping taking automatic min payments and starting to charge me penalty APR and astronomical fees. I never received any calls or letters from them for months and I had no idea that they closed my Wells Fargo account and destroyed my credit report. I did NOT discontinue my automatic min payment, THEY are the ones that stopped taking the payments and posting them to my account. Most of my balance if not all on the Wells Fargo account are their bogus fees and 30+ % interest, my principle bal was probably just a few hundred $ $ if any at all. I tried to negotiate the acc or settle it but I could not get anywhere with Wells Fargo, it 's : pay what we want or XXXX, only threats and harassment. please help me to resolve 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 non-monetary relief
Consumer complaint received 2018-07-15
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
JPMCB CARD opened a credit account in my name on XXXX XXXX2016 without my consent or authorization!!! I never signed any contract or document authorizing such agreement.The status of such account is charged off and the account number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My complaint is with Synchrony Bank CareCredit card. Today, XX/XX/XXXX I received a letter dated XX/XX/XXXX that they had cancelled my card. The reason stated was because of a random credit check that they did and my credit score. First of all I want to say that I have had this credit card for 7 plus years. I made timely payment and, when possible, I paid my balance off. I used the carecredit for XXXX  work and to take my dogs to the vet. The last activity I had was XXXX, XXXX for {$100.00} and I paid that off. I contacted the company today, XX/XX/XXXX and spoke with the supervisor that had an I don't care attitude and told me that is the way it is. What I can't believe is that this action is allowed during COVID times. What they have done to me is ding my credit and cancelled the card which has dinged my credit even more while I have been a customer who has kept the account current or paid up and had longevity in 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
Consumer complaint received 2018-07-12
Company: JPMORGAN CHASE & CO.
State: OR
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:
Summary : Item I agreed to purchase was never recieved. Visa/Chase is requesting that I break the law ( 18 U.S. Code 2320 Section 2 ) in order to secure a refund. I also can NOT be billed for merchandise I never agreed to purchase. 

More info : Purchased item from XXXX XXXX. Item was not delivered. They sent something completely different than what I ordered and later turned out to be counterfeit. After failing to resolve the situation with the merchant who refused an exchange or refund by the letter of the law, I initiated a chargeback. Case XXXX with Chase Bank. 

I have been informed that because the merchant did not get the item they sent me back, that the dispute center will not refund me. This goes against the FAIR CREDIT AND BILLING ACT. Specifically : 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For  the purpose of this section, a billing error consists of any of the following : ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

No where in the FCBA does it state that I am obligate to return items that exist outside the purchase agreement in order to qualify for a refund. The counterfeit item is not what I ordered or agreed to purchase. It exists outside the purchase agreement between myself and XXXX. 

Also, shipping a counterfeit item to return it is ILLEGAL ( 18 U.S. Code 2320 Section 2 ). Visa/Chase/XXXX can not compell a person to break the law in order to secure a refund. 

I am due a refund in full because I did not get the item that I ordered. It is a billing error. Visa/Chase 's obligation is simply to determine whether I got the goods or services I agreed to buy, and if not ( billing error ), issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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 surrendered the vehicle to credit acceptance after I could no longer for the payments after making payments for 6 months on time. Of course they said it was repossessed which is fine. I get it but they say they sold it for {$4000.00} at auction and I have a {$10000.00} balance which is ridiculous and my credit is in shambles because they put me into a long way bigger than I could afford and they knew it.

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 2019-08-09
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get TIAA Bank to Discharge my Mortgage. They initiated a lawsuit lost in court, the decision was handed down on XX/XX/XXXX. " Judgement for the Defendant. '' Please see Decision XXXX XXXX : XXXX XXXX XXXX v. XXXX XXXX XXXX for the courts decision regarding the discharge of a mortgage after a suit. Maine law is clear on this matter. 

The homeowner is entitled to a discharge of the mortgage if judgement is entered in his or her favor. TIAA failed to win failed to prove their case against me, the case had no merit in the first place yet they have held onto my deed. I demand that they release it or I will be forced to take action. I will ramp up my complaints against them and use every means possible to do so. The internet, radio, the newspapers and even the local television stations. 

Will these big banks ever smarten up? Stop trying to push people around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke with representatives and remitted 2 separate payments, {$510.00} for account ending XXXX and {$530.00} for account ending XXXX. Representative stated that, as per settlement agreements these payments would be accepted as " payment in full '' for account balances. I responded to the offer to retire these debts, and proactively reached out to the company. 

Credit report shows balance of {$480.00} for account XXXX and full balance for account XXXX. The company did not honor their part of the agreement ; it took the one payment {$530.00} applied it to the balance but did not update balance to XXXX  as agreed on their recorded line and documents mailed to me. Secondly, the company took the agreed settlement amount for account ending XXXX and simply did not report any payment all. 

The company has violated their part of an agreement initiated by themselves. 

I spoke with representatives today ( 3, including one supervisor ). All of them attempted to transfer me to someone else and not one of them could give a reasonable explanation of why my payments are not reported and/or why they are not honoring the settlement agreement. 

American Express has misled me into believing that if I remit a fixed amount - settlement amount - they would accept those payments as " paid in full ''. However, they have completely abandoned their part of the arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: STERLING JEWELERS, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased 2 watches as gifts from the XXXX mall location in Wisconsin of XXXX 's on XX/XX/XXXX. My purchase total was {$690.00}. Since I already have a Sterling Credit Card I knew that purchases over {$500.00} were qualified to be interest free for 6 months. I confirmed with the gentleman that I made the purchase from that this was correct and he agreed. 

I then had to take back one of the watches because my stepdad didn't like the style and wanted to pick something different. We exchanged one watch on XX/XX/XXXX for a different one. I did get a {$76.00} credit into my account since the new watch I purchased didn't cost as much as the first one. This would still leave me with a {$610.00} purchase- still should have been qualified for no interest. 

To my surprise I was charged with my first finance charge of {$12.00} on XX/XX/XXXX. I then emailed the company ( an option when you are logged into your account online ) on XX/XX/XXXX and asked why I was being charged interest. I received an answer on XX/XX/XXXX from XXXX XXXX stating that the promotional plan I was interested in requires a 20 % down payment at the time of purchase so I wasn't eligible. 

My response on XX/XX/XXXX to that was that I was not informed at the time of purchase that I was required to make a down payment or I would have done so. I then asked for the situation to be handled or I would be filing a formal complaint. That response was : a very general : XXXX XXXX  issues your account and responds to all credit related inquires on XX/XX/XXXX. This infuriated me. I had to actually wait to calm down about this situation before I filed the complaint. I work in customer relations at a bank and would never blow off a customer that states they will file a formal complaint. I deal with them everyday and make sure that whatever they ask for is handled. For me to get treated like this when the shoe is on the other foot is a slap in the face. 

I thought I would wait one month to see if I'm still being charged interest and sure enough I am.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: BARCLAYS BANK DELAWARE
State: OR
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:
Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my 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 2021-03-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian allowed someone to create a fraudulent account on their website using my identity information and a fraudulent email address. Apparently, that account had been active for a number of years. 

When, by chance, I discovered the breach a little over a month ago, I called Experians customer service and they put an immediate alert and a credit freeze on my credit file and locked all access to the website.

I was able to submit the necessary paperwork to Experians Fraud group through their online upload to enable them to reinstate me as the rightful owner of my credit file. I then discovered that my website access was still locked.

Although Experians " Fraud '' group had the necessary paperwork to correct the ownership issue, their Online group was not permitted access to that paperwork and I was forced to submit that same paperwork again, this time, by postal mail.

So, I submitted the paperwork to the Online group through certified mail. It has been close to three weeks since they received the paperwork and I have yet to be contacted by their online customer service as I requested.

I requested that they contact me because of the impossibility of reaching a customer service representative through their phone answering or email systems. Apparently, there are no actual human beings at Experian -- only PBXs and mail servers.

I have tried every possible means that I could find via phone or email to reach a real live customer service representative but I have yet to have any success. I have been working at this for close to three weeks and absolutely nothing.

Experian has received my identity verification and contact information twice and yet I can not get the website lock removed simply because I am unable to penetrate their security barriers to speak with a human being who can actually help me.

This problem is of Experians own making. They enabled a fraudulent breach of my credit file and now they are making it impossible for me to fully correct the problem due to their own draconian contact security structure. Its just simply amazing

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