BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was offered Kroger Rewards Prepaid VISA from Kroger through my Kroger Rewards App and I accepted. Im not sure of the exact date I received it but it was a few weeks ago.Shortly after I activated the card, put money on the card.The card was locked. I called Kroger to find out the problem and they said I need to verify my identity.So I did exactly what they said and faxed my information and they said they couldnt read it. I faxed a second time on XX/XX/2019.They couldnt see it even though I got confirmation.So on XX/XX/2019 I faxed another copy of my information. I called and they said they still couldnt verify anything. I have seen lots of complaints about people having the same issue.It feels as if they want me to just give up my money. Ive been dealing with this for a couple of weeks now and I dont believe that I will get my money back.These faxes are costing me money out of my pocket to get my money.

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 2018-01-20
Company: U.S. BANCORP
State: IL
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:
XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.

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 2023-08-04
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i would declare this loan off my credit report i called XXXX to remove this loan off my credit report and i would not like for Acceptance insurance to give me a call. Its dropping my credit score due to them saying im not making payments & i am. I would like for the loan to be took off my credit and like my title. I also signed some things without permissable purpose of the consumer report which is in 15 U.S Code & 1681B which is against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chase Auto called me at XXXX XXXX  XXXX and threated me. 
XXXX Ext XXXX Just to refresh Chase bank memory of Law Under act 15 U.S. Code 1692f - Unfair practices ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX ACCOUNT XXXX after reviewing your reinvestigation I noticed some violations On my credit report that you claimed that you had verified there is a lot of incomplete information that is reporting look at the payment history on this account starting from XX/XX/XXXX you are reporting ok all the way up until you get to XX/XX/XXXX and XX/XX/XXXX it starts going to unknown states YOU CAN NOT DO THIS PER THE FCRA ALL INFORMATION MUST AND SHALL BE REPORT 100 % CORRECT You can not report information like this per the FCRA I HAVE ASKED YOU FOR MONTHS TO DELETE THIS ACCOUNT BUT YOU KEEP COMING BACK SAYING YOU VERIFIED THIS ACCOUNT IN WHICH YOU DIDN'T I'm asking you to delete this account permanently or if you plan of doing another dispute I'm going to need from you is a payment history starting from XX/XX/XXXX - XX/XX/XXXX from the creditor But this should 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 explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which XXXX charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of XXXX  and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you 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 2023-03-04
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchased a {$200.00} XXXX XXXX gift card. Went to XXXX to make a purchase in the amount of {$190.00} and it was declined. I called the gift card company and they told me that there is a limit and I can only spend {$100.00} of the available {$200.00}. I asked to speak to a supervisor and the supervisor told me that XXXX is not an approved merchant. I informed him that this is a universal XXXX XXXX  gift card and should be accepted wherever XXXX XXXX is accepted. He told me that I was wrong and that he would send me a list of approved merchants. He never sent me a list of approved merchants and I read the terms and agreement on my gift card and there is no such limitation of the amount or list of approved merchants. It states the card can be used wherever XXXX XXXX is accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: WI
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:
I had a XXXX altima XXXX that was totaled in XXXX and was paid off with wells fargo and never received difference for the gap insurance. 
And why I am I not part of the lawsuit with wells fargo. 

Thank you, 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 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
company called Serve sent an AMEX card with bank account and routing number. I did not request this. This kind of marketing or solicitation presents a risk to consumers. It's deceptive and misleading.I still do not know why I received this. No live human is available to answer. i want the account closed.

I would attach a copy, but it has account info on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honest of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: IL
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the last six months, two automated payments scheduled from my account at a third-party bank were returned. These payments were intended for Carrington Mortgage Services , LLC . and were returned due to nonsufficient funds ( NSF ). I resolved the first immediately. The second was created by issues with the third party bank. Upon attempting to resolve the second returned payment, without disputing its occurrence or associated fee, Carrington has informed me that I must pay using only means that have an additional cost to me. The options are certified funds and for-fee money transferring businesses. Carrington is not responsible for the issues that occurred. However, the corporation 's malfeasance in its actions and its negligence per se have caused me harm and undue financial hardship. Under GA Rule 80-11-6-.02, Mortgage Servicing Standards, any person who services a closed-end mortgage loan ( " servicer '' ) shall act with reasonable skill, care, and diligence. Furthermore, fees shall not be charged to arrange repayment or facilitate routine borrower collections. By forcing me to utilize limited, fee-based options, I assert that Carrington Mortgage Services has failed in its responsibilities under the law and acted without reasonable care and diligence in my attempts to resolve a debt. Lastly, Carrington Customer Services representatives sought to restrict my access to claims resolution by engaging in misleading business practices such as withholding information and access to solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Theyre currently reporting my account as 30 days past due when in fact it is not. Ive also asked that they stop calling my cellphone numerous times a day, but they still call at least 3 times and it has caused me to be more stressed than I already am dealing with my current financial system. The calls are harassing. I want my account status updated and all communications through mail or email ONLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: DISCOVER BANK
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:
DISCOVER BANK is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MI
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 previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted MIDLAND CREDIT MANAGEMENT many times trying to get this debt removed thats bringing down my credit badly. They have failed to respond and I would like that debt removed off my credit.The credit amount is false and I never took out credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: AMERICAN EXPRESS COMPANY
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: Problem with balance transfer

Complaint:
Hello, I requested a balance transfer of {$600.00} from one of my American Express ( Amex ) cards to my XXXX XXXX XXXX ( XXXX  ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with Amex on their chatting system. The XXXX said that it can not be processed on the day ( XX/XX/XXXX ) and the Amex said that they did not receive any request from the XXXX XXXXXXXX XXXX. So I cancelled the balance transfer with the XXXX and told the Amex about the cancellation - I first requested an adjustment of the amount transferred but XXXX said that it is not possible, which leads to the cancellation and another balance transfer. However, on XX/XX/XXXX, I was aware that it had been processed. {$600.00} was transferred to the XXXX. That is, both balance transfer were processed. 

I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the XXXX XXXXXXXX XXXX side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same day. I chatted with lots of people on the America Express side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
Back in XX/XX/2019I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late  payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I filed a complaint about Eastern Account Services, a debt collector, to the CFPB. My complaint case number is XXXX. On XX/XX/2021 the CFPB sent me a response from Eastern informing me " Eastern Account System has ceased all collection activity per your request '' and closed the complaint. This afternoon, XXXX XXXX from Eastern Account System, called me about this same debt that is not owed. He claimed he has no notes in his system that they dropped the claim. I forwarded to him the case response I received from the CFPB. 

Please contact them and ask them to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ENOVA INTERNATIONAL, 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 did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( Net Credit ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to XXXX  about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: PA
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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