BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received hundreds of emails from First Source Advantage and unlimited spam calls ; i have tried to block them but still getting harassing calls and emails on top of pandemic XXXX and XXXX XXXX issues.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MN
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:
When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple inquiries without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-26
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called and asked procedure to have pmi removed previously, was told on the phone once its paid down to 80 % just call and request. When I called back to request was told I had to pay for a new appraisal. My home was appraised at XXXX when purchased I have paid balance to {$160000.00}. I sent a letter in writing stating I have reached the below 80 % range in addition sent copies of current XXXX which is now {$250000.00} and copy of current XXXX which shows {$260000.00} All payments have always been up to date, insurance kept up, taxes kept up my loan is eligible to have pmi removed and the mortgage company refuses to remove it unless I pay through them a {$600.00} appraisal fee. The property is well kept and worth well over the original purchase price. I have submitted proof and have requested pmi be removed in writing Its my understanding that is the process and the pmi should be automatically terminated but my mortgage company Roundpoint Mortgage Servicing Corporation refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Chase Visa payment to be automatically debited from my bank account. This payment was deducted from my checking account but not remitted to Chase by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Chase customer service who advised me earlier that this payment would not be negatively reported to the credit bureaus but I've discovered recently that it is being reported late. I have been a very loyal customer of Chase for over 15 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Chase for the fault of another financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after XX/XX/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 2017-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I do have financial hardship paying my bills fees is not something that help me with my balance Cfpb should hard on credit cards and their redicilous fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX and Trans Union. In a previous CFPB complaint against XXXX XXXX in regards to 30 days late was resolved by XXXX XXXX ( complaint number XXXX ). They agreed to amend the credit and submitted the request to the three major bureaus. Additionally XXXX XXXX sent me a letter indicating the same. XXXX & XXXX removed the 30 Day XXXX XXXX derog almost immediatly ... TransUnion is still showing 30 day late ... In fact they even show it as a duplicate. This is wreaking havoc on my personal credit for anything tied to Trans Union. I have credit monitoring and the TU score is nearly 50 point less as a result. My car insurance was affected now as a result.

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 2020-10-08
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a Discover account in XXXX. I had a single late payment ( not 30+ days late ), and they closed my account in XXXX. The account was open for around 12-13 months at the maximum. Discover sent me a notice saying that they were closing my account in XXXX. At that time, I submitted a complaint and did not receive a satisfactory response. Fast forward to today, and I filled out a " pre approval '' form for a Discover account. I received a message that my approval was denied due to the " status '' of a current or previous account. Knowing that my account was never seriously delinquent and was paid in full, I messaged Discover to see if I could figure out the issue.

After over one hour chatting with Discover, I was told that my account status reflected a 148 day past due status. That is simply not true, and there is something in their records that is factually accurate. The chat representative refused to take my complaint, refused to escalate me to anyone else, and disconnected the chat without resolution.

Specifically, I need to know why my account reflects a 148 day past due status when I was never even close to 30 days past due. I also would like to know why I have been declined for credit incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BCI FINANCIAL CORPORATION
State: CT
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 XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and Experian shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for Experian and XXXX shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on Experian and XXXX shows {$9.00} but XXXX show {$0.00} 4. The day active date for Experian was XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2017-09-28
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy.

If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX   Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX.

Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: LA
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:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHT AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization of a public extension of a credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a " credit card '' under 15 USC 1602 ( l ) which states ; the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Notice, Congress said " ANY '' card ; which is MY SOCIAL SECURITY CARD. This is the credit card used to originate every consumer credit transaction listed above. Remove them from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) immediately as you are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Shortly after being approved for and receiving an XXXX Credit Card by XXXX XXXX, it was blocked and placed in a restricted state. They did not at any time notify me that there was any problem, I found out when scheduled charges were getting denied. 

After many support calls and literally hours on the phone with people absolutely refusing to tell me what was wrong, I found out that they had marked me as pending deceased. I was not offered any way of proving that I am alive other than waiting for them to investigate further. 

Eventually I was connected to their fraud department and they requested copies of my personal bank statements to prove that I am not dead, which I find highly irregular and personal. To this date, my card is useless and I have no idea when they will finish investigating my supposed death, who is investigating me, or even why. 

Chat support says I have to talk to phone support. Phone support says I have to chat support. Nobody will take responsibility or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. XXXX XXXX filed a fraudulent foreclosure in the Fourth Judicial Circuit in and for XXXX County Florida case  no. XXXX. 
2. The case has fraudulent Notes, Assignments, and  Complaint because the Complaint is notarized the year before it was even made. 
3. The court gave a default judgment to the Plaintiff that does not exist.
4. Another department of XXXX XXXX XXXX XXXX says the note and mortgage this is attached to the loan number on my house is not in their system, so they do not own it.
5. This has been told to court but they refuse to listen because they are stealing properties from the American people and making millions of dollars. 
6. Attorneys are working with the judges and clerk of court aiding in the theft of properties using the name of the banks and trust.
7. I have a letter from the Plaintiff stating that a REMIC Trustee can not file foreclosure on a property. 
8. XXXX XXXX assignments were intentionally left out of the case showing ownership and break in the chain of title.
9. The Mortgage statute of limitation on lawsuits is being ignored.
10. These USC 18 Section 4 felonies reported to judges and sheriff are being ignored.
11. The SEC securities Fraud being committed by banks is being ignored.
12. The IRS tax evasion by courthouses is being ignored.
13. Identify theft creating new loan number without authority to do so.
14. My home is set for an unlawful sale XXXX XXXX 2017.  This property theft in progress is being reported to you.
15. FDCPA violations created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any  written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. <P/>Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. <P/>I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I opened an account with Wells Fargo. I transferred {$25.00} from another bank and deposited a {$200.00} check in person on XX/XX/XXXX, transaction # XXXX XXXX. Unfortunately, I am not able to access my account online through the app, or by phone rep. I have also not received my Welcome Packet. This makes it impossible to make a direct deposit in time to qualify for the {$300.00} promo offered online at the time that I opened the account.

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 2021-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Experian.com consistently ( years now ) has my credit scores listed on their site as being 30-50 points lower than they actually are ( high XXXX vs actual of XXXX ). These higher scores have been verified individually, through my banks and through credit checks for renting and a mortgage. I believe that they do this to entice me to buy their services to raise my scores. This is infuriating and I'm pretty sure illegal. And I'm sure they are getting other nervous, unsuspecting people out there freaked out that their scores are low and they need help when they actually do not. This is an absolute scam using our false credit scores as marketing tools for their services.

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