BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX 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 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I never received replacement card from American Express Serve. In order to close the account one needs a current activated card as that information is required to utilize their voice response system or website. The XXXX support number supplied hangs up if I can not supply the 4 digit CVV number which I do not have since I never received the replacement card. There is no way to get an agent on the phone. When I request a replacement card the system responds with " sorry technical difficulties ''. My ultimate goal is to close the account and get the slightly less than {$1000.00} returned to me. All avenues to do this will not work, phone or online app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection by the name of National Credit XXXX is being reported on my credit report and it seems to be the result of fraud. I have contacted the company directly and they have share they are collecting on behalf of XXXX XXXX. I shared with the agent this account does not belong to me and it's may be the result of fraud. I requested a copy of the contract to file a police report but none was given. I have also disputed the collection several times with the credit bureau and they still remain listed as verified and accurate. I have place a freeze on my credit report to prevent further fraud opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NY
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:
1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount XXXX XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Paypal Holdings, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, Company Name : Paypal Dispute transaction date : XX/XX/XXXX in the amount of {$500.00} ( Fraud transaction ) Dispute filed : XX/XX/XXXXDispute ID : XXXX Dispute description : Unauthorised transaction Initial decision from Paypal received on XX/XX/XXXX was to deny my claim After that I appealed to Paypal fraud specialist on XX/XX/XXXX, and I got this message : " Hello XXXX XXXX, We recently received your appeal for an unauthorized case that was denied. We 'll get back to you with our findings within 9 days. '' Its been more than 75 days and I have n't received any update or Credit of {$500.00} During this time, I have contacted them twice and both times they have told me that the case is still under review and will be expedited. 

Nothing is happening. 
Paypal should immediately credit {$500.00} to my account. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
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: Their investigation did not fix an error on your report

Complaint:
A previous defaulted Perkins loan due to Texas XXXX XXXX XXXX University is still being reported as in collections as of XXXX despite it having being paid off via a student loan consolidation taken out in XXXX. I disputed this early this month and the result shows an alleged updating but it is still in collections. I have separately contacted the creditor XXXX XXXX via their chat function, they have confirmed that the debt is paid.

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: Mobiloans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have never been late, aside from postponing payments but theyve always been made. I recently contacted customer service and their COVID department and explained that I have XXXX XXXX was recently exposed to XXXX. They asked me to provide the last check stub Id receive while in quarantine because I wont be working for awhile. I told them on a Tuesday XXXX XX/XX/XXXX ) I would have that on Friday XXXX XX/XX/XXXX ). They advised me I would still be receiving calls that Im delinquent which was fine but when the representatives would call they would refuse to tell me where they were calling from. Again, annoying but fine. Today I call back and I am advised that even though Im reaching out for assistance and help to postpone my payments and protect my credit with the last {$500.00} Ill have for 2-4 weeks, the representative told me I will still be required to submit a payment, as well as, if not, Ill still be reported as delinquent. 
So here I am trying to keep my credit decent, feed my family, and survive the quarantine on {$500.00} with 3 children, and Mobiloans is just concerned about getting more money from me. Theyve collected so much in fees from me since I became a customer XXXX poor choice on my part XXXX that my car could probably be half way paid off ; a total amount of fees charged in 2020 is {$2300.00}. If it were me just taking a month vacation for fun, that would be different. I didnt choose XXXX quarantine. No one did. Mobiloans feeds on the innocence of struggling individuals with no remorse.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage Loan Officer XXXX XXXX XXXX # XXXX - The loan officer information attached above, was helping me to have a loan for buying a home. She is holding my application for a month. She asked me to provide a full application and I have submitted all the needed documentation, including personal statements, and credit reports, including W2 and taxes information. She refused to offer my loan today for me on a recorded line, she harassed me to distribute my information to others, she also harassed to close my account. That is because she wanted me to tell her personal information about my family that is not included in the paperwork, and give her full statements about my food, medications, traveling, gifts, and the religious donations. She was very strict to call my name and categorize me as a XXXX where Im not. She pointed us people lives in XXXX as crazy, she was very happy to make this progress hard and negative for me. She discriminated me when I explained to her that is I need a home to live in, and she laughed at me and she told me never buy anything because I have mo money because I am immigrant. Where I am a US citizen. 

Please see attached application complete paperwork.

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 2021-10-23
Company: Experian Information Solutions Inc.
State: ID
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:
I have had problems with Experian before so I filled with CFPB so Experian just canceled my product and when I restored it they said they need all this information and proof its me. I cant even do a dispute on line. I have to call in talk to someone that doesnt even speak good English and on and on. No for the last six months my report doesnt get updated. XXXX XXXX XXXX  had to send me my payment history. Experian said its reported right and XXXX XXXX said Experian is not reporting updated information because they are short staffed so they are a few months behind. Well thats great for adding higher interest rates. What a scam. Please investigate them. The owner needs to go to jail!!

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 2022-03-10
Company: Experian Information Solutions Inc.
State: OK
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'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer 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 2022-03-10
Company: EQUIFAX, INC.
State: OK
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'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to The Law Offices of Charles G. McCarthy, Jr. and Associates for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by XXXX XXXX XXXX and Charles G. McCarthy and Associates are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the {$30.00} collection fee was paid. Finally, law office left message on XX/XX/XXXX requesting I call. The call was returned by me on XX/XX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me onXX/XX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address XXXX XXXX XXXX and The Law Offices of Charles G. McCarthy, Jr. and Associates have utilized previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on Experian and 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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I've asked to remove inquiries and a car loan that is not mine they still haven't responded in credit law they have 30 days to respond

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 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was a victim of a predatory loan and actually still am. I have tried to get Bank of America to modifiy my loan since XXXX on only wanted them to reduce my 2nd Loan that is a 9 % interest rate to current market or the same as my 1st loan which is a 3.5 %. I tried 3 times and every time Bank of America would say they could not help because the 2nd loan was from another bank and they have to follow strict guidelines and if the 2nd loan was with Bank of America they would be able to help. On XXXX XXXX I received notification that Bank of America was going to be taking over my 2nd loan which was great news because now Bank of America can finally help me. When attempting to get a refinance or modification they game another excuse. I had no choice but to file a small claims lawsuit against Bank of America, while in court the Judge was in my favor in poor practice however the reason the Judge dismissed my case without prejudice. Is because Bank of America representative expressed that my modification process was still active and not closed. I informed the Judge that was not the case however I had no evidence to prove that. I called Bank of America modification department and received confirmation that my modification was closed on XXXX XXXX, XXXX and which showed that Bank of America lied in court. I will be re filling again my lawsuit against Bank of America with evidence and proof of there lying

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 2017-11-02
Company: WELLS FARGO & COMPANY
State: TX
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:
I applied for a credit card with Wells Fargo and was approved. When trying to activate my card my cell phone was not compatible with Wells system. I do not have a land line. 

I went through an extensive underwriting process to get approved, they have all they information they needed in order to approved my credit worthiness. 

With no compatible phone number my account was sent to their Fraud Unit. I was then asked to go to a local branch with my drivers license. This I did. However, when I got to the branch, presented my ID and called the Fraud Unit they requested additional information such as my utility bill, etc. All of these bills are in my husbands name. 

This is discriminatory against me for being a married woman. What do I have to do go buy a new house under my name? 

I 'm infuriated with this process.

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 2017-11-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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:
In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.

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 2019-08-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant and repeated calling everyday including weekends and holidays! Same woman from XXXX Florida! On one Sunday alone she called 6 times! Morning noon and night! I am 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 non-monetary relief
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They intern responded to the dispute. confirming the bankruptcy stating the the information was provided by the US BKPT CT MA XXXX I intern wrote the US BKPT CT MA XXXX confirming their procedures in regards to bankruptcy records, with which the responded confirming the DO NOT supply these records to the credit bureaus ( see attached ). 

I then sent a copy of this letter from US BKPT CT MA XXXX to each of the credit bureaus, along with a letter identifying the mistake they had made and requesting its removal from my account They have continue to refuse its removal

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