BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requested a full history of my payment since i brought the car. I don't understand the interest, principle and how its working. I spoke to someone over the phone a few months ago and they were trying to make sense of it to me. I still wasn't understanding the calculation. I went into the dealership where i brought the car and they looked at the information i had and said they could not figure out how the company is computing the amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference numbers XXXX and XXXX. Department of Veterans Affairs account : XXXX and XXXX Consider this notification that I am disputing this debt with the US Department of the Treasury for {$65.00}. XXXX and {$72.00}. XXXX. This amount was for a co-pay that was improperly billed to me. As a XXXX XXXX XXXX member, there is no co-pay. The XXXX XXXX XXXX HAS received payment for the dates of service. A co-pay and resulting interest was negligently sent to me and should be expunged according to the Federal Trade Commission. Failure to do so can result in a FTC complaint and " Notice of Penalty Offenses '' up to {$50000.00} per violation ; my case has two instances which would total {$100000.00}. 
Please find a Copy of the VA Inspector Generals complaint that has also been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNTS THAT ARE ON THE AFFAVADIT THAT I WILL ATTACH.

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 2023-03-27
Company: EQUIFAX, INC.
State: TX
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2021-10-18
Company: Real Time Group, Inc.
State: NY
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on REAL TIME RESOLUTIONS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed from 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 explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and XXXX XXXX this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20

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 2020-07-14
Company: CREDIT ACCEPTANCE CORPORATION
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:
This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and Credit Acceptance this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20

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 2023-03-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding my JPMorgan Chase account ending in XXXX. 
On XXXX I tried to perform 2 Balance transfers to my XXXX cards. One for {$1500.00} XXXX to card ending XXXX and One for XXXX to XXXX XXXX ending XXXX. After over 2 weeks, I called on XX/XX/XXXX to see why my Balances hadn't been transferred. At that time it was disclosed to me that the transfers in question went to the XXXX XXXX where I don't have any accounts, it was further disclosed to me that it would take " Up to30 for them to review my Claim ''. I called again on the XXXX of XXXX to see where in the process the claim was, and was told the 30 days had not passed yet. I called on XXXX to confirm the 30 days had passed and I was due the credit back into my account-including Balance transfer fees and any other potential accrued charges due to their error. During that call, I was informed that yes the review process time had expired and the agent was happy to process my refund, and unfortunately, that will take up to another 7 days. Today XXXX, after being transferred several times I was told by XXXX. XXXX in their Missouri office that " Your claim is still under review ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: OH
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:
Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this 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 explanation
Consumer complaint received 2020-07-14
Company: Freedom Mortgage Company
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX/XXXX/XXXX We 've stolen our a merchant credit/debit card machine ( attached by police report ) by robberies. 

XXXX/XXXX/XXXX We called to report for Bank of America Merchant Service that fraud transaction total is {$95000.00} and they credited it back to account. 

XXXX/XXXX/XXXX The Bank of America Merchant Service charged fees that is {$1800.00} and called them to ask about it. They will investigate it and check it. After that no response. 

XXXX/XXXX/XXXX XXXX : {$7100.00} First, Received a phone call to charge back from Bank of America Merchant Service Collection Dept. and they said that we have to pay {$7100.00} for multiple charge back and fees. They did n't give any solution it and called a BOA merchant service to figure it out what is going on and they made case no. XXXX. 

XXXX/XXXX/XXXX We called again to BOA merchant service collection Dept. and gave increase amount that is {$9800.00} and then we asked why is more than before. An agent said that more charge back and gave another security Dept. # with a special agent said to refund only {$1500.00} credit back to account. 
We talked her why fraud transaction total amount {$95000.00} for charge back to us {$9800.00} then she said that gave back to us only {$1500.00} amount. 
She only said that they can do only for credit {$1500.00} back amount and she did n't explain well and not understand to refund the full of amount we got charge it back.

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 2020-07-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I receive 3 notifications yesterday in the evening that a dispute was resolved with Experian. I never placed a dispute. My credit score has been in the upper 700 's. When I pulled up my credit monitoring is showed a dispute # XXXX, which again, I never placed. It also would not the results, it indicated I need to contact the Dispute Department. After literally 7 people, 2 rude, disconnected and transferred numerous and put on hold and an automated voicemail picks and states they are closed. I called this morning and spoke XXXX, XXXX, XXXX and lastly XXXX ( extremely rude ). All could not help me, no reason, just that they could not provide any information pertain to this, I asked what do I do, no response but asked if there was anything they can assist with. Yes, I want to know why my credit dropped 29 points in an hour with no reason. No one can provide an answer. 
I have XXXX XXXX XXXX, spent over 3 years rectifying my credit My score has never been below 700 until now, with no reason or explanation. 

I can't get this resolved. It won't show me on my report and no one at Experian can provide assistance or is willing to help me. NOTHING has change on my Behalf. I would d like to place a lawsuit for deformation of character, getting so upset, my XXXX XXXX skyrocketed..

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 2020-07-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I received a notice that my city property taxes for XXXX had not been paid. Since then I have contacted the mortgage company twice monthly to get this resolved. I have been told that my concern was in the research dept, I spoke to a representative in the delinquent tax department, XXXX, and she confirmed the taxes had not been paid. She requested I forward an up-to-date statement through their website of what was now owed to include all late charges and penalties. It was confirmed through a a different rep ( when I called again on a later date ) that they did in fact receive it. I have been told that the check is being processed ( that was a month ago ), I again called and the rep was no help. I am in the process of selling my home, the XXXX taxes are due next month, XXXX, may name has been put in the paper for delinquent taxes and I need this to be resolved ASAP.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with wellsfargo and I was charge unfair fees and lots of times money was freeze

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX 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 2021-04-13
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX collections XXXX date of service XX/XX/2021. I have not opened any account with XXXX XXXX. I tried to contact compsny which was unable to give me any imformation. Filed dispute. My credit score had come down due to this. XXXX collections have added this amount. Called XXXX XXXX. No knowledge of me. I need this solved as soon as possible. They are crooks. I was on the phone waiting for someone to answer for 40 minutes so evidently they are doing fraudulent activity to collecg from people who do not owe. I have no knowledge of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, INC.
State: NV
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 recently requested a monitoring service and noticed several accounts I did not open. 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,

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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I got paid for my XXXX XXXX claim and as soon as I got paid someone did an unauthorized atm withdrawal without my debit card and took all my money that I need to put food on my table. Ive never let anybody use my debit card and has always been safe in my wallet with all my other debit/credit cards so someone did debit card fraud on my account without using my card. Ive only ever used the debit card at the Bank of America located in XXXX ca to withdrawal the money and transfer over it to my other bank but when i went to do that on XX/XX/XXXX the money was already gone I really needed that money but Bank of America says it will take 90 days to investigate but I dont have 90 days I need my money right now

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 monetary relief
Consumer complaint received 2019-03-26
Company: Tribal Lending Enterprise, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I payed XXXX on a XXXX dollar loan

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 2021-01-24
Company: Goal Structured Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter From Launch Servicing LLC in regards to loans that I owe. I never requested or had a loan made with this company. I did not know this company existed. I am afraid that this will effect my credit score and that this is the start of fraud on my name, and I am trying to stop this because I never made this account with this company. I have never heard of this company, and I looked up this company but it requires my social security to access the information. I do not want to provide my SS because this could be a scam and if I enter my SS they will have it and can make purchases that I have not made under my name. 

Here is the name of the business : Launch Servicing , LLC XXXX XXXX XXXX XXXX XXXX, SD 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 2020-07-14
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
During the last week of XX/XX/2020 I received a promotional mailer from Citibank offering me up to XXXX bonus miles if I opened a savings account with a minimum of {$10000.00}. The $ XXXX amount would entitle me to XXXX bonus miles if I deposited it within 30 days of opening the account and left it on deposit for 60 days. I deposited $ XXXX on XX/XX/2020 and added {$3700.00} on XX/XX/XXXX. I expected the bonus miles by no later than XX/XX/XXXX but did not receive them. I called on XX/XX/XXXX and they opened an escalation file on my claim, I received a letter from them on XX/XX/XXXX stating that the requirements for the bonus had been satisfied. As of XX/XX/XXXX I had not received the miles so I called again, was on hold for over 30 minutes so I hung up tried again on XX/XX/XXXX. Agent I spoke with said the miles should have been awarded and she thought they would be on XX/XX/XXXX. 

Tried to chat on line 3 times yesterday but a live agent yesterday but after waiting 5+minutes I disconnected. Chatted today and agent told me to call 1-800 number. As of today, I have not received the bonus miles.

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