BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Continental Finance Company, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted on XX/XX/2021 by a local number. They called again on XX/XX/2021 and I answered. The call was coming from Louisiana and when I asked her where she was located she said California. I was transferred to someone else that was telling me they were going to sue me and issue a judgment for breach of contract on credit card debt. They claimed to have attempted to serve me legal papers but I have not been served. I never received the original letter they supposedly mailed. The debt is from XXXX and now they are maki g threats

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I requested the Credit Bureaus to verify the debt of XXXX XXXX I have not received any updates of any of my requests. I also contacted XXXX XXXX directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

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 2023-06-30
Company: EQUIFAX, INC.
State: NY
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a debt collection account on my credit report. I never received any notice that this account would be reported as collection. I never received a phone call.I never received the option to dispute. I never received any written or verbal information from this collection agency. Furthermore, this account from the original creditor, has been paid in full.

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 2019-12-28
Company: JPMORGAN CHASE & CO.
State: WI
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:
Chase Credit Card refused to allow me to file a dispute against XXXX XXXX for my dissatisfaction with the goods XXXX XXXX sold me, unleaded gasoline. The gasoline was " bad '' the past 2 times I filled up at this particular gas station, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX, ( XXXX ) XXXX it caused the Engine Malfunction Light to illuminate in my car. 

I called Chase today, XX/XX/XXXX, and spoke to a " XXXX '' and " XXXX '' who refused to allow me to file a dispute on the charges of {$35.00} on XX/XX/XXXX, and {$30.00} on XX/XX/XXXX, both for the gasoline purchased at that XXXX XXXX XXXX. I explained to them that the gasoline from this XXXX XXXX XXXX  caused the Engine Malfunction Light to turn on in my vehicle two times, both times shortly after filling up my gas tank with this gas. 

When my tank got low after the first fill up XX/XX/XXXX the Engine Malfunction Light " Check Engine Light '' went off. It was off until I refilled the gas again at the same XXXX using the same pump on XX/XX/XXXX and thereafter the Engine Malfunctiom light once again became luminated. 

Chase refused to allow me to dispute either chargeand will not allow me to dispute the charges unless I, the consumer, PROVE to Chase that XXXX  sold me " bad gasoline ''. 

I don't have to do that for anything else I dispute, the gas station is no exception. If I am dissatisfied with the goods sold to me and I paid that on my credit card, 15 USC 1666i and the Fair Credit Billing Act, Section 170, I am allowed to file a DISPUTE. 

Instead the impression I got was that Chase was on XXXX XXXX side and believes consumers DO NOT HAVE A RIGHT TO DISPUTE GASOLINE, yet I do not find that exception in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My partner found a place from XXXXXX/XX/XXXX place. We started talking to a guy named XXXX XXXX through XXXX, and then we all switched talking through emails and XX/XX/XXXX We scheduled to view the place and he was able to provide us with a gate code and key lock box code. My partner and I were desperate to move in so we decided to go through the credit score check, and background check. Therefore, we provided him with our personal information such as our drivers license, and SSN. We were informed that we got approved. We signed the lease he made, turns out it was a fake lease agreement form. XX/XX/XXXX I paid him the first month of rent of {$1500.00} and the deposit {$1500.00}. Total of {$3000.00} was sent through wire transfer. XX/XX/XXXX was supposed to be our move-in date. My partner and I packed, rented a XX/XX/XXXX and went to the place to meet XXXX XXXX in person to get the key, but he did not show up and blocked our numbers so we couldn't get a hold of him. The neighbor next door popped up and said the unit has been rented already, and the people who manages the apartment is agency called XXXX, not XXXX XXXX. I called the XXXXXX/XX/XXXXagency and they confirmed that the unit has been rented. They also said someone has been targeting their property to scam people. I was advised by them to file a police report and call my bank immediately to get the transaction disputed because that was a fraud/scam. XXXX XXXX XXXX stole XXXXXX/XX/XXXX ( Real Estate ) identity to scam me. He even provided me the license number to make it seems like he is real. 

I reported it to my bank ( Bank Of America ), but unfortunately I received a letter that they were unsuccessful to recover the funds. I called my bank to get an explanation why, and they said because the scammer 's bank institution ( XXXX XXXX XXXX ) did not respond and cooperate. Therefore, my bank denied my claim and told me they're not able to re-submit the claim for reconsideration.

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 2022-01-24
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''.

I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. 
Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. 
This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed.

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 2022-01-24
Company: SN SERVICING CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX XXXX XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # 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

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 2022-01-24
Company: EQUIFAX, INC.
State: OH
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am very sorry to make another formal complaint against members of the Navient 's corporation but they are quite disrespectful towards me when I asked about my payment. You see, Navient lied about how much I have to pay per month.Consumer service rep XXXX was very disrespectful. XXXX was unhelpful about the status of my account and very rude. I asked to speak with an supervisor and she refused me the ability to speak with the manager Personally, it seems like many people inside of the Navient 's corporation do not want me to make payments towards my loan.They keep changing the payment date and the payment account. They are being unreasonable towards me and when I asked them for repayment options ... .they get very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express reduced our credit limit lowering it to just over the purchase thus causing our credit rating to be affected even though we never missed a payment on our credit history. They said it was triggered it by something sent by XXXX. They said they had the right, but reducing to so near the current balance causes chances of problems or payments to cause adverse effects to the client. Thus the business practice why used to protect themselves can have a good credit score to turn bad because of a business decision that is typically auto done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MO
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 contact the bureau about an open investigation about some inaccuracies on my credit report, they still not giving an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I want the inquiries removed from my credit report. 

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 2019-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Automated Collection Services, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have paid XXXX to XXXX through ACSI ( as of  XXXX, XXXX ) on this student loan payment ( and related garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). XXXX has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and XXXX has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.

Company response to consumer: Closed with explanation