BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the XX/XX/XXXX I called my Citi classic card because I noticed that on my credit report it stated that the card was closed. I have never received a letter or notice I was only 7 days late on the card my due date was on the XX/XX/XXXX of every month. I use this card for rentals. I have been in good standards for the past 9 months. I was disputing charges with XXXX over a rental which was XXXX plus tolls. I didnt get a chance to even hear back from them yet but I did already call. I did call my card and spoke with a rep because this has never been a issue before and to close my card after a week of being late and reporting it as negative on my credit plus with still owing a charge is ridiculous. Its a pandemic. They told me that they could do that. I said well I have been in good standing for 9 months straight you couldnt even give me a break to figure this out if my name was XXXX XXXX or XXXX or XXXX I can almost bet that the conversation would have went a different way and outcome would of been different. No one reports a credit card closed after 1 missed or late payment not even if it is a secured card.

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 2022-10-04
Company: Entrata 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: Report provided to employer without your written authorization

Complaint:
Entrata INC has ran my credit report twice without my consent. 

First on XX/XX/XXXX XXXX on XX/XX/XXXX I was told by the leasing company that they wouldnt run my credit report as a guarantor of a lease and then a week later I get a credit inquiry. 
I called the leasing company and apparently they by mistake ran my credit report instead of someone elses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is the fax I sent to the Commercial Acceptance Company who has been repeatedly harassing my house with repeated calls To whom it may concern : For the past year your company has been harassing my mother who is now deceased and now the calls are continuing by being left on the answering machine because I am a XXXX XXXX and never home. 

Your representatives or collection agents are always looking for a XXXX XXXX or a XXXX XXXX who possibly had this phone number years upon years ago the phone number is XXXX My name is XXXX XXXX I live here at XXXX XXXX XXXX in XXXX Pennsylvania XXXX. 

If you want proof of that please send a self-addressed envelope to that above address and I will enclose a copy of my XXXX phone bill proving to your company that there is no XXXX XXXX or XXXX XXXX in any way related to that above reference phone number Furthermore I want your company and all of its Representatives or collection agency to cease and desist all further phone Communications to phone number XXXX immediately or I'm going to start a lawsuit against your company for harassment If you wish to speak to me my cell number is XXXX you can reach me at that number anytime to discuss this matter Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I used cashier 's check from Chase bank For XXXX XXXX that Arizona gentlemen did not Cash that day. I went back to XXXX Chase bank to cancel {$2000.00} check ( my name is XXXX XXXX ). 
I got my $ $ $ put back into my account then six days later Arizona guy cashed check & Chase bank looks at me like I'm on XXXX XXXX. Motorhome has no engine no door. Owner broke his promise about moving motorhome to fix it cause he never showed up.Meanwhile I purchased a XXXX later on oil mixed with water which someone intentionally did.Since Engine was fine from gecko it ran on get and everything. XXXX XXXX XXXX in XXXX XXXXXXXX CA XXXX I believe is behind lots my fraud that's going on my account. They enjoy popping fireworks everytime I show up see my blood son. 
Always trying intimidate me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During my investigations into a fraudulent withdrawal, I discovered erroneous billing through my credit card. I had booked a trip through a travel agent and paid with my credit card for {$4300.00}. There was an existing balance of about {$4000.00}. Later on that week. I had made a cash payment on the credit card for {$4600.00}. However, I recently discovered that Wells Fargo did not charge my card, rather issued a cash advance. My payment of {$4600.00} was allocated to my purchases and not my higher interest rate cash advance balance. This error increased my interest charges unfairly and outside of the scope of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus 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 2020-09-04
Company: EQUIFAX, 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:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report fromXX/XX/2019XX/XX/2019, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: PA
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 accounts have violated my rights. 

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  ) 15 U.S.C 1681 Section 602 A. States I Have the 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 2022-04-27
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This conventional interest only loan was originally 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXX, Nationstar and Mr. Cooper. I applied for a loan modification with Mr. Cooper after a car accident caused a brain injury in XXXX, 2014. At the same time that the loan was being sold so many times, there were property damage claims for a roof and other hail damage that were paid by XXXX XXXX XXXX. These checks were signed by me and sent to the mortgage company that currently serviced the mortgage at that time. The total of claims were approximately {$19000.00} and the checks were never returned to me so that I could pay the contractors who completed the work. 
I believe that this was a conspiracy to defraud me by XXXXXXXX XXXX XXXXXXXX XXXX, Nationstar, Mr. Cooper and the investor to bring about the foreclosure of my property. I have uploaded proof of my attempts to recover the claims funds from the servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute. Lender should not be able to get away with defrauding people in this manner. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
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: Account status incorrect

Complaint:
XXXX bank/XXXX  is showing an open account on my experian with incorrect balances and wrong dates.

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 2020-09-04
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out an on-line loan application. Based on the quote, I authorized them to pull my credit report. The quotation was 2.875 % for 30 years, with a loan cost of {$1600.00}. I then was instructed to call them to finalize the application. When I did XXXX XXXX ( XXXX ) of AmeriSave Mortgage Corporation said the 2.875 % 30 year mortgage loan would cost {$17000.00}. This is clearly a bait and switch operation. Please shut this fraudulent operation down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.

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 2019-11-05
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: Investigation took more than 30 days

Complaint:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I found accounts on my report by XXXX XXXX XXXX I wrote all three bureaus and and XXXX   deleted one of the accounts I sent a letter to validate the ac oytns snd proof on who they were I never got back a answer now it's 60 days still nothing and they will bot delete these accounts from my credit They are on all three credit bureaus for collections This company is showing two accounts that they will not validate or show any proof od who or what they are

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
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: Old information reappears or never goes away

Complaint:
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
My complaint is with XXXX XXXX and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with Capital One which was farmed out to XXXX XXXX for collection. I had paid off 2/3 of  the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen XXXX has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and XXXX XXXX  called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes  later with XXXX XXXX usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which Capital One credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe Capital One, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a XXXX percent XXXX veteran. I am trying to pay off my daughters student loan. The interest keeps changing and I cant keep up with the monthly payments. I pay {$300.00} a month every month. The payment is made on the XXXX th of the month. The company information is below. 

Hessa - NJclass XXXX XXXX XXXX XXXX, PA XXXX. 

Since my daughter didnt qualify for a federal loan she was forced to take a private loan. Since student federal loans are being forgiven why cant private loans be forgiven too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: BARCLAYS BANK DELAWARE
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:
Updated payment bank account within online portal almost a month before my next payment was due. Thought I was okay until I received a NSF fee from my old bank. Called Barclay  to find out what happened. They told me I was on autopay, and updating my bank account doesn't change the autopay ( What does it do then?! ) and I needed to snail mail a letter with my bank account information requesting the update. With all the fraud and identity theft issues going on in this day in age, who in their right mind is going to put that information in the mail?! Now I'm stuck with a {$35.00} NSF fee from my old bank, a late fee + interest from Barclay cc, and my first ever late payment, thereby affecting my credit. ( My first EVER late payment on any account! ) The representative was no help, and told me they are not responsible at all. When I tried to speak with a supervisor she told me there is only one and she's out and will have to call me back. Still no call back ... ... Let 's face it. They will never call me back. That piece of paper she wrote my number on went straight in the trash. She already told me they don't care, it's my fault. So upsetting.

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 2017-08-09
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been receiving multiple phone calls since XXXX 2017 from Receivables Performance. At all hours of the day & night. The calls sometimes started at XXXX or XXXX XXXX & have n't ended after XXXX XXXX. These phone calls are on my home phone & cellular phone. It has caused me unnecessary XXXX. I NEVER received a letter from this company I only found it on my credit report when trying to find out who these people we 're. I also searched on the internet for the phone numbers they we 're calling me from. They also call from a foreign number which has three to seven digits & they made me go through lot 's of thing 's in order to have them identify themselves. I have been repeatedly stalked by different men through the years so, naturally I assumed it was someone from the past trying to find me. I got very scared to the point I had difficulty sleeping due to the XXXX. Most of the time the person calling is a robo call or in the rare occasion it is a person they will only say their first name. I have blocked their phone calls for a while but, sometimes they get through on other phone numbers. In one day I bet I was called at least 10 times. I got very tired of dealing with these people. It grew quite frustrating. Acct ending in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer, disputed this debt in XXXX of 2020 withXX/XX/XXXX XXXX XXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief