BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, my account was compromised. Someone sent themselves {$410.00} & {$580.00} 2 transactions. The name was XXXX XXXX. 
This was not authorized by myself, I realized this a day later, when I was trying to remove money from an atm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The bank I am filing a complaint against is Chase Bank. 

I opened a checking account in early XXXX to setup and capitalize on a promo they had with new checking accounts. All of a sudden ALL my accounts were locked and I was unable to access any of them. I call to find out what happened and they told me it was flagged for fraud and they closed my checking account. I was fine with that, I can open one in person if I needed to. THE ISSUE is I can not access ANY of my accounts anymore cause of the fraud lock. I have called them MULTIPLE times over the last couple weeks and get transferred around multiple times waiting on hold for over 45 minutes each time. XXXX XXXX XXXX  XXXX. They need to hire more people or have other options of fixing this & at least tell me how. I've wasted countless hours on hold for these idiots till my cell phone dies or I just have to go cause I have a family to attend to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I continue to receive harassing phone calls from a creditor/collection agency ( Midland Credit Management ) that calls me at all odd hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
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 was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX   XXX {$730.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Credit Collections Services, Inc.
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
We have a debt by the local clinic that was sent to this company. They repeatedly called during our work hours then when we called back after work they refused to tell us the name of the company. This was a huge red flag because of scam calls. They decided they would then send our debt unknowingly to us to court. When we called to try and settle they said the amount we could pay wouldnt be suffice and they were going to wage garnish me and my husband for MY debt. This debt is solely mine and per the fair debt practices they are not even allowed to wage garnish my husband in the state of South Dakota for XXXXY debt. Over the phone they were unresponsive on working a deal. I went into the company and have a recording of what happened. We agreed my husband would withdraw his XXXX to place XXXX towards the debt and pay a monthly payment of XXXX XXXX They agreed to this. They did not stop the court from wage garnishment even after we made a payment. My children did not have a XXXX because we spent the only money extra we had to them. This is poor practices and frankly I feel like this was a cruel thing to do to a family especially after an agreement between the company and us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
In XX/XX/2023 we requested a payoff quote which was given verbally over the phone and we were told it was good through XX/XX/2023. We were also told we would receive a letter verifying the payoff information. This letter was never received and we mailed a check through our bank bill pay to the mortgage company. The check was processed and never cashed as it turned out that we were not given the correct address for mailing the payoff. We stopped payment on the check and reissued the check and the bank sent it to the correct mailing address. Again, the check wasnt cashed and we had to stop payment on the check. It turns out that the funds had to be issued by certified check or electronically BUT NO ONE during the many phone calls advised XXXX of this. We received an overnight envelope a few days after the payoff amount expired with the first check, instructions for completing the payoff which had to be certified or electronically issued funds. Now we are late with the payoff and our mortgage payment which caused us to have to go to the bank to complete the transaction and pay almost XXXX more due to the incompetent customer service people at Truist Bank. They were the worst mortgage company we have ever dealt with. We would like the original payoff payment honored and the overage of the second payoff refunded. 
We have paid our mortgage 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 2019-12-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was due on XX/XX/XXXX but money I transferred to the account that this payment is pulled from was not received until XX/XX/XXXX. I called and was told to make the payment online which I dd, yet I have received several notices in the mail indicating that I still owe XXXXXXXX XXXX payment. 
I called and asked why the web site indicates that I have paid the money but the money is still in my checking account and under the " Next Payment Due '' section it still shows XX/XX/XXXX. Received a new statement in the mail two days ago showing the next payment is due on XX/XX/XXXX and the correct mortgage amount BUT noticed that they added the same fee which I already paid to the total amount due. 
Tried calling customer service, spoke to another supervisor who was no help today. Spoke to a manager and customer service rep on XX/XX/XXXX. No one is listening or helping. Could it be a glitch on the app or website? No one will acknowledge this possibility yet they want to take more fees from me. No way to send a message to Mortgage Support even though you can type in a box like this ... do they really want to hear from customers?

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 2023-06-30
Company: EQUIFAX, 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:
I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More Experian, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to XXXX years in prison, in addition to civil liability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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:
On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XX/XX/XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried on several occasions to contact Navient about problems that I either have with how they have handled my payments, fixing issues with my back account information, them taking multiple payments from my account, or taking extremely long times, such as 14 days to process payment from debit card payments from payments made over the phone, only to get dropped from queue or to get the run around. I have been kept on hold for 45 minutes, only to not have any of my issues resolved with them. They do not make the repayment process easy at all. Not to mention, I have been paying on a XXXX dollar loan for 10 years, only to have the balance just now be at XXXX dollars! It only takes 5 years to pay off a car! Navient are loan sharks and crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion ha d two glitc hes in their system where inquiries were removed from the credit report betwee n  XX/XX/XXXX  and  XX/XX/XXXX  and again in  XX/XX/XXXX  . They did not notify me about adding them back onto my credit report within 5 days which is required by The FCRA rules. I called and requested to speak to United States Representative and I spoke to  XXXX  who claims to be a supervisor in special handling. They have been known to say that consumers were not affected by the glitches and that is exactly what she told me. I know that I was affected by the glitches in the system and there are inquiries on my credit report that should not be there.

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 2019-12-30
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a email notice that my Credit Score had a change and to review for accuracy. When I looked a XXXX, XXXX and XXXX, I saw that a debt collection had been added to my file causing my credit score to drop from 750 's to XXXX. 

When I reviewed the issue it appears that the debt collector is Phoenix Financial Services and is a medical bill. Of note, I have NEVER received any notices, bills, demand statements, calls, texts or emails regarding this issue. 

I sent an email to Phoenix Financial Services requesting documentation as to the validity of this debt, to which they have not responded. 

Should this be my debt, I have always maintained health insurance which would have surely notified me of any outstanding non-payment of services. 

I have excellent credit and pay all my bills ... this irresponsible gesture has hurt my credit report with no communication whatsoever from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Atlantic Recovery Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I got a call and a voicemail from Atlantic Recovery Solutions,  specifically a woman who identified herself as XXXX XXXX. Before I was able to call her back, she had called my wife, my mother-in-law, my sister-in-law, and my father. My wife called me and told me that XXXX XXXX had asked her to verify my information to give information about the reason for her call. I called XXXX XXXX back at the number provided to my wife. XXXX XXXX told me that she is managing an account originating with XXXX XXXX. I told XXXX XXXX about details and she became irate. I asked XXXX XXXX why shes asking my wife for information and giving my wife information. XXXX XXXX told me that there was an account in collections that was paid for a year and then it stopped. I asked her for details and what account funds were paid from. She said that she would report the recording to her client and they can decide how they want to proceed and hung up on me. I called XXXX XXXX because she identified them as a creditor. They said that they are unable to find an account and this seems like a scam. XXXX  rep XXXX told me to report the interaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer 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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I purchased a car from a car dealership on XX/XX/2019. I financed the car through XXXX XXXX XXXX  for the loan. I received a title in the mail in XXXX from the DMV showing 2 liens listed on the title - mine ( XXXX XXXX ) and bank of America. I contacted the dealership several times and was told this would be taken care of and check with the DMV in 2 weeks. Over the past few months I have contacted the DMV several times and they do not have a lien release for bank of America. The dealership is now ignoring me and stated they are no longer owned by previous owner and cant help and bank of America says they cant help me because its not my account and the account is still " active ''. The dealership should have paid off any lien with the funds XXXX XXXX sent them for the car and the title should only show XXXX XXXX as the lien holder. I am stuck with a car right now with 2 liens and don't know who the other belongs to. I was never told about any previous liens when I purchased this car and chose to purchase through a dealership to avoid situations such as this. I feel as though this is fraud.

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