BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-25
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX for XXXX title loan car not paid off This Company ( XXXX ) calls us 7 days a week for XXXXto XXXXXXXXat night blowing up our cell phones an this person will not stop this is in violation of the Roth act in California. There is no doubt we owe the money. 

But bugging us with phone calls will not get the money any sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards with the information on my credit report and it has been well over 30 days and i have note received any information about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 4 late payments on my credit reports due to incorrect reporting. The late pays are for XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 120 plus days late. I have been trying in vain to have these updated and  removed to no avail. On XX/XX/XXXX I had a live chat with a NELNET representative who looked into my complaint. He agreed that there is an error ... he stated there was an error. The late pays should not be on my record. I was told previously that they would update from their end ( Nelnet ) but nothing has been done. I have filed claims with all three credit bureaus but to this day nothing  has been removed. 
I have a copy of the transcript. These lates have prevented me from getting a car and finding a different apartment. they are causing a lot of problems for me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have, on numerous occasions, reached out for proof of late payments. They have yet to provide any valid, verifiable verification. They dont provide any response whatsoever unless its from a CRA ; which is also questionable.

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 2018-08-07
Company: AMERICAN EXPRESS COMPANY
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports a months ago and I notice an account was reporting that I was not aware of, I then reached out to the company. I requested proper validation that is 100 % accurate according to the FDCPA and FCRA. Nothing was provided for on each occasion. All I received was a print out of a debt that is said to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
My rights were violated in accordance with 15 USC 1681a 2b. There are 9 accounts that are fraudulent this company repeatedly ignored, and were left on my credit profile. I have sent 5 certified letters requesting that this information be removed. This has caused me a great deal of distress, as it has caused me to be denied employment, housing, transportation, business, and various other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved in 2015, then I was automatically placed in collections, which I paid. I was never notified of the ability to dispute the debt and never given an opportunity to have the debt validated by the company. Now it is a paid collection account impacting my credit adversely. I have tried to dispute the debt, and haven't received any response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/2014 a fraudulent check was deposited into my account for XXXX I have since then tried to dispute it but no changes

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 2021-07-13
Company: Paramount Capital Group, Inc.
State: CA
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 have a loan account with Paramount Capital Group that originated in XXXX of XXXX. The loan terms were on a monthly payment basis for a fixed ( minimum ) amount that would span for a duration of 5 years. During the XXXX  year, the monthly payments were made on-time. At the start of the XXXX  year, the COVID-19 Pandemic caused a major disruption in the work force ( causing many people to pause- or end- working ), including my particular work industry. As a result, during the month of XX/XX/XXXX, it was initially reported that I became late on the monthly payments ( but not delinquent on the monthly payments ). After some major " push-back '' from telephone representatives that wouldn't allow me to speak a supervisor at Paramount Capital Group about COVID-19 Hardship options to have the late payments removed from my XXXX, XXXX, and XXXX  credit reports, I continued to make monthly payments and I continued to contact the customer service department at Paramount Capital Group ( about COVID-19 Hardship options to have the late payments removed from my XXXX XXXX and XXXX  ), but ( on numerous occasions stemming from XX/XX/XXXX to XX/XX/XXXX ) the customer service representatives gave me the strong impression that they were insensitive to my COVID-19 Hardship request to have the late payments removed by being very dismissive and inconsiderate ( even after the discovery of the 5-year loan account being " paid-in-full '' with a {$0.00} balance 1-year after the reported first late payment ). PLEASE KNOW, I never stopped paying on my loan account and within 1-year after the first reported late payment, I paid the loan account " in-full '' with a {$0.00} balance after recovering from the harsh hardships from the COVID-19 Pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I sent {$400.00} to my mother via American Express Blue Bird prepaid card. She wasn't a customer at that time, but upon receipt of an email, she followed the directions and set up an account. She input her PO Box and her physical address. 

We patiently waited for her card to arrive. To this day, it never did. About a week ago, I tried to contact the Blue Bird customer service number, but couldn't speak to a live person through any prompts to have this issue resolved. Today, XX/XX/XXXX I finally had to create a XXXX account to ask @ XXXX. They told me to call and not put in any account information and push 0 until I got a live rep. So I did this, with my mother on the line with me. They refused to send the money back to my account, stating that the money had 'already been accepted '. They offered to express mail a new card for a {$20.00} fee. When we stated that we would not do that, they stated that they would send a new one. The problem with this is that her physical address is listed as her mailing address as apparently they ' can not mail to a PO Box '. My mother has no other address to use. ALSO, she can not update her address without the card number being activated. I have tried to get them to place the funds back into my account, but they refuse. They told us to have her sign on and transfer the money back to my account, but guess what?? You can't transfer funds unless you have activated the card. 

I want my money back and they won't give it to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: PA
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:
Under the FCRA Equifax, XXXX, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Under the FCRA XXXX XXXX, and TransUnion are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.

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 2020-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX am assisting XXXX XXXX XXXX in writing this complaint for review : I am having a very difficult time with SPS. We have submitted an all cash offer to SPS. In XX/XX/2020 SPS told me that appraised value from a walk through is {$710000.00}. Then in XX/XX/XXXXduring a global pandemic with COVID 19 SPS is stating the appraised value went up to {$710000.00}. That is mathematically impossible and does not reflect the current market that is still shut down from COVID. The apprised value should of dropped a bit or at the most stayed the same. So I am dealing with an over inflated appraisal that is not accurate. It does not actually reflect the repairs that are needed to make this property livable for the new homeowner. By California State Law under the Bureau Of Real Estate I am required to disclose the repairs that are mandatory for this property. The repairs are to make the home livable and to remove the 2nd story patio that is a major hazard. These repairs are required for safety and health reasons. These are not upgrades the buyer is requesting, but required repairs. I can not stress that enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX  XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : 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 2017-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I believe that Chase has improperly applied payments to my credit card in the wrong order. 

This has happened twice. I had a promotional balance of some thousands of dollars at XXXX % interest, and an purchase balance of a smaller amount for about XXXX %. When I made a payment, Chase split the payment according to the percentage owed so that not all of the purchase balance was paid off and accrued interest. According to the XXXX of XX/XX/2009, XXXX Chase ought to have applied my payments first to the high-interest balance, then to the XXXX % interest balance. 

I should add that the clarification relating to deferred interest payments does not apply in this case, because I was also not anywhere close to the last XXXX billing cycles preceding the expiration of the deferred interest period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased tickets to a live showing of XXXX on XX/XX/XXXX from XXXX XXXX XXXX website. The purchase amount was {$1600.00}. 

As the COVID pandemnic began to spread, shows were being canceled. My showing on XX/XX/XXXX, was the 2nd day of shows and was canceled in the first wave in XXXX XXXX XXXX. I received an email from the merchant on XX/XX/XXXX notifying me of the cancellation and stating I would receive a refund in 2-4 weeks. After 5 weeks went by with no refund, I contacted the merchant who offered no specific, measurable comments on when I would receive my refund, only that it was still in the works and to please be patient. The merchant ( 2 separate individuals on the call ) repeatedly asked me to not file a dispute with my credit card company. With such lacking promise, I filed a dispute with Citi for the purchase. The dispute was working it's way through the process. 

On XX/XX/XXXX, I received an email from the merchant stating that they have adopted a " new policy '' and instead of a refund, would now credit me with 120 % of the purchase price. I emailed the merchant and explained this was not acceptable, they could not change the terms and conditions after the sale and that I still expected a refund. I attempted to call, but they were at this time not accepting phone calls. 

Citi denied my dispute, and I appealed that denial by providing evidence of the documents received from the merchant offering a refund, then rescinding and stating a new policy and their offer for remedy. Citi again denied. I spoke with the Executive Office team member again to explain in detail how the merchant can not institute a new policy more than 6 months after the purchase date and finally was told they will take that into consideration and review again. Once again, Citi denied my dispute with generic language that did not address the failure to provide the promised refund, nor the new policy they attempted to institute. This came in the form of a letter attached to an email. At this point, my calls are no longer being returned by Citi and the merchant will also not speak with me due to my dispute. I have neither accepted or used the credit from the merchant, nor received my refund.

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 2021-07-13
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
EDD had to verify my identity back in XX/XX/2020. They advised Bank of America to freeze my account until I verify. Ive verified my identity with them on XX/XX/2020. My account is still frozen with $ XXXX still on the card almost one year later. I keep getting the run around with both companies.

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 2019-03-27
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX, I have been trying to modify my loan with Flagstar Bank. I have sent them THOUSANDS of documents. On my last call in XX/XX/XXXX, I mailed and faxed EVERYTHING the gentleman XXXX  instructed. 
When I called him back, he tells me FILE INCOMPLETE. I said WHY? And he said I must explain all deposits over 500.00. I asked him, WHY DID YOU NOT ASK ME THIS THE LAST TIME? He admitted that he was in error. 
I then sent them those bank statements. I call today to follow up and he says FILE CLOSED. I do not want to work with him any longer. I have sent them insane requests that they have asked for, and they are doing NOTHING to try and help me. 
Please help 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 explanation