BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
After receiving my credit report, I noticed inaccurate information being reported on my credit file. ( XXXX XXXX XXXX  ), ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, Experian, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.

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 2017-10-04
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I am a struggling single parent who lives in the state of Georgia. I received a payment for child support in the amount of {$910.00} on XXXX XXXX, XXXX. I was told of the child support office that am suppose to receive an Eppi Card. I waited on the card for several weeks and of course the card never came because they sent it to the wrong address. I usually get my money direct deposit so I did n't understand why I 'm receiving a card in the first place. I went back and forth between GA child support services and Eppi Card for about two months. I finally get a child support rep on the phone who tells me your money has been deposited on the debit card and your going to have to deal with them. I call Eppi Card and they swear I 'm not in there system this goes on for weeks. I finally get a rep on the phone who asks me about previous addresses. I told her about an address that I lived at 12 years ago. She gets me over to a supervisor who tells me to fax over my social security card and GA license. I send over the information on XXXX/XXXX/XXXX. I was told to wait 48 hours for my information to be updated. I waited and contacted Eppi Card, I was told by a supervisor to send the information again. I do n't have a fax machine so I 'm spending money at the local XXXX XXXX everytime I send a fax. I send the information again XXXX/XXXX/XXXX. The information gets updated and a card is sent to my address. I open the card and try to setup a pin number to activate the card, " your information you provided is invalid ''. I try again and get the same error. I speak to a representative who tries with me and get locked out of the account which means I have to wait 24 hours. I wait and try again.. samething. I speak to another rep who sends me another card ... same problem. I am currently unemployed and depending on this money to pay my rent and utilities to tie me over until I can find employment. Rent time is coming up and if I do n't have the money me and my children are homeless. I let them know why I need this card to work. I call everyday to no avail. I speak to a rep XXXX/XXXX/XXXX who tells me he 's sending another card. My rent is due and they are still sending cards that do n't work ... this will be the third one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has a Promotional Block on my account, so when I recently applied for a Home Equity Loan my report came back with little to nothing on it because of this block and I was denied credit. 

I have called them twice XXXX do n't remember the dates ) and was told it would be removed. I have sent three letters XXXX XXXX, XXXX, & XXXX ) asking them to remove the Promotional Block. The first two times they told me it was removed, yet it remained. The last time they asked me to be  more specific ... I 'm not sure how more specific I can be by asking them a simple question to remove the Promotional Block! 
I first noticed the Promotional Block after the denial of credit when I requested a copy of my credit report and they sent me two copies. One with everything as it should be and one with hardly any thing on it and that 's when I noticed the line File Blocked For Promotional Purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I accidentally filed wrong claim for this transaction. 

Transaction ID : XXXX Transaction date : XXXX XXXX Transaction amount : {$120.00} USD Recipient email : XXXX I did not receive item for this transaction and I'd like PayPal to reopen this case. I talked to the merchant and apparently he/she does not want to ship the item because his/her PayPal account was limited and unable to withdraw the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Conn's, Inc.
State: NC
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:
bought a tv from conn 's XXXX XXXX in XXXX nc around XX/XX/XXXX XXXX it hasnt been 30 days XXXX the item is already having issues. i tried to fix this with the store XXXX headquarters. the store is not willing to refund me the money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.

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 2017-10-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Estimated time of Federal Banking Misconduct involing Chase Bank/Chase Mortgage is 12-months. Chase Mortgage has utilized unfair and discrimnatory practices in order to 'solicit, entice, and force ' the Mortgagor to refinance a Mortgage whose fixed-terms are less than 8-years to complete payoff. The first tactic, on behalf of Chase Mortgage, began in XX/XX/XXXXby sending the Mortgagor unwanted, unrequested, and dubious joint written and verbal communication regarding refinance offers which had an offer expiration at the end of each month ; Often written communications would be sent via XXXXdelivery requiring signature as it were a serious legal matter, turning out to be nothing more than 'aggressive solicitation '. Further, after each written solicitation, verbal voicemail messages were left by Chase Bank Mortgage finance division. In XX/XX/XXXX Chase Bank did 'unlawfully ' manipulate, block, and lock online access to Morgagor 's mortgage statement which had been accessible and linked with other financial products held by the Mortgagor such as credit cards, checking accounts, etc. Subject blocked and locked mortgage financial data 'purposely prevented the legal Owner ( Mortgagor ) from viewing accurate payment posting, balance due without calling to speak with the same department involved in the agressive solicitation. Also at issue is the Mortgagor receives a 'real-estate property tax bill ' each year along with Chase Mortgage and has 'pre-paid ' this amount in full ; Thereby forcing Chase Mortgage to place said funds in Escrow and preventing future 'scam corporate advances ' to the Chase Mortgage account. Summarily, blocking online access to Morgagor 's Chase Mortgage statement is akin to placing funds in a bank account and not be permitted to see the 'consumer product for which one is paying ', with a goal of PAY-OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
After trying to sell my home for 5 years, I finally moved renters in XX/XX/XXXX to cover most of the first and second mortgages. In XXXX of XXXX, they moved out and I have fallen behind on 7 months of payments for the 1st mortgage and HELOC. I have a buyer for the home. Rushmore Loan Management Services has my HELOC, so in XXXX they had an appraisal done on the home and asked the realtors to reduce their commissions and send a new closing statement. We did all that. Rushmore 's  appraisal came in at {$550000.00}, My contract to sell is for {$550000.00}. NOW Rushmore says no we are not going to let you sell the home, you have to just let the first mortgage foreclose, we will NOT sign off. They have put me through months of stress and I am a senior. Do I have any recourse since they are forcing me into foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Allied Collection Services, Inc. (Nevada)
State: NJ
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:
I had a collection appear that I wasn't familiar with. Investigation proved that it was a XXXX  account that was being utilized by my cousin, that I did create but never had a problem with, and he passed away. His wife used the account for a year and when she couldn't modify the account she let it go and did not advise me. Allied Collection assumed the collection. I contacted them and explained the situation and they were understanding. On XX/XX/XXXX @ approx. XXXX XXXX I spoke with XXXX who stated that the collection would be removed in 30 days. XX/XX/XXXX the collection was still posting so I called @ approx. XXXX and spoke with XXXX who stated that it would be removed in 30 days and well send you a deletion letter within the day or next morning to my email. XX/XX/XXXX @ approx. XXXX XXXX  and spoke with XXXX, who stated they sent it to the wrong email, Ill receive the letter by the end of today or next morning. Today XX/XX/XXXX I still have no deletion letter and for some reason the phone number is going to voicemail. I'm unsure of the operating hours, but it was XXXX XXXX. I have no trust that this company will delete the collection or send me my deletion letter so that I may dispute the collection myself. Please help. I attached notes and the Credit Report page showing the collection

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 2017-10-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to put a credit report freeze with Experian on XXXX/XXXX/XXXX. They sent me a a message that they could not grant the freeze based on the info that I provided. Neither XXXX nor XXXX had any problem granting the freezes with my information. They said I could up-load the XXXX documents required for my identity. I tried to up-load but they said they could not process the up- loads and to mail the documents to them. I mailed them on XXXX/XXXX/XXXX. I have had no response. I tried to call them on XXXX/XXXX/XXXX and went through their menu on my phone. They responded as though I had made another request for a credit freeze which they said was granted and that they would e-mail me the required PIN. It is XXXX/XXXX/XXXX now and I have not received the PIN.

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 2020-09-16
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I have had four American Express cards for two years now with an impeccable record with no late or returned payments. 

This month, two payments were made erroneously to an old bank account on file which was no longer open. I contacted AMEX to cancel the payment and they didnt, this resulted in a returned payment. 

On XX/XX/20, my cards were closed due to the single returned payment even after explaining the issue and having it notated on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I received a debit card in the mail from Square. The card is issued by XXXX XXXX. I never created a business account with Square or XXXX XXXX  and neither company has telephone support to handle issues relating to fraud or identity theft. I've tried multiple times to access their support and am told that, because I'm not an account holder and don't have a " customer number '', I'm unable to get assistance. This is the third " XXXX XXXX  '' where an account has been opened in my name without my permission, probably using stolen information from the dark web. Every other bank or company has had live customer service people to talk to that have dealt with the issue quickly, but Square and XXXX XXXX  make this virtually impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
have told them that I will pay once I receive the money from the buyer to settle this debt

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 2022-04-06
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased XXXX XXXX XXXX, XXXX, OH XXXX, on XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX  XXXX, who transferred the mortgage to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  then transferred my mortgage back to XXXX. Each time the mortgage was transferred, I provided proof of paid taxes and insurance. Since purchase, there has been NO ESCROW on my mortgage. In XXXX, XXXX transferred my mortgage to FAY Servicing, and FAY Servicing began billing me for escrow. I have mailed FAY Servicing my insurance declaration page, had my XXXX XXXX agent send my ( paid ) insurance information, I've FAXED my paid insurance documentation, emailed it, and verified via my online account that FAY Servicing has received my ( paid ) insurance documentation. Now FAY Servicing is billing me for escrow and late fees for not paying the insurance escrow which I don't owe. My mortgage has never had escrow. FAY Servicing has verified to me ( by phone, multiple times ) that I do NOT owe escrow, and yet they send me escrow bills ( + interest ). I object to XXXX 's transfer of my mortgage so many times, and to FAY Servicing trying to add escrow & late fees to my mortgage when none is owed. Despite numerous calls and document submissions, this issue has continued unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
State: SC
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 sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease ( XXXX/XXXX/XXXX ) UNTIL first late payment ( XXXX ). So .... from ( XXXX ) to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} ) x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} ( amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
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 submitted a complaint on XX/XX/2022, and it's now XX/XX/2022. It is now past the 30 days in which to respond. I submitted proof of my incarceration and my identity theft reports. At no time did Experian temporarily block the fraudulent items until the furnisher responded. I showed proof that I was not even able to apply for anything. Someone clearly used my identity. Please see complaint XXXX. Which has all the proof associated with my complaint. At this point, my rights are being violated as a consumer under the FCRA. Since my identity has been used Experian should have acted immediately to protect me the consumer, the way that XXXX and XXXX both removed the fraudulent items.

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