BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Credit Associates of Maui, LTD
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted mid last year from a random number that would not advise what company they were calling from until I verified myself. I did not because based off of the fair collections act they have to introduce themselves. I then disconnected the line. I later in the year reviewed my credit report and found a collection from XXXX XXXX. I called them and asked what it was about and why they had not contacted me, the account agent then said he did. I then recognized his voice as the person who did not want to say what company he was representing. He then advised that he did not have to say the company until I verified myself, which I knew was not the case. I later advised his supervisor or my issues, who said they would review and no one got back to me. He advised that they are supposed to say the name. I paid the debt because he advised he would handle the issues. All calls are recorded is what they said and they would review. I called today and requested the same supervisor and was transferred to the agent who again stated he only told me his name and not the company. I left a voicemail for the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CAVALRY INVESTMENTS, LLC
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: Was not notified of investigation status or results

Complaint:
These accounts are reported with a lot of missing information. I would like them be removed from my report as soon as possible because it is really affecting my credit scores. I am wondering why you are allowing these kind of accounts being reporting in one 's file. This is unfair and very frustrating. Please help me out with them and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
I have requested that Experian correct my XXXX XXXX XXXX account since XX/XX/2020. I requested Experian reach out to XXXX and confirm that the information being reported was not current. Experian continues to partially investigate this account and states the previous investigation was valid when it is not. This is restarting my 30 day dispute timeframes and causing unnecessary calls and repeat disputes online. Due to this information not being investigated and updated properly, I was denied a loan in XXXX and gained two hard inquiries for no reason. I have made Experian aware of this behavior, submitted proof and called again on XX/XX/2020. XXXX is barely reporting consumer information because of the pandemic but if information from the company is submitted as proof it needs honored. Today, when I called, I was met with a generic, rude response. I am thankful that the other long term issues on my credit report have been resolved but the XXXX account needs to be updated as well.

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 2018-07-02
Company: Nathan & Nathan, P.C.
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 have received multiple harassing phone calls and received a collection letter by mail regarding a debt that does not belong to me. I have properly notified Nathan & Nathan on multiple occasions that my name & social security number need to be removed from the file because it does not belong to me. The collection account in question is not mine, does not and could not belong to me. A person who shares the same name and used to live in the same city as I is the one to whom this debt belongs. This is not the first agency to inaccurately and egregiously link information from my credit report to a completely different person. These inaccurately attributed collection accounts have the potential to cause financial harm. Nathan & Nathan has failed to respond. Nathan & Nathan has failed to remove my information from this account. Should this matter not be resolved with immediacy, I will pursue legal action to ensure that I remain whole, plus damages, in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On   XXXX   XXXX  , 2017, I contacted Sallie Mae using their phone number (  XXXX  ). I asked to be transferred to their Collection Department. I was hoping to speak with their collection department in the hopes of lowering my current monthly payment ( {$2100.00} ), which is beyond my means. I was hoping to hear options regarding how to lower, how much may be lowered, or any option available. Unfortunately I was told that the collections department could not help me until my account was delinquent. I do not understand why my account has to be delinquent in order to be provided payment lowering options. I do not wish to have my credit score, or the credit score of my cosigner impacted by letting my account go delinquent just so I can hear options to lower my payment. In short, I would like to hear options in lowering my payment, but Sallie Mae WILL NOT work with me until my account is delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Amount payed off. I request this account removed from my credit

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

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 2018-06-28
Company: JPMORGAN CHASE & CO.
State: MN
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:
There is substantial issues with my Chase Credit Card account. First I reported unauthorized fraud activity on my account and it was not resolved. I never got any claim letter in the mail to sign and return and I was told they did an investigation and denied my claim but they never sent me any receipts of the purchases or reason of their denial. second they told me not make payment till the claim was resolved and they reported late payment to the credit repots on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will not stand for them damaging my credit report for fraud charges I reported and they telling me not to make payment till the claim was completed. The balance on this on account should be {$0.00} and they should refund the fees and interest they have been charging me that were a result of fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to dispute repeatedly with Transunion regarding removal of inaccurate addresses on my credit report. I was a part of the XXXX breach and I notice alot of things on my credit report that are not mine and I am trying to clear this issue but Transunion will not update the removal I continue to ask of them. Under the FCRA I have the right to dispute inaccurate or incomplete information, I want these inaccurate addresses removed from my report immediately or I will be filing a case. 

Report # XXXX These need to be removed : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TN 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 non-monetary relief
Consumer complaint received 2021-01-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon receipt of the annual escrow account disclosure statement dated XX/XX/2020, I called Customer Service as the escrow amount was calculated incorrectly. The amount paid for property taxes for 2020 was {$1400.00}, but their calculation was based on anticipated county tax amount of {$3600.00}. 

Based on this, the monthly escrow amount will go down, not increase from {$380.00} to {$440.00}. I have contacted Customer Service on three occasions, and through the Amerisave website secure messaging twice to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previously sent a CFPB complaint about this collection agencies communication tactics, basically that this company will not transfer you to a manager and rather would just hang up on you. Last week I filed a CFPB complaint requesting validation of the account and requesting a cease and desist. Capital Accounts mailed the attached letter to me, stating enclosed is the itemization you requested, however, this letter did not include validation, but rather a blank document with the QR scanner square in the upper right hand corner. This does not constitute validation, this letter does not have the MRD Call may be monitored or recorded.. on it either, nor is there return information. I called to speak with a manager, XXXX XXXX laughed at me and stated that he doesnt believe his company did anything wrong and that I can see why my collectors hung up on you ; these are not professional statements and this manager should be fired for incompetence. Consumer request validation and your staff should understand what to do and how to mail documents. 

Pair the fact that they hang up on consumers when requesting validation and then when there are issues with the documentation they sent, you cant even get them on the phone ; this company should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I currently have an escrow account with Wells Fargo that was established after attempting to have my loan modified. I have documents from Wells Fargo during this process that stated that the escrow account would be removed if I did not qualify for the modification ( which never happened ). I was a victim of their predatory lending practices when they took over XXXX XXXX XXXX loans. I have submitted numerous complaints though CFPB regarding their lending practices, but they always find a loophole to wiggle their way out. This complaint is in regards to my property tax. I have made a formal request with Wells Fargo to pay my property tax independent from them. I am able to pay the first installment now, and will have the money to pay the second installment when it comes due. This is important to me since if Wells Fargo pays my property tax, it will increase my current mortgage payment which is already over {$5900.00} dollars a month ( at 7 % interest rate ). The representative I spoke to said that I would not qualify to pay the property tax on my own, and that they will pay it and my monthly payment will increase in XXXX. This is not fair! I feel that Wells Fargo is trying to push me out, and force me to loose my home. I'm mostly submitting this, just so it can go on record somewhere, because I'm sure like with other investigations by Wells Fargo, they will find a loophole to continue their unscrupulous practices.

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 2018-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my credit reports from XXXX, XXXX and XXXX on XX/XX/2018, I noticed a negative/derogatory line item from Portfolio Recovery Associates, LLC in the amount of {$6300.00}. I have sent two certified letters to Portfolio Recovery requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. Portfolio responded by saying that they verified the account. However, they have not shown proof of my signature. Portfolio went on to say ( in their most recent letter ) dated XX/XX/2018 " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citizen 's Platinum checking account on XX/XX/2018 for a promotion of {$400.00}. I completed the requirements and was suppose to receive the bonus after 60 days. It has been more than 90 days and Citizen 's bank claimed the offer was not attached to the account and refusing to award the bonus. I clicked through the advertisement attached. I should not be punished because the website didn't include the promotion correctly. 
They are withholding the bonus until and charging me monthly fees in the meantime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: TN
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:
Your XXXX XXXX|FlC0 REP0RTXXXX - Two Suspicious Transactions, FIagged. ResoIve By, XX/XX/XXXX XXXX : XXXX Received the above message at XXXX XXXX on XX/XX/XXXX. CaLLED EQUIFAX AND THEY SAID IT WAS A SCAM/. Wish you could catch these people ... it is scary. 

This is not the fault of Equifax but whomever is impersonating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified Letter sent to collection XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX debt. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.

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 2020-05-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has stolen my money and has held it for more than 180 days. Hiding behind their closed phone lines and the hiding behind Covid-19 as a reason to not answer the phone. Almost every other company in America is answering the phone, and have employees working from home, but not Paypal.

Paypal 's website says that i can not use paypal services anymore. I want to withdraw my funds. I have had {$470.00} held for more than 180 days. I read the entire user agreement and there is no reason Paypal should hold funds in my available balance of my account any longer. All items have been shipped out on time to buyers and any refunds have been processed months ago. Paypal removed my ability to message them and their phone lines have been closed for about 2 months. I have invoices showing that all product were obtained from valid suppliers. I have sent Paypal an email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

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 2022-08-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: NJ
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 reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still 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 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I saw the following offer in my BankAmeriDeals : Earn {$5.00} cash back on your XXXX XXXX purchase, when you spend {$0.00} or more! 
Your {$5.00} cash back is earned within 30 days after making your payment. 

ThenI added the offer to my account and made the purchased using my BoA credit card on XX/XX/XXXX ( posted on XX/XX/XXXX ). It has been more than 30 days ( as of today XX/XX/XXXX ) but the cash back has not been credited. I called Bank of America 4 times and was either asked to wait for longer or the phone call was mysteriously transferred to a random clueless customer service representative.

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