BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the middle of processing of getting loan from another institution and move away from and XXXX  XXXX  thief SLS ( Specialize Loan servicer LLC ) Corona made everything late overdue and XXXX a long time to process paperwork After government ban banks and mortgage servicer from evict and foreclosure on peoples home These monsters send a creep to Put a sale date on my door Sale date is for XX/XX/21

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 2017-06-20
Company: Clarity Services
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
CEASE CREDIT REPORTING I CHOOSE NOT TO MAINTAIN A CREDIT FILE UNDER  F.C.R.A. 15 USC 1681a ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: MI
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 balance transfer

Complaint:
On XX/XX/2022, Citi ( XXXX XXXX, SD ) applied my overpayment of {$12000.00} on my Citi Card to the amount in Citi Flex Plan ( 8.99 % APR fixed ) before applying the overpayment to the amount from the balance transfer offer that expired XX/XX/2022. The overpayment covered the amount from the expired balance transfer offer and was exactly {$12000.00}. When the balance transfer offer expired on XX/XX/2022, that amount became subject to a much higher APR than the 8.99 % APR fixed.

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 2021-09-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX  ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ), I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-03-12
Company: Action Collection Service
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received letter XX/XX/2022 in the mail with name of company clearly printed on envelope stating they were a collection agency. Per the fdcpa, this is implying the presence of a debt with anyone besides the debtor. This is a violation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.

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 2020-04-23
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Radius Global Solutions LLC trying to collect an alleged debt that I do not owe. Attached is a copy of a letter that I sent them.

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 2017-06-20
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account numbers XXXX and XXXX, have both violated my rights. 

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 an account without my written instructions.

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 2022-09-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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 XXXX XXXX XXXX  Account numbers XXXX and XXXX, have both violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I applied for a new credit card at XXXX XXXX XXXX and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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

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 2022-09-08
Company: WELLS FARGO & 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:
Several accounts tried to be opened that was not me and 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Auto Acceptance, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I signed a agreement with XXXX XXXX to fix my credit and experian. They would send me credit applications for credit cards I did not get qualified. 
I had several other things that were not fixed on my credit either The report was false and I lost out on several ways to fix my credit due to the hard credit checks

Company response to consumer: Untimely response
Consumer complaint received 2017-09-01
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I 'm XXXX in debt with navient and my interest rate keeps increasing I ca n't afford to pay this back plus I 'm in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The owners of business # 1, myself and my wife, were in the process of buying business # 2 in XXXX. We completed this process in XX/XX/XXXX. Last year American Express ( AmEx ) authorized a " pay over time '' feature for Business # 1 's AmEx. Business # 1 informed AmEx their balance would get substantially higher due to attorney fees and other fees related to purchasing the new business. AmEx informed B # 1 by phone that this was fine and there was no limit on the card, and even tested a $ XXXX transaction saying the test transaction was not declined. In XX/XX/XXXX B # 1 informed AmEx it was closing on B # 2 and would only put a few more expenses on the card, then begin paying the debt down via the " pay over time '' feature which was given. In XXXX, XXXX, or XXXX, AmEX suspended the " pay over time '' feature, causing the B # 1 bill to spike from $ XXXX $ XXXX to $ XXXX. Before the payment was due, I called AmEx to explain that we would not be able to pay the $ XXXX, which were transactions after the unannounced " pay over time '' feature. AmEx said to wait until the payment was due, then call customer service to re-explain the situation. Since XXXX of this year, B # 1 has been making small payments to AmEx and seeking smaller payment plan options without closing the account. The problem would never been a problem if the " pay over time '' feature was n't removed. That is the single reason payments became delinquent. AmEx explained to me that the feature was removed as " protection '' for me due to the credit bereau 's reports about my high credit to debt ration. I said it did the opposite and made it impossible for me to catch back up. As of XXXX XXXX, I told AmEx I needed a payment plan without closing the card, since the only reason we fell behind was due to the " pay over time '' feature being suspended. I told them I could make larger payments which still were smaller than the minimum amount due if they would n't close my card. AmEx could not offer any guarantee that they would not close my card. So I am stuck in a situation where I can continue making payments all without the guarantee that they would not close my card. If they close my card, it hurts my credit and lose over 70k of rewards points attached to the card. On top of this, I have another account with AmEx for the new business where payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Im sick of this. This is causing me so much stress and anxiety! My XXXX XXXX is shooting through the roof! Lets just take this to court! I just wrote a very lengthy message here and it did not saved it. Explaining me to contact the ale departments at chase bank that have lost my money to my creditors! Im getting voicemails on XXXX when they are not supposed to be working! Its a game to them. My utilities are going to be cut off! Being out on hold for hours. Calls being disconnected. Managers blowing me off. On-site bankers, managers, and presidents not doing anything about it. Just stating that they have a language barrier with their own fraud and online departments. Dropping my calls back into the customer service line, being hung up on multiple times when asked if I could hold while they connect me or get more information! Chase is purposely not wanting to take any responsibility for my account being hacked into and money lost that was taken out of my account to go to my creditors. They never received being told they will need to take additional money from me! Me paying my creditors twice with my own money due to chase not taking any responsibility! It has caused so much stress and XXXX XXXX! I am also XXXX I cant take it anymore! They all have been very unprofessional rude! And blowing this whole situation off! I need someone to help me make Chase bank accountable for their whole lack of responsibility and actions. Calling me on XXXX when I was told the executives dont work nor are they supposed to work on XXXX! So why are youll calling me with bogus unprofessional voicemails on a Saturday! THIS IS MY SECOND COMPLAINT! DUE TO THEM WASTING TIME AND BEING UNPROFESSIONAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a townhouse located at  XXXX   XXXX   XXXX ,  XXXX   XXXX , NJ. This property is part of  XXXX   XXXX .     The Master policy covers all insurance required by a mortgage company, i.e. all inside walls proof of this insurance has been provided on many occasions to  Loan Care   XXXX  by myself,  XXXX   XXXX  and the  Insurance  agent.      Loan Care  has ignored all of these documents and has placed lender forced insurance on my mortgage that is not necessary.

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 2022-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Every XXXX, I am charged an XXXX fee. This time I have been charged {$60.00} for {$15.00} worth of transactions, and this money was available on the account. The charge was presented to the bank on XX/XX/2022 and returned on XX/XX/2022 and I was charged XXXX XXXX on XX/XX/2022. First, the money was available when present and when the XXXX was charged. I want a refund and a transaction log on my account showing the time, date, and balance in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently viewed my credit report and noticed XXXX XXXX XXXX is reporting an alleged debt. The company XXXX XXXX XXXX is reporting a collection account that is NOT mine and is inaccurate. I've contacted Experian, have yet to receive a response.

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 2022-02-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-09-25
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I updated my homeowners insurance on XX/XX/2020. The annual amount I owe for homeowners insurance went from {$940.00} to {$810.00}. I called in to get this updated on The Money Source website ( a XXXX subsidiary ) the week before XXXX of XXXX. It has now been a literal year, and despite multiple emails, phone calls, several uploads of my declarations page ( with both the Money Source and the third party company who handles their insurance that I have been sent to, and spoken with, multiple times ), as well as XXXX XXXX, the vice president of Customer Experience and there is no change. I'm incredibly dissatisfied because I am being charged money I do not owe. After speaking with XXXX XXXX, she told me XXXX would have to send her an updated policy, but I have already requested this of XXXX, and they have sent me a copy each time, which I then uploaded each time to the Money Source, but they continue to pretend each time that it has not been received, IF I get a response from them at all.

Company response to consumer: Closed with explanation