BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2021-11-18
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Stating from 15 USC 1692a, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from 16 CFR 433.1 ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2017-04-26
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's  on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
- On  XXXX   XXXX ,   XXXX   an over-payment of {$2700.00} was made to my  Chase United Explorer  Credit Card - On  XXXX   XXXX ,   XXXX   I requested a refund check in the amount of {$2700.00}. I was told  by Chase Custom er Service the check would be issued and I would receive it in  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to check on the status of the check. I was told the check had not been issued and that it would be issued, and I would receive it within  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to inquire on the whereabouts of the check. I was told it had been issued, mailed on  XXXX   XXXX ,   XXXX   and should be received in  1-2 days.     XXXX   XXXX   XXXX ,   XXXX   I called at close of business ( approx.   XXXX   XXXX    PDT )  as I had not yet received the refund check in the day 's mail. On this call I was told by the customer services representative that a total  of three ( 3 ) ch ecks had been issued on the following dates :  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX , respectively. Further, I was told that a fourth check would be issued and to expect that check within  7-10 b usiness days. During this call, while not understanding the logic nor rationale being presented to me, I decided to cancel the account to help expedite the receipt of the refund check.   - It appears that while Chase can accept my on-line payments withi n 1-3 business d ays, the reciprocal process is not available to its customers. I am left with the conclusion t hat Chase was delaying the refund in hope  that I would use the credit card and therefore lower the amount owed to me.   - Your help in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I faxed to TJX Mastercard Synchrony Bank a signed and notarized Power of Attorney document so that I might settle my mother 's outstanding debt. My mother is suffering from XXXX XXXX and requires additional health care. I am trying to settle her debts so as to free up funds to support her additional health care needs. TJX Mastercard Synchrony Bank will not accept the POA document and continues to request my personal information including my social security number and date of birth. As I am not legally responsible for my mother 's debt, there is no legal reason for requesting this information and hindering the settlement process. By not accepting my POA, they are purposely worsening my mother 's credit. I sent additional information regarding my address on XX/XX/2019. TJX Mastercard Synchrony Bank continues to ignore the POA and my requests to settle my mother 's account. No other credit card company has requested my personal information. They accepted the signed and notarized POA and work with me to settle my mother 's debt.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 

15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2017-06-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank does n't send information quick enough to  XXXX  app. That 's my money. No excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX unknown XXXX. Missouri Department of Chld Support

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 2017-04-26
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 XXXX data breach and may have gotten into hands of the wrong person.

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 2021-11-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account was opened under my name at TD Bank. So far I don't see anything else being opened as such and no funds are missing from my account. I was able to call TD Bank and get the account closed. It seems this was opened on XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After being a customer of  BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In  XXXX  of   XXXX  , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until   XXXX   XXXX  , not BMO, let me know that I had missed a payment and my scored had dropped by  XXXX  points.     I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute.     Before filing the formal dispute, I went into a   BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO.   They have some serious work to do from a customer service perspective.

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 2017-04-25
Company: JNR Adjustment Company, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We rented a car from  XXXX  via our insurance company. After the rental, I received the bill on  XXXX  which had multiple errors. As per  Fair Credit bi lling act, I responded the company in written mail on  XXXX . But the company failed to acknowledge my letter in 30 days so I also sent email on   XXXX   XXXX   on their email address (  XXXX  XXXX  XXXX  ) which they ignored as well. Now they sent bill to debt collector and they are telling me to pay in 30 days.     Total Amount Charged : {$650.00} Total Paid so far : {$590.00} Amount pending : {$43.00} I sent them following mail : There are 2 errors in this billing :  1  ) {$20.00} amount per day is invalid, when we rented the car on   XXXX   per day rate was {$18.00}. If {$20.00} is valid per day rate, Please send me proof of document which I signed on   XXXX   which says {$20.00} per day.      2 ) Invoice  got invalid time of return, we returned the car in morning around  XXXX  on  XX/XX/2017   , which basically counts to 28 days of rental but they charged for 29 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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: Public record information inaccurate

Complaint:
I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you

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 2017-04-25
Company: Synovus Bank
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I had only made  one or two purc hases on the credit card. Then a few weeks later I noticed the credit limit on it was all gone. And I had not made these purchases. I have proof because I do not have the receipts for them. You can check the camera where the card says I bought it. Or you can check with the cashiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
- Paid off loan in XXXX or XXXX of this year ; Hyundai Motor Finance immediately cashed the check. 
- Called and asked for the title to be sent to me in late XXXX, never received title - Called in late XXXX to ask for title and was told the title had been lost in the mail - Received lien release letter dated XX/XX/XXXX and was told to take the lien letter to the local DMV - Tried taking to my local DMV but the DMV requires the actual title - Called on XX/XX/XXXX and spoke to XXXX ; was told that my title was returned to HMF on XX/XX/XXXX ( which means that the title was not lost in the mail - that was a lie ). XXXX said it would take 5-7 business days to mail- Called on XX/XX/XXXX and spoke to XXXX, who said said they had not sent the title or even opened the email asking for it and was not willing to transfer me to someone who has access to the title - Emailed XXXX requesting urgent and immediate assistance - Called XXXX XXXX XXXX XXXX XXXX XXXX who signed the lien letter, asking for help and left a voicemail

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 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The statement shows a 30 days past de in the month of XXXX to XX/XX/XXXX and XX/XX/XXXX. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK XXXX ***** Openede Date : XXXX XXXX, XXXX Balance {$1000.00} CAPITAL ONE ***** Opened Date : XXXX XXXX, XXXX Balance {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I'm writing because I have a private student loan held by Aspire Servicing Center ( XXXX XXXX XXXX, IA XXXX ; XXXX ; Customer Service : ( XXXX ) XXXX ). I have asked for a 6-month forbearance and 0 % interest rate until XX/XX/XXXX, because of COVID-19 stay-at-home orders in my state ( California ) and county/city XXXX XXXX XXXX. My request was refused on XX/XX/XXXX. The refusal response to my request included this information : The loans we ( Aspire Servicing Center ) service are not federally held ( owned by the U.S. Department of Education )  and do not qualify for this relief. 

Please, would you fight for private student loan relief? 

I'm sure there are many people in this country with private student loans who are suffering like me. For those of us who are unemployed, furloughed, or are paying bills on reduced hours, please stand up to greedy companies like Aspire Servicing Center before people, en masse, default on their private student loans. 

Thank you for all that you do for the working poor like 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