BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX  ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.

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 2020-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
During the hardship of millions of people due to the Corona Virus situation. Citi Simplicity Card, ( Address XXXX XXXX XXXX, XXXX, Arizona, XXXX ) does not answer or respond to consumers. Consumers are left on hold for hours and if you finally get through the line is disconnected and there is no call-back. This has been happening between the dates of XX/XX/XXXX through XX/XX/2020.

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 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since the last 8 months I am being charged a monthly fee on my Bank of America savings account.     I have been Bank of Ameri ca Checking account customer for almost 22 years and have had a Savings account sin ce around 10 years. I have never had a monthly fee charged for these years excep t the one  they started 8 months back.     I visited the  XXXX  BofA branch today (  XXXX / XXXX /  XXXX   ) and I was told that the fees are charged as I did not meet the conditions of my account. But when asked, the br  anch manager could not produce the original agreement I signed with these so called conditions.
They are doing a bait and switch. A condition get put on my account without any notification to me of the same. Instead of producing the paperwork and accepting there was a change in account requirement, the manager is questioning me why I did not come earlier. This is looting in broad daylight - ready to stiff even a long tenured customer!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: BMW Financial Services NA, LLC
State: GA
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:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE NOT GOTTING ANYTHING BACK AFTER TWO TIME

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 2022-09-06
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a debt notice from XXXX under reference number XXXX. I have tried to make this payment, but can not create an account under XXXX. It tells me I have no prior documents with them and therefore I am not a patient. Therefore I can not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber home loan has not operated nor practice the federal and state guidelines concerning our mortgage modification. Since XX/XX/XXXX of XXXX we have submitted loan modification application and paperwork time with the assistance of a housing counseling XXXX XXXX. 

The property was tax except since XX/XX/XXXX due to me being a Veteran And a First Responder from the World Trade Center. 


] A. This information was provided to them in late XXXX B. There was numerous communication to change the mortgage payment and they never adjustment. 
C. XXXX had submitted the modification request for a lower payment in addition to removing the taxes on the house. 
D. Caliber waited until the eviction mandate had lifted and filled paperwork by XX/XX/XXXX th to have our house up in sheriff sale. Our XXXX representative had submitted the paperwork and was told that the loan modification department is working from home and has been backed up for some months and is currently updating the system. but this did not stop them from trying to put our house up for sale. We later receive mail that they received our application and currently reviewing it. Our Biggest problem is that the amount that is listed as owed is about XXXX dollars more than the actual amount. They had calculated the payment of what is owed with the taxes included. Caliber was supposed to notify the sheriff and their third party to remove the house for the sale but currently it is still listed with a sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX HAS BEEN CALLING ME FOR 2 MONTHS ABOUT AN ACCOUNT I DONT HAVE NEVER HAD AND THEN STATED EACH TIME IT WAS AN ERROR ON THEIR BEHALF AND DISREGARD THE CALL AND OR LETTERS. NOW IM RECIEVING LETTERS FOR A DEBT IN THE SAME AMOUNT FROM XXXX XXXX XXXX XXXX ON BEHALF OF XXXX STATING I OWE MONEY ON AN ACCT THAT I NEVER OPENED. WHEN I FIRST RECEIVED A LATE NOTICE BILL FROM THEM I CALLED AND TOLD THEM IN XXXX I DONT HAVE AN ACCT WITH THEM. THIS MAKE THE XXXX TIME XXXX STATED I OPENED AN ACCOUNT WITH THEM AND I DIDNT!!! IVE BEEN DEALING WITH IMPERSONATION SCAMS IDENTITY THEFT PII DATA BREACHES SINCE XXXX THIS MAKE THE 3RD OPENED ACCOUNT PLEASE LEAVE ME ALONE I DONT HAVE AN ACCT WITH THEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Radius Global Solutions LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. 

They called but never sent a letter notifying me of the debt. They called in early XXXX, and I was able to send letter dispute in XX/XX/XXXX, but they never acknowledged the debt. Then I noticed them on my credit report, and sent another dispute and cease and desist letter in XX/XX/XXXX, but again no acknowledgement from them. Finally a letter from attorney from XXXX ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/XXXX and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. 

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.

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 2018-05-30
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! 
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. 

Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. 

Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit Karma says you are approved for a credit card, personal loan, and it will help your credit score. It doesn't help you or your credit score. It damages it. I made a complaint to Credit Karma in reference to this matter. They failed to respond to my complaint. I joined credit karma to build my credit, an the score. But everytime someone looked at my credit, my score would go down by XXXX or XXXX points. They use deceptive wording to draw you into applying for a credit card or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-01-05
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. To date, we have not received this information and can not complete the investigation. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now. 

They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it. 

In addition, this morning they again removed the account XXXX from online access so it could not be paid. 

Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible. 

The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.

Company response to consumer: Closed with explanation