BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On and about   XXXX   XXXX   XXXX  , I called my financial lender for an extension for my car payment before the note was due ( which is the  XXXX  of every month ). I was advised that it will cost me approximately {$95.00} to put the payment on the back end of the note and no interest would be charged for doing so. The representative advised, " We can do  two  notes if I would like, most of their customers choose this option to give them a little breathing room to get caught up with things. '' I agreed to have  two p ayments placed on the back end instead of  one. T he process took them around 45 days to complete and in the meantime I continued to receive calls regarding my payment due to the automated service.   The payment extension cost me {$2000.00} instead of the {$95.00} I was originally quoted. My interest is supposed to be a fixed rate of 10.93 % for a {$26000.00} car. They ended up charging me {$9800.00} in interest, the  two  car payments that was supposed to be on the back-end and plus the  two  car payment we requested to be put on back end of the note. If we had know that the interest rate was going to change and I was going to be charged an additional {$9800.00}, we would not have requested the notes be added to the back end.   In the beginning my notes was split between the principal and the interest and since this situation most of my note goes toward the interest with little to no money being applied to the principal in some cases none of it. My payment from   XXXX   XXXX   is missing which I clearly made. They also informed me that I did not owe a car payment for   XXXX   due to the extension and when I called to confirm I was continuously advised of this fact. I received no calls all month long which was suppose to happen according to them due to their automated service. At the end of the month, I received a phone call asking for the payment for the month of   XXXX  .   I have tried to resolve this with my lender and spoke to  seven or eight  different representatives a day and supervisors with the promise of a resolution. The lender would never return my phone calls. I have requested them to listen to the recordings of my call when I was provided this information and they have refused.   My interest on my car change every month along with the amount being applied to the principal. They advised me it is due to the number of days in the month and that their bank does not withdraw the payment on the   XXXX   when the payment is due and my automatic draft is setup to do cause my interest to change depending on when they decide to take it out.     Please review this information and help me with this matter. I am now  upside  down on my vehicle and stuck paying an outrageous price for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I Initiated a dispute via letter to all  XXXX  credit bureaus in which the account reflected. The account was not validated and was removed from my reports. The account is now re reporting on my credit file and its under a new name. So the account was sold to a new collections agency.

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 2019-12-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased tickets today via a XXXX ad. I used XXXX with XXXX through my bank. I though Fraud Protection covered this service ( as XXXX does ) as it is directly through Chase Bank. When I called Chase to report the incident, they said I had no recourse. 

When the tickets were not delivered, the individual never responded and essentially ran away with {$310.00} of my money. It's crazy, my checking account isn't covered, but had I used a credit card it would be? Shouldn't our cash accounts ( such as checking and savings ) be protected the most? 

I am just sick over it. That was for a very special XXXX gift for my children and I don't have money to replace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We are showing 13 missed/ late payments. They were reporting to XXXX XXXX 100 % on time and another late with 9 reports. After calling and having them do an investigation onto why when all payments have been made and put on their hardship they went to the credit that was reporting 100 % and put 13 missed payments on that one. We have 25 payments made to this company even double payment and I have emails from their representatives showing that our account has been active doesnt show any late or delinquent and also being on their hardship or reduce our payment amount and never be reported to credit, also during that time their website did tell us we were delinquent and I have an email saying to ignore that because we were on a hardship and they do not report delinquent. I have many emails proving what they told me wrong with the credit reporting and they do not want to fix it when I have a complete proof that they are in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NC
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:
I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems Equifax failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if Equifax continues to defame my character and cause me more emotional distress, XXXX XXXX XXXX. I'm being denied credit due to these inaccuracies of debt. Equifax has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent out a request form to annual credit report via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 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 2021-02-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the Consumer Credit Agency, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have used my Bluebird account for over 5 years with no problems. I have money in my account but was sent an email saying my account was suspended with no explanation as to why. My paycheck and my tax return is scheduled to deposit into this account that I can not access. I can't access any of my wages. American Express has told me I can only get a reason and request a refund by mail. I can not support my family without my wages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source aka TMS, paid my taxes for XX/XX/XXXXafter they were already paid in closing. TMS was refunded in the beginning of XX/XX/XXXXfor those XX/XX/XXXXtaxes and then paid my taxes in XX/XX/XXXX and filed incorrect XXXX  's for XX/XX/XXXX and XX/XX/XXXX. When brought to their attention and asked for them to file corrected ones for XX/XX/XXXXand XX/XX/XXXX, TMS customer care said no go see a tax advisor. 
I then emailed and in writing de-authorized them to service the escrow account and demanded it closed. They said no they wont close it that it is a VA loan and it is mandatory. I explained to them that the VA does not required or have mandatory escrow accounts for their loans. I explained that I did not apply to TMS or refi with TMS that they assumed my loan and must accept all terms and conditions. I explained that on page 4 of the loan disclosure that escrow was not mandatory for the loan and that I voluntarily accepted it and that it does sate that I may cancel with out stipulations. They told me again no they will not cancel my escrow accounts that I can refi with them or to make escrow payments or they would file against my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Ability Recovery Services, LLC
State: KY
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:
I have two agencies trying to collect on the same account. Ablty Recvry XX/XX/XXXX XXXX XXXX XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.

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 2021-07-01
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report with XXXX, I noticed a collection for {$82.00} placed by CREDIT COLLECTION SERV. I do not know what this debt is and have not received anything in the mail from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the Summer of 2019 I was informed that my mortage at XXXX XXXX  was sold to XXXX XXXX ( headquartered in Virgina, I believe ) I received a letter from them saying I need to set up an AUTO Pay. I called the phone number listed and spoke to someone who said I need to set up my auto pay eventhough I had an autopay with XXXX for several years. In early XXXX I found out that duplicate withdrawals had been taken, XXXX, XXXX, XXXX. I contacted them ASAP. After waiting LONG periods of time and having my call dropped, and give incomplet information about how to request two payments returned, I spoke with a " supervisor '' on XX/XX/XXXX. Again I was given incorrect information and she said she would call me the next day ... .she ( XXXX XXXX ) did not. She gave me a phone number which she said was her direct line ... I have called several times a day and the number when to a general message center as I did not have her last name. She finally called me on Wednesday and we had a conference call with a representive from XXXX Bill Pay department. She said everhthing was in order and she would update me later that day ... ..she did not. I have tried several times to call her, NOTHING. Becaquse of this I had over draft charges and had to take out a high interest loan to pay my bills which were due. I am going to Refinance as I give their company and service a XXXX XXXX XXXX also promised to send me an overnight check XXXX XXXX also promised me an overnight check in the amount of two payments of {$1100.00} NOTHING

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 2022-08-04
Company: EQUIFAX, 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:
I, XXXX XXXX, am a consumer and natural person pursuant to 15 USC 1692a ( 3 ). After the recent investigation with Equifax and becoming a victim of the Equifax Data breach of 2017, this devastating news further confirms that my consumer report has been irresponsibly tampered with. Equifax is responsible for sending incorrect scores and information to lenders and I have continuously been affected by this. Equifax has evidence proving their negligence and noncompliance is a result of the miscalculation and reporting of my credit score and consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax did not exercise their grave responsibilities, Equifax has been unfair, impartial, and did not respect my right to privacy. Congress has already stated that Credit reporting agencies have assumed this vital role in assembling and evaluating consumer credit and other consumer information. I, XXXX XXXX, did not give permission and Equifax did not have my consent.15 USC 1681b ( 2 ) of the Fair Credit Reporting Act also states Equifax did not have permissible purpose, I did not give written or oral instructions to furnish a consumer report or create a consumer report. I have previously disputed erroneous accounts and information on my consumer report and Equifax failed to remove and delete the disputed accounts and information and continues to report inaccuracies without validation. As a result of Equifax 's willful, noncompliance, negligence and failure to insure the accuracy of the information on my consumer report, I have suffered emotional distress, mental anguish, loss of trust and confidence in the banking system, and my reputation has been tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company has repeatedly called friends of mine and harassed them about my debt they have also come to my moms house a number amount of times to discuss my debt with them telling them they were going to have to take me to court even after they have told them I dont live there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.

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 2019-12-22
Company: SYNCHRONY FINANCIAL
State: MS
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:
On XX/XX/XXXX I was shopping at Samsclub.com and saw the credit card offer to get the chair I was shopping for {$150.00} instead of {$210.00} because of a {$55.00} credit for opening the account. I took the bait and want to pay the card off immediately but the statement is for the whole amount of {$210.00} instead of the credited discount price. I called XX/XX/XXXX and was told it would be credited to my account. Today, XX/XX/XXXX the credit is still not applied, so I chatted with an agent who told me the credit will not be applied for 90 days! That is NOT what the offer stated. The offer stated that my price would be {$150.00} I have the conversation with the agent.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX 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