BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CB1, Inc.
State: MT
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.

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 2022-11-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I go to apply for a bank account, I am being denied because XXXX XXXX is still showing a debt of XXXX that has been paid. I've spoken to XXXX XXXX and Bank of America about this situation. I have documentation showing this debt has been paid on Monday, XX/XX/2021. I would like to have this debt disputed so I will be able to open up a bank account. 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 2021-06-21
Company: AMERICAN EXPRESS COMPANY
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:
AMEX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Selene Holdings LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Selene Finance fraudulently reported a new account number XXXX onto my XXXX credit report file. This fictitious account number was posted between XX/XX/2022 and XX/XX/2022 and I do not nor never had a contract with Selene Finance with this loan number. This fraudulent account is also being reported as being late 120 days when its new and never appeared before on my credit profile as it was recently opened. I never consented nor signed this new loan account and immediately asked for validation of this account through the administrative process. The monthly payment being demanded, and loan number looks like fraud as I don't recognize either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Affirm Holdings, Inc
State: NY
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:
On XX/XX/XXXX I attempted to order a part from this company XXXX XXXX  They didnt have the part in stock but you can preorder the part so as soon as they get it in they will send it out. XXXX XXXX is partnered with a company affirm. You can use affirm to make a payment and pay back installments.I used affirm cause I did not want when the part came in I didnt have the funds available. So after 2 months they still didnt have the part. On XXXX I canceled the order, I received a email confirmation order was canceled. Later that month I received a bill from Affirm saying payment was due. I called Affirm & told them that ordered had been canceled. They informed me that it takes 2 to 3 weeks for cancelation to process. So I made a payment with the assurance that it would be refunded as soon as the cancelation was processed. On XX/XX/XXXX I called XXXX XXXX to make sure that the order was canceled and the information was forwarded to Affirm. Again I received a confirmation email of cancelation and told Affirm had already been informed. XXXX comes around in receive another bill from Affirm for payment again I call Affirm they tell me they have no information about cancelation. I was instructed to send a copy of letter from XXXXXXXX XXXX of cancelation. I did received confirmation that it was received. I called XXXXXXXX XXXX again and was told they dont know why Affirm keeps telling me to call them because there is no money to refund cause order never processed cause item never came back in stock and they already sent them confirmation of cancelation and thats all they do. I call Affirm again and now not only are they saying they didnt received anything from XXXXXXXX XXXX they also saying they never received any of my emails with the confirmations, and that I am responsible for the money even though XXXX XXXX say they never charged Affirm. This been going on for 4 months now and Affirm refuses to call XXXX XXXX or investigate but keepa telling me Its my responsibility. XXXX XXXX telling me there is no money there was no payment made to them so there is nothing to refund and they dont deal with the customer when affirm is involved and they gave me everything already. Affirm has put this on my Credit report and calling me making threats and told me recently that it is to late for them to file a grievance with XXXX XXXX cause its pass 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I submitted a request to remove inaccurate information on my credit report and it is still on the report. I want it to be removed as soon as possible.The names to be removed are XXXX. XXXX XXXX. XXXX. These are not my names.

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 2022-11-10
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: Problem with rewards from credit card

Complaint:
Amazon refuses to return money on Amazon Credit card as agreed. Because of misleading promises, of rewards, reimbursement of Money of not satisfied I a purchased Bed The product is known as the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for {$470.00}. delivered on XXXX. I called Amazon on XXXX, I needed to return the item as all the parts for the bed did not come and only half the bed, was delivered. At Amazon Rep direction was their policy was for me to return to bed, I would receive a full refund because it was purchased on Amazon credit card. I then could reorder the bed and get the product I wanted. The reimbursement policy was it would take 2-7 upon Amazon acknowledgement of receipt of return bed to receive the full reimbursement. After 7 days on XX/XX/XXXX I did not receive any refund, I called Amazon again and the Rep. then said it might take another 7 days or 14 days because the issue went to a special department. After 14 days on XX/XX/XXXX I called Amazon after not receiving a refund again and they told me it would now take up to additional 30 days and I might not get the money back as promised. This was misleading. I did not get the product or my money reimbursed. I just want the Product or the return it the money under my Amazon credit card as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
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:
JPMCB CARD XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CHECK INTO CASH INC.
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX sent me a email telling me i owed a certain amount of money for a payday loan that is less than what they are saying. When i looked up ace cash services i found out its a scam company trying to recieve money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My problems are presently with Key Bank : 1. My chip-embedded credit card is currently lost by Key. 2. I have no access to my checking account Key Rewards either. 3. Web Site instructions are a sham! 4. Neither Key local nor Key Headquarters nor miscellaneous Key Online bankers are adept to follow through, answer real questions sufficiently. They do not resolve problems this bank creates. This is intentional. Instead, Key bankers shuffle this customer ( I daresay thousands other customers, also ) to and fro, place this customer on endless phone " HOLDS '' ( while they confer with some other banker targeted to forward my call to next ). Once this is done, that banker simply begins the Recycle process all over. Their " poker-faced '' mouths express ignorance and ask customer 's reason for needing assistance. They replay the canned interrogation questions already answered. Once again, the customer must respond and reiterate the same personal details. [ My God! It is my opinion the banking industry itself is the biggest threat to stolen identities and stolen dollars. Industry bankers surreptitiously use their customers! ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was late on paying my property taxes for XXXX. I was in the process of applying for Mortgage relief fund when I realized Rocket Mortgage paid my taxes and created an escrow account. My paying more than doubled from {$1300.00} to over {$2900.00}. I could have setup a 5 year payment plan with the county instead repaying everything within a year. I asked them to send the paperwork, allowing them the right to pay the taxes and create a escrow account. They sent me a document that doesn't have my mother 's signature. There are XXXX pages and every signature looks different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently experiencing difficulty with obtaining a lien release and supporting documentation on a home equity mortgage loan that originated in XX/XX/XXXX and I had paid off XX/XX/XXXX that was held with HSBC Bank. I was made aware of the issue of the lien not being removed from my deed during a current refinancing process with another financial institution. I have been attempting to resolve this issue with HSBC since XX/XX/XXXX. After great difficulty in finding a working contact number for HSBC, I ended up with HSBC mortgage Service Company who have absolutely done nothing to address the issue. The process was started with an email which returns a form to fill your information in and send, that generates no response or acknowledgement. After multiple calls in conjunction with efforts on my behalf by the current lender and underwriter, I still have not received a response or resolution. The responses are always the same " I have escalated the request, the volume of requests is massive, We ca n't locate the information ( even though I have provided the actual title search for them, including deed & liber information ), even after finally being directed to a " supervisor '' the response is the same, stall and claim they will look into it and escalate it. At this point I feel HSBC and the service company, Mortgage Service, are simply not going to do anything about this. In the meantime I am suffering financial harm as I have lost the low interest rate with the expiration of the commitment and associated specials with the application ( no fees, etc. ). The current lender I am working with has indicated that I am not the only individual in this situation with HSBC and my own research has found thousands of reviews describing similar problems or worse. 
I guess my next step in this process will be engaging legal council if I can afford it, in an effort to resolve this. 

If nothing else, I feel that this situation is unacceptable and warrants consideration of potential legislation to protect consumers from negligent banking practices that un-wittingly harm the consumer. 
I greatly appreciate anything you or your office could do to facilitate an acceptable resolution not only for me, but the other consumers dealing with the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from George Brown Associates in XX/XX/2022. It stated in the letter they were collecting a medical debt of {$3.00}. The letter gave the options of paying the debt or disputing the debt. I disputed the debt on there form and I enclosed a letter which I asked for a debt validation letter to be sent to me if they could not validate this debt to not contact me further. I sent this letter and debt dispute insert via certified mail on XX/XX/2022 they received the letter since I have the tracking number. I did not receive a debt validation letter back from George Brown Associates, INC nor response to debt dispute In XX/XX/2022 George Brown Associates contacted me again with same letter for same supposed debt. I called them on XX/XX/2022 again disputing the debt. Since it was over 30 days without a debt validation letter and no response to dispute of the debt. I am asking for them to stop contacting me. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Visa vanilla card has refused to credit back a return started on XXXX from XXXX who has confirmed that they have already sent the funds back to visa. For the past week visa has been lying to me about when the funds will be available its already last the days they have for the refund to process. I called today and spoke with a very nasty representative who refused to transfer me to his supervisor telling me they the supervisor would tell me the same thing and that it would be an additional 7 business days for my refund to credit back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation