BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: AR
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the pandemic I only worked less than XXXX hours per week I had a XXXX XXXX XXXX  my son had XXXX  as well as being XXXX XXXX I had additional fees due to XXXX  for example XXXX  fees and XXXX  fees to XXXX  fees for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the rent paying organization so that my rent can get paid because I was struggling and getting assistance from my family XXXX XXXX or XXXX XXXX sent XXXX XXXX XXXX  months of rent on XX/XX/XXXX for my rent the XXXX XXXX sent the check back knowing the fact that if I did not qualify I would not have received funding I do not owe XXXXXXXX XXXX a XXXX last I have emails that I sent to her and her boss because of their negligence. I have also filed a lawsuit with the state of Texas because due to the pandemic this company falsified their rent prices online which is called price gouging.This company Hunter Warfield is operating off of false pretenses and they need to remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i checked my credit today and found that this company reported me without even trying to contact me i have dispute this debt with other collection agency at one point thru cfpb but they continue to harass me i have several issues with this company also

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Harvard Collections, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only. 

Refer to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CASHCALL, INC.
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Continental Finance Company, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am repeatedly receiving phone calls 2 to 4 times a day form Cardservices, beginning at XXXX and going several times throughout the day from a XXXX phone number, which my area code is XXXX but cardservices is in New Mexico XXXX And this has been going on for over a month now. I've asked them repeatedly to STOP calling me. I've spoken to 4 agents including today XXXX today.. and told them all to 00 my number out of their system and to not call me again and I keep getting phone calls still repeatedly daily harassing me causing me XXXX  and triggering my XXXX XXXX with XXXX. My account is not even in collections, its under credit protection and I've told them repeatedly that it is and I'm quite sure they see that my file. So the fact they keep calling is asinine. I WANT THE CALLS TO STOP.. and I want to be compensated for them breaking the law. My phone records every conversation and my phone ledger has tracked their number. They've called me an over 100 times in 4 weeks. This is ridiculous.

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 2015-11-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
In Reference to case No. :XXXXMain Issue : Chase Executive Office Agents refuses to discuss the facts of WHY the Chase agents I spoke to approved my reimbursement transactions. In addition, they have not discussed why Chase 's Payment system allowed the transactions to occur. Those are the root causes of the scam as my interactions with Chase 's agents then put me into several difficult situations ; a. All transactions were legitimately reflected on my Online Chase account. In addition, Chase agents confirmed that they were valid. 
b. Since I was reimbursed for the purchase of computers requested by my employer/scammer, I was obligated to send those computers to my employer. Had I not sent the computers, I could have been accused as a criminal / scammer myself as reimbursement / payment to my account was already processed. 
XXXX Chase later reversed those payments, even after their own agents confirmed that they were valid. I think this is Chase 's failure to protect me as their customer, since their agents had originally approved the reimbursement / payment as legitimate transactions. 
I received a few calls from Chase 's Executive Office after the above complaints, all recorded by their system. None of their agents were willing to discuss, avoided to answer, and switched subjects from the main issue : Chase Agents ( at least XXXX agents on several different occasions ) approved of my payments using accounts provided by a scammer ( under the guise of an employer who had hired me ). I clearly stated to them that the accounts were not mine, and were being used to reimburse me for expenses " my employer '' requested me to purchase ( XXXX computers total ). 
Because Chase 's agents validated the legitimacy of the transactions, their approvals put me in an odd situation per our legal system : Because Chase 's agents had verbally confirmed that the payment to my account / reimbursement was processed and reflected in my account, I believed that the money was truly in my account. With proper reimbursement, I could not hold onto the computers I had purchased. I could have been reported as a criminal / thief by " my employer '' as I had already been reimbursed for my purchases. 
Chase exhibited negligence on XXXX counts:1. The Payment / Reimbursement process was properly executed and allowed by Chase System2. Chase Agents approved such transactions knowing that the accounts were not mineChase 's online payment system should have red-flagged the transactions, and their agents / automation system should not approved such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As of XX/XX/XXXX, there are several pieces of inaccurate and incomplete information reporting on my Experian credit report. Account XXXX # XXXX has an open date of XXXX but has NO payment history from XXXX through XXXX which is considered incomplete information under the Fair Credit Reporting Act. Account XXXX # XXXX has a date of last payment for XXXX but the amount paid and past due amount there is not information available which is INCOMPLETE. XXXX XXXX Third also has a Status as Current but yet has no payment information available for the XXXX, XXXX, XXXX, or XX/XX/XXXX. How can I be current with no payment information available for the most XXXX recent months?? XXXX has an open date for XXXX which shows no payment history from XXXX through XXXX and from XX/XX/XXXX through present which also is INCOMPLETE information. Account XXXX XXXX has late payments for XXXX, XXXX, XXXX, XXXX, and XXXX days late. It is impossible to be XXXX days late if my last payment was in XXXX which is Inaccurate information Account XXXX # XXXX shows last payment made in XXXX and XXXX  days late in XXXX XXXX it is impossible to be XXXX late in the month of XXXX while were currently in the month of XXXX if a payment was made on time In XX/XX/XXXX?? That is inaccurate information. Account XXXX XXXX # XXXX shows XXXX days late for the months XXXX and XX/XX/XXXX which it is impossible to be late XXXX days for XXXX consecutive months if the last payment shows XXXX I have attached documents supporting these inaccuracies.

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 2021-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
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:
I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan.

I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required. 

On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX  XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ). 

I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title. 

Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX  to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Concord Resolution Inc (Closed)
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
A company called Concord Resolution ( XXXX ) keeps calling me to collect on a payday loan from 2011 that was paid in full. They are very rude and disrespectful, and have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
XXXX case # XXXX and XXXX Attorney General of Texas. Under 15 US code 1681 ( A ) and 15US code 1681 ( I ) ( XXXX ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and misleading when the court dont report this type os account. under 15US code 1681 ( B ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is identity theft

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 2023-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a joint personal checking account together with my husband. My husband incurred credit card debt with Bank of America Business credit card. Between XX/XX/2022 and XX/XX/2022, Bank of America seized a total of {$2800.00}, from our joint personal checking account using the Description " XXXX XXXX '' The bank informed us that they had done so to satisfy the amounts that my husband owes to the business credit card. however the money that they seized were from funds deposited by me from paychecks I had received from MY JOB and did not belong to my husband. Bank of America has never even obtained a judgment against my husband and bank of America had no right to seize my funds from a personal account to satisfy a business credit card belonging to my husband.

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 2022-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Mortgage for more than XXXX years with XXXX XXXX XXXX, the XXXX of XXXX my mortgage was tranfered to Select Portfolio Servicing Inc. XXXX. I have been working with The Va Mortgage Assistance Program to help keep my account up to date. My job was severely affected by the outbreak of XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA Mortgage Assistance Program has been great! for the last XXXX months they have [ along with myself ] tried to reach out to them to simply get the amount of past due payments in order to send the fund to their company but they will not respond. The State of VA calls XXXXtimes per week and i call more than that. I have spoken with numerous people but nothing has changed. My family needs whatever help you may be able to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.

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 2015-05-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company used an automatic dialing system to call my cell phone without my permission on several occasions. additionally the collector did not disclose the " mini miranda '' and this debt is out of statute. several tcpa violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Crypto.com allowed to transfer my money using digital wallet to XXXX XXXX XXXX XXXX  and it is crypto scam. Crypto.com knew that the digital wallet was suspicious and belonged to crypto scammer.

Company response to consumer: Closed with explanation