BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: WY
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 & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous calls nearly daily from a debt collection agency Portfolio Recovery. I don't owe anybody anything. I have blocked every phone number they have used, but it appears they are spoofing numbers from all over the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I currently have a 3 year lease with Kia Finance Company, due to the international pandemic occurring due to COVID-19, my husband was laid off of work. We are currently supporting ourselves and our child on one income as we await unemployment benefits for my husband. I called Kia to request an extension on my monthly payments and explained the situation. The representative informed me they are only offering assistance to the person holding the lease if they fully lost their job and will not lower my payment or provide me with an extension to pay. I requested to speak to a manager who was not available to speak with and was told I would receive a call back which at this time I have not received yet.

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 2021-10-30
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 AmeriSave took, a home loan refinance application from me, and {$500.00} over the phone. I was instructed, to verify documents & submit information on their portal. I noticed, the Pension amount I shared during the phone application was inaccurate and underreported by approximately $ XXXX. By email, and phone message requests I asked the correction be made so the amount is consistent w/ the bank statements and Monthly pension statement I provided via their portal. I did not receive an email response, nor phone call. I will attach the email, along w/ several other ones for which no reply was given to me. Those emails, detail technical and/or other non user friendly and inefficient relative to AmeriSave 's portal. For example, I repeatedly get requests for bank statements which I provided, along w/ permitting their access to my accounts. The challenges, AmeriSave presents to me is quite consistent w/ countless customer complaints on XXXX XXXX Yes, I should've researched the corporation. Moreover, its why I am reporting their problems now. I sincerely, believe by their approach, and the customer responses, I may have been scammed of {$500.00}. Or/and ... maybe, I am concerned, XXXX will include me in their not correcting false information on a mortgage application. During my career, I achieved and served in 3 separate peace officer classifications, so following the law is important to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
Theres a fraudulent account name : XXXX XXXX which Experian is currently reporting and keeps updating without showing me actual method of verification of how they got the account updated

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Account was opened fraud in my name, fair credit act requires 100 % accurate information

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 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was refered by my friend to purchase bitcoin and talk to her broker. At the time, I did not know her account had been hacked by a scammer. I was manipulated into paying {$2500.00} through XXXX on the XXXX and XXXX of XXXX to someone pretending to be XXXX XXXX XXXX XXXX # XXXX. I disputed the transaction on the XXXX, Bank of America said I could not get my money back.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: AL
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:
This account was opened in my name and it does not belong to me. 

XXXX XXXX XXXX {$1700.00} XX/XX/2020 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 non-monetary relief
Consumer complaint received 2015-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Balance transfer fee

Complaint:
Chase credit cart promoted zero balance transfer fees for 60 days from the date our credit card account is opened, but did not disclose the actual date that the account was opened. As a result, Chase charged balance transfer fees when we believed we were within the 60-day promotional period. Letters sent to us specified an account activation date of XXXX/XXXX/2015 and Chase claims an earlier date was used as the account opening date. We contacted Chase to resolve this problem but they refused and argued that they considered the balance transfer fees valid. We consider this information to be a deceptive business practice ; there is no written disclosure provided to us, either on paper or via online processing, which specifies the actual account opening date so that consumers like us can calculate the actual time remaining on Chase 's advertised promotional period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Law Office of Michael J. Scott, PC
State: SC
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 stated they were representing XXXX XXXX in attempt to collect an alleged debt that was not verified. This company made harassing calls and or written communications but not limited to.This company then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.This company refused service for a complaint.This company willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company failed to follow FCRA 609 as demanded 43 times by way of certified mail.REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP is attempting to collect a debt owed to XXXX XXXX for cable service at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. I have never lived in Oklahoma. I do not have cable service from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citi bank has continued to provide fraudulent rude nasty low class customer service. They have charged me for fees that XXXX XXXX who first opened my account lied to me about the terms, they have purposely locked me out of my account even after I provided the correct information, and recently had some bad english speaking rep get on the phone yelling at me telling me I shouldn't have let my account balance get so low then I would not have fees. They charged me a monthly service fee then charged an overdraft fee for that fee. They lied and claimed they didnt have bank phone records of my calls where agents did not accept my verbal passwords nor the agents who refused me to talk to supervisors or hung up. If Citi wants to continue playing games I have already spoken to an attorney I will file a pro se law suit against them and have the records from my phone subpoenaed to then subpoena the exact calls that were made to Citi since they want to play games.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: VA
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, XXXX  XXXX XXXX Account # 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.

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 2016-07-09
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. 
We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. 
We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. 
The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. 
If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Nelnet, Inc.
State: TN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Consumer Finance : I am on XXXX and get {$520.00} per month. I was on an Income Sensitive Repayment Plan or an Income Based Repayment Plan and had {$0.00} listed as my payment in XXXX of XXXX and I can not get them to approve me for that payment plan again. I have a XXXX-year-old and I must rely on others to help pay for his needs. I have struggled with them for years and they put it on my credit. I have done everything they asked me to do. I sent in a recertification letter on XX/XX/XXXX and received confirmation they had received it on XXXX, XXXX. Before that I have tried to apply for discharge of my loan in XXXX of XXXX via snail mail and they wouldnt approve that. Meanwhile my credit score is XXXX and it was XXXX. The websites they have for Nelnet.com and XXXX are horrendous. I must reset my password every time and sometimes I can not get in. I dont know what to do about this. They wont work with me. I need my credit fixed at least. I need a loan to cover me during the Covid-19 crises and I can not get one. I think its unfair that they report it to my creditors, and they will not approve any plan I apply for. Thanks for your time! 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: IN
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 XXXX Account # 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

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 2016-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approached by a Chase Mortgage Broker in XXXX XXXX regarding lowering my mortgage interest rate. This was under the XXXX Program and my mortgage was then refinanced under XXXX at 5.375 %, as we know interest rates significantly have fallen since then. On XXXX XXXX, XXXX I contacted XXXX XXXX, the Chase Mortgage XXXX regarding the possibility of having my interest rate lowered. He responded with.. 
" All we know is that it made sense then - and rates were still historically low - unfortunately, we do not have a crystal ball, so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline, and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment, my home is still " under water '' so I am unable to refinance in the traditional manner, Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers, not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below

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 2022-05-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: WY
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:
ARS ACCOUNT RESOLUTION at address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : ARS ACCOUNT RESOLUTION, ARS ACCOUNT RESOLUTION SERVICES, ACCOUNT RESOLUTION SERVICE, and ARS ACCOUNT RESOLUTION SERVICE, 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 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 2017-10-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Optimum Outcomes, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt appears to be the result of either identity theft or fraud. Consumer has no knowledge of this debt and has attempted to get additional information from the debt collector about it. This matter has also been reported to XXXX.

Company response to consumer: Closed with explanation