BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts to resolve this issue with Southwest Credit but no avail. Southwest has called me countless times threatening to pursue action on a debt that doesn't belong to me. Upon talking with Southwest I ask them to send me a validated correspondence of said debt with my signature and, yet I have not received anything stating that I am the owner of said. I have also asked for Southwest to stop calling me but they continue to call all day long. According to the FCRA and the FDCPA it's my lawful right to have validity of said debt. I have also called XXXX and asked about said debt and they informed me that, the debt was a fraudulent account and they don't have any other information on file that can be shared with me. I asked XXXX how can you place fraudulent account with a credit agency? And again XXXX said they couldn't give me any answers other than it's not my account. Again, no one has sent me out any paperwork or a contract stating that they serviced me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2016-03-11
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I opened a line of credit with US Bank in XXXX XXXX. During the 7 years, I had the line open, I had exceptional payment history. In XXXX XXXX, I paid off entire balance from with final installment of {$520.00} ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of XXXX XXXX. It was not until XXXX XXXX, it was brought to my attention that there was an XXXX balance on my account that resulted a derogatory 30day late in XXXX and a 60day late in XXXX. I immediately paid the XXXX and a yearly fee on XXXX XXXX, XXXX and closed the account. In my view, reporting XXXX past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA.

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 2022-02-22
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # 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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2019 I contacted the following credit bureaus : XXXX, XXXX and Transunion. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.

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 2015-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: TX
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:
A fraudulent account using my name and social security was opened at a local furniture store ( see below ). Date opened XX/XX/XXXX for {$1500.00} and currently a balance of {$260.00}. 

Actions Taken : 1XXXX spoke management at furniture ( XXXX ), asked them to delete both at their level and with credit beaurus but no action has been taken. 

2. submitted a Identity Theft report to Federal Trade Commission ( Ref # XXXX ) asking to delete from credit reports but no action was taken. 








XXXX XXXX : XXXX. XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Account type : Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens recently acquired part of XXXX. I have tried multiple times to call and have them close my account. Account times are either very long ( an hour plus ) or they point me to XXXX. I want all Citizens accounts closed. Additionally they sent checks and a debit card to different addresses exposing me to potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
AMCOL Systems recently reported XXXX medical collection accounts from XXXX XXXX on my credit report. Prior to these accounts appearing on my credit report, I never received notice of my right to dispute these balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Avant Credit Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XX/XX/XXXX. At time of application/loan approval, terms were not disclosed such as interest rate, which is a high 35.9 %. This was found out about after it appeared on Avant website, it did not previously show before. Ive been making payments on the loan and they do not begin to cover the principal due to high interest rate. My credit score was in the mid to high XXXX range at time of opening and my rate should be based on that score and not 35.9 %. A XXXX complaint ( XXXX ) complaint was filed, however, not resolved. Avant rep ( s ) claim terms were disclosed to me and were not. I just received the full terms via email after asking a rep for them, these were not sent to me before. I did speak with a XXXX XXXX and unfortunately, was unable to resolve the matter. My XXXX claims he has screen shots showing terms, rate, etc.. However, it is highly unlikely he knows what appeared on my end, on my computer, at time of application. Had I known about this high interest rate I would not have applied as I will be paying back more than double the loan amount after the term ends. Please note, do not mark this as duplicate as there is additional information enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.

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 2016-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I used my fifth third MasterCard for a deposit with a merchant, the merchant has not provided the service promised. I tried to resolve with the merchant and they were not willing too. I then disputed the charge with fifth third MasterCard because the service was not provided the merchant withdrew from fulfilling our contract. I also made fifth third MasterCard disputes department aware that the merchant has no return or refund policy posted on their webpage where I paid my deposit. To my understanding this is a requirement from XXXX and XXXX. When I spoke with fifth thirds dispute department they confirmed this and assured me they were disputing this charge with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received 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 2020-01-14
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT INC. 
has an account on my credit report thats not mine and that is not owed to them. 
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had a chime account for around 3 years now. Put thousands of dollars of my money through the app. Well this is the second time Ive had a large amount of money just disappear. I have called them atleast 40 times and sent multiple emails, along with having to file multiple disputes over and over again. For months. On top of that Ive sent the same piece of evidence over and over and over again because every time I talk to them they say they dont have it. Ive talked to supervisors and have asked multiple times to speak with someone of higher power. The first time this happened I really didnt have much proof that the charges were unauthorized. So I get it. But this time I WAS IN XX/XX/XXXX! Ive sent paperwork like 15 times to prove it! Ive been going at it with this horrible app for months! And Ive lost my car over this! They owe me over {$1000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BlueChip Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I communicated with Spotloan representatives on XX/XX/19, XX/XX/19 and XX/XX/19. I signed my multiple loan contracts with this company, and have paid past debts with overdraft. However, I was unable to do that for some reason this time, and now I am still collecting unemployment. I thought I could get a hardship break and have requested to have all interest and other fees removed. I am currently 65 days past due and after 90 days my account goes to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on 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
Consumer complaint received 2016-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.

Company response to consumer: Closed with non-monetary relief