BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This was a five-year loan that has come to an end. I am XXXX as a senior citizen and must have missed five payments during the five-year loan. I tried to pay but they refuse to allow me within my portal and talking about repossessing my car for {$700.00} due. Instead of allowing me to pay they simply say call. I do not trust them for an over the phone conversation. I fail to see why I can not pay using my company provided portal. Part of the problem in the past was this portal. This is harassment and I have all the emails including pages of them telling me I was aware of this five years ago when I signed the contract. I am XXXX XXXX XXXX ; I can't remember what I did last week,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax mail server is out of control and Equifax can't use the USA XXXXXXXX XXXX to mail credit reports. 

1. Can't address letters correctly - this is a computer error where the name and address are doubled. - Fortunately the postal system can still function. Time and time again I have given Equifax my correct foreign address - and still they print it double. 

2. Recent mail now takes 28 days to reach me - because Equifax uses the XXXX XXXX XXXX to mail to XXXX. How many hands pass through this to go completely around the world. Customs inspectors in XXXX and XXXX XXXX now read all my credit reports. The USA XXXX XXXX takes 10-14 days to reach me is much more secure. 
3. This Computer error mail server also sends me other peoples credit reports. look up Confirmation # XXXX and # XXXX mailed with my XXXX  address, are other peoples credit files. Conf. # XXXX has my address and name doubled. 
4. Complaint # XXXX is not showing on my list of disputed items at myequifax.com. - 5. Mail server is out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Glacier Bancorp Inc.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I receive child support from Montana XXXX XXXX XXXX which can not be levied from my bank account. A judgement was entered for a past medical bill even though I am in the process of filing for XXXX XXXX XXXX  and have retained an attorney, have provided the attorney 's name and contact information and completed the credit counseling my account was still levied and my child support was still taken twice. My bank did not audit my funds to to see if the funds were eligible for garnishment even though I informed them the first time that they were not and did this immediately. They must hold the funds for five days and they refused to correct it either time. they took every cent in my account including all child support and medical reimbursement. They had all documentation because they received the direct deposit from XXXX XXXX XXXX and they have not responded to requests to correct this and have said they have no intention to correct it. I still have not been returned the child support which I rely on to support my daughter. This is through Valley bank of Helena. I talked to XXXX XXXX who is the Vice President and the Fraud department and all of them have refused to correct it and have cleared my bank account out completely without any recourse for me. I have had to miss close to 40 hours of work in an attempt to correct this and my bank account remains overdrawn, my daughter was pulled out of childcare without notice and I could not even buy groceries. These funds are protected by law and they took them without the right to do so on two separate occasions which have caused me significant hardship and caused me to even miss a house payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Billing statement

Complaint:
I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed an alert on my credit reports last XXXX. Currently when contacting Experian they will not transfer me to live person to resolve matter. The automated system says there is no alert but. My report is not pulling for lenders to view when they try for it. Was able to get in contact with XXXX and XXXX and they stated they were able to remove it. Recently I had an account closed from XXXX XXXX due to Experian reporting the account as fraudulent. I have sent a letter to Experian, Multiple emails, numerous phone calls that are never answered. This inconvenience has caused me financial and mental distress. I need help resolving this matter with Experian. They are incapable as a company to handle their own mistakes.

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 2015-07-31
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been contacted previously stating its to late to refile insurance, my claim is that the changes are not legitimate. The service provided is not reflected in the invoice. I have over billed and XXXX has paid out all debt owed and deductibles have been met. I did not authorize these charges and written proof with my signature has not been provided as requested. Pleased remove at once.

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 2022-11-01
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am attempting to get a loan paid off in full in XX/XX/XXXX reopened and payments made refunded. I asked for a refund from FedLoan on XX/XX/XXXX and was told it was in process. This was the case when I called back a week later to confirm. On XX/XX/XXXX when I called to confirm again they said I would need to go to XXXX and that they had no idea why a refund request was submitted. I have spent 2 hours on the phone with Fed Loan Servicing trying to find out what's going on. They repeatedly sent me to my new servicer XXXX XXXX who would then send me right back to FedLoan. 

Today XX/XX/XXXX, I spoke to XXXX at Fedloan ( Id : XXXX ) who told me I should just " wait and see there's nothing anyone can do ''. I asked to be escalated and she escalated me to XXXX ( XXXX ) who told me that my paid of of loan was being transfered to XXXX because FedLoan didn't have time to process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: FirstKey Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For at least three times since XX/XX/XXXX and as requested by my lender First Key Mortgage, LLC XXXX, XXXX C/0 XXXX XXXX XXXX XXXX XXXX ( XXXX ), I had already faxed and downloaded ( into lender 's website ) proof insurance policy covering the improvements and betterments within my townhouse unit as confirmed several times by lender representatives on the phone and by fax receipts ( see attachment for verification ). But they kept sending me letters saying I did not provide proof of coverage and force me to buy their insurance by setting up an impound/escrow account for my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Filing complaint because Rushmore refuses to answer questions, I asked with clarity in way that is understandable. 
Questions Mortgage Insurance and mortgage issue In response to letter received XX/XX/2022 from Rushmore also there are errors and mistakes on Rushmore representative respond. Questions mainly not explained and answered concerning insurance issue, for example the statement : 1. Loan to value ratio of the loan is above 80 %. I have asked for the statement to be answered and explain several times.

Again, explain why there is a negative balance concerning escrow and why Rushmore is trying to take control of the insurance?

Above all, Rushmore is not our mortgage company. We are quite concern, is it true Rushmore is not the new owner of the mortgage? If not, remove Rushmores name from the Insurance policy. 
Next, no reason why Rushmore should have sent payment for our Insurance Policy to Travels XX/XX/2022 insurance was not due until, XX/XX/2022. We already had made arrangement and informed Travels with plan to pay the insurance, never gave anyone permission to pay the insurance, none our payments should go toward XXXX. Travels or any insurance Company Rushmores Insurance companies need be informed we are paying the policy. A deduction of {$100.00} is taking from the loan note each month for insurance fees. 

On XXXX XXXX. Your agent wrote and noted the loan to value is calculated by dividing the original loan balance by the value of the property value = 91 %. ( Please explain this statement ). 

Mistakenly on Rushmore employee or employees be halves I never state the Loan was paid I quoted FHA Loan was paid off, not XXXX XXXX XXXX XXXX, Rushmore, or XXXX XXXX. We havent been convinced who own the loan Debt Collector, or two mortgage companies. However, we are in the process of revealing true owner of the loan.

Rushmore Debt Collector and server, therefore what interest do a Debt collector have in our insurance?

FDCPA have laws Debt Collector must follow. I am sure laws also apply to servers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a payroll check from my employer on XX/XX/XXXX of {$1700.00}. A hold was put on the check immediately and it stated the funds would not be available until XXXX. I contacted Chase Bank on XX/XX/XXXX and XXXX. They said they need to verify that the check has cleared. I contacted my employer whom contacted their bank on XXXX. The bank where the check was from said the check cleared on XX/XX/XXXX. Chase Bank has not lifted the hold on my check and customer service has not been helpful. There is no reason to keep the hold on my account when the funds are cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX. 

I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. 

Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. 

Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}. 

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. 

Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. 

Please advise immediately how you expect to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to retrieve my annual free credit report from Experian and XXXX via online. XXXX online services will not yield a free credit report for me. XXXX refused to yield a free online credit report for me.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX  Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Child Support XXXX XXXX, CHild support XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX inquiry, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX data XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 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 2022-11-01
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX ran my credit and gave me a home loan inquiry on my credit. I am not searching for a home at this time. I am unsure how you can process a home loan application without checking identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Late fee

Complaint:
At the beginning of XXXX I missed a payment ( this was my fault ) due to recent balance transfers and not realizing it was going to start on that day. That was my fault, I called them, and they did a courtesy removal of the late fee. 

I then enrolled in autopay on XXXX XXXX so I could prevent this from happening again. Their system showed I only had a {$2.00} ( yes, XXXX dollars ) payment for XXXX XXXX, and that it would take it out. 

XXXX XXXX came and went and no deduction happened. Again their system charged me a late fee. I manually paid the amount, since I did not want it messed up, while on the phone. However, they refused to remove this late fee even though this error was on them. They refused to acknowledge the error was theirs, saying it takes XXXX6 weeks for autopays to go into effect. 

However, I know for a fact their system was showing it was going to remove this, so yes it was their error. For that matter, in today 's technology, it should not take XXXX6 weeks for something this simple to go into effect. 

I suspect they are doing this on purpose, as the entire balance is a transfer from another card that was supposed to be very low interest, but with the " late payment '' on record they can jack up the interest rate. 

I suspect at this point the refusal to admit their system XXXX up, or maybe even purposely messing up, is done just to get more interest on the balance.

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