BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH
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:
Pulled credit placed credit inquiries on credit reports I didnt apply for credit

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 2017-09-11
Company: EQUIFAX, 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:
Equifax mishandled my information which puts me and millions of other people at risk. According to their XXXX, I am listed as a potential victim. They also did not notify everyone quickly enough about the breach and admitted that they will not notify everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to ask for a verification the the debt they claimed I owe for {$360.00}. National Credit System never even bother to respond to me even when I sent them a letter that they received on XX/XX/20 with tracking number XXXX! It has been a year and they never responded to my mails. I have been sending them a mail and according to my research online they need to respond and validate the debt. I am so tired of sending letters. Help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express has informed us they have had payment problems, including a letter mailed to our home about the problems dated XX/XX/XXXX. ( I will attach this document. ) Despite that, they keep telling us our payment is past due and they are threatening to send us to collections. 
We paid AmEx bill via our XXXX bank on XX/XX/2022. We have proof of this and have shared it with AmEx. We paid more than the full amount due and they claim they can't see the payment even though it is clear on XXXX ' side that the money went to AmEx. 
We have called three times and have gotten no where with the company. We asked to speak with a supervisor the last two times, and the latest time ( tonight at XXXX XXXX XXXX ), they said they were too busy and the supervisor would call us back. 
The last supervisor said we talked to said we could resolve this by wiring even more money to AmEx via our XXXX account ; but we don't want to send anymore money to the black hole that is AmEx 's payment system. 
All the folks we've spoken to there say they can't do anything about this until their system is fixed, and say we " probably '' won't be liable for fees, interested etc. But no one would put this in writing in an email..and if they send us to collections, we will suffer the ramifications of that. 
Corporate America, whether it be greedy credit card companies, airlines, etc., seem emboldened to not care about consumers and enrich their executives. We need the FTC and politicians to step in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Chase Bank removed my inquiries from XXXX but they did not remove all them from XXXX. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX shows a credit score of XXXX Equifax shows a credit score of XXXX There is no way to dispute the score from Equifax. I have logged on to their site and it will not explain why the score was dropped. There is a big difference between the two scores and I would like this resolved. My credit score has historically been really good and I want to keep it that way, so the drop in score will help me who runs a small business. 

Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.

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 2022-07-18
Company: URS Holding, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
All Tran financial Called and told my family member to call them and told them how much I owed. They violated my confidentiality by tell other people how much I owed.

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 2021-08-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX  XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active. 
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX. 
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}. 
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX  XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help! 
Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX / XX/XX/XXXX / XX/XX/2018 - DAY LATE XX/XX/XXXX XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # s account # 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 consumer reporting agency can not furnish a coount 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 2022-07-18
Company: Bread Financial Holdings, Inc.
State: IL
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:
COMENITYCB/XXXX Miscellaneous Department and XXXX XXXX XX/XX/2022 XXXX On XX/XX/2022 Comenity Bank XXXX XXXX Credit Card made an UNAUTHORIZED and UNLAWFUL hard inquiry into my XXXX Credit File. 

My Comenity Bank / XXXX Credit Card was defaulted years ago and was previously sold by Comenity Bank to a 3rd Party Debt Collector. Now, as a result of the sale Comenity Bank does NOT have a permissible purpose for making a hard inquiry into my XXXX Credit File. This hard inquiry into my XXXX Credit File is harassment, ILLEGAL, and is apparently intended by Comenity Bank to lower my credit score and to cause a hardship for me when I am attempting to obtain credit, housing or employment. 

Comenity Bank must REMOVE the inquiry dated XX/XX/2022 from my XXXX Credit file as it did NOT have a permissible purpose to inquire about a previously defaulted debt which it had previously SOLD to a 3rd Party Collection Agency. This debt no longer belongs to Comenity Bank, and the inquiry must be removed immediately or I will be forced to file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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 Account # s account # 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 consumer reporting agency can not furnish a coount without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX, and I am the Estate Administrator for my deceased mother, XXXX XXXX XXXX. When my mom passed, I found out she had a reverse mortgage with PHH Mortgage. With an Estate Attorney in place, we were told we could sell the home. The home has been on the market and under contract since XX/XX/XXXX with an original close date of XX/XX/XXXX. Since early XXXX I have called PHH to simply get a payoff. From day one I have filled out all their paperwork to get this information. After a few weeks of not getting the payoff I had the closing attorney to call for payoff. PHH refused to talk with the attorney. Since then I have gotten my Realtor involved, XXXX XXXX, of which PHH has refused to speak with her even though I have given permission for PHH to talk with her. XXXX and myself have call 30+ times, sometime several times a day only to be jerked around and given one excuse after another as to why they wont send us a payoff. PHH is a scamming company, and we believe they want to push us further out so they can foreclose on the property. We are simply asking for a payoff, they home has a buyer but we can not close without a payoff amount. PHH has been anything but helpful, again excuse after excuse. We can not get them to give a payoff and we need help, fast! Please and thank you. Ski # XXXX last 4 of ss # XXXX and address XXXX XXXX XXXX XXXX, XXXX, NC XXXX PHH contact # 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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2017-09-11
Company: EQUIFAX, INC.
State: WA
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:
Equifax had a security breach which led to 140+ million Americans at risk of credit fraud. This can only be because of inadequate security measures taken by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, two fraud charges came in to my card from in store in XXXX. I was in Alabama. I promptly reported fraud to my citi card. They shut my card off and mailed me a new one. They then failed to flag it as fradulent activity. I called again today and inquired why it wasnt taken off and was in fact on my bill and Citi had no explanation. They then verbally berated me when I said their mistake was in violation of consumer finance laws. The charges were for XXXX cents and {$8.00} for XXXX. A company I have neither heard of or ever used.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have a account I pay for with Transunion for credit monitoring. I also have a free account with Transunion. This morning when I logged into my computer I was told that my password was compromised to Transunion. So I logged into my credit monitoring Transunion account and tried to change my password. The online account had an error message stating that they were unable to change my password. So I called customer support and they said they reset my password. when I tried to use the new log in, it did not work. I called back 5 times. each time they said they reset password and it did not work. By this time I was locked out of both accounts. They said they would have technical call me back in 2 hours. They never called back, and now they say it will be 24 hours. I am completely locked out now of my credit monitoring and my free account with Transunion and it is XXXX pm and 7 calls later. and my account is now " suspended ''. Ridiculous poor incompetent customer service.

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 2017-09-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: ORG GC GP Buyer, LLC
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC Services constantly calls me. I made payment arrangements and they kept changing my minimum payment and they have called me dozens of times. They called me this morning at XXXX, on a Saturday on a holiday weekend. They called at XXXX on XX/XX/XXXX. I have talked with them and worked with them but their constant calls are becoming extremely inconvenient and irritating. In XXXX I first started working with them. I filled out all the paperwork that they wanted and worked out a payment arrangement of {$5.00} a month. Then they called me again the end of XXXX and said that my minimum payment should be {$30.00} a month, so I agreed and paid them another {$25.00} on XX/XX/XXXX and then another {$30.00} the beginning of XXXX. Then they called me again and said that I needed to pay {$32.00} a month. And then they called me another five times to sign and send in the agreement. I paid {$32.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I paid {$30.00} on XX/XX/XXXX. I paid {$25.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. 

I have worked with them and yet they still are constantly calling me at extremely inconvenient times and it is becoming harassment.

Company response to consumer: Closed with non-monetary relief