BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute for two payments that were duplicated in my account from the bank XXXX for two different credit cards, the dispute department made a mistake and included two other merchants that were not discussed in the call and this cost me over {$160.00} in fees and one credit card closed due to this chargeback. JPMorgan Chase is lying saying that I did include these merchants, when in the recorded call is not true and they deny me the right to listen to the call with them so I can prove them wrong. I have taken this case to their executive offices and they insist they did nothing wrong which is not true and the recorded call proves it. They say that at the time of the call the other two merchants were pending, which is NOT true. I was very specific about the merchant in dispute, XXXX, and the repeated amounts {$2800.00} & {$1900.00}, I remember this call very clearly. I need help, they are abusing their power and do not want to be responsible for their mistake. This has caused me a lot of issues and loss of money. 
thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I hired a moving company to move me from XXXX XXXX to XXXX. The company did not provide a truck large enough to accommodate my move despite upping the estimate the day before. The truck they sent from a third-party vendor was almost completely full and would not have even accommodated the original estimate. They said they were looking for another truck that had the space and would let me know. Instead, they left without telling me anything. They said they would reschedule a move to another date when they could get the truck but that was not the date I agreed to and had to get my things out the day we scheduled. I had to hire another moving company which cost me twice as much on short notice. They said they would refund my money and never did. Then they offered me {$600.00} off the {$1800.00} it cost me and I said that wasn't good enough so I filed a dispute with the bank. The dispute was denied and now because I filed a dispute the company is no longer willing to give me the {$600.00} back and is mocking me because my bank " doesn't even have my back ''. The {$600.00} is still not enough but better than nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: IN
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 had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: National Account Systems of Omaha, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served by certified mail, a Court Summons by NATIONAL ACCOUNT SYSTEMS OF OMAHA LLC, assignor of XXXX XXXX, in the State of Nebraska ( XXXX XXXX ). I am a resident of California ( XXXX XXXX XXXX ). The pursuit to collect an alleged debt in the amount of {$27.00}, XXXX has not been verified by the NATIONAL ACCOUNT SYSTEMS OF OMAHA , LLC. I would like to request validation. Validation of aggregated value of account, forward floor agreements, bill of sale, original documentation etc. Also, I have filed a complaint with XXXX XXXX XXXX XXXX Attorney General 's office because NATIONAL ACCOUNT SYSYTEMS OF OMAHA LLC is in violation of consumer rights.

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 2016-10-07
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Inaccurate reporting for several accounts w/ Fedloan servicing. I called around XXXX of 2014 to reinstate my account and was told that I could have a forbearance put on my account which would be retro-acted to the beginning of delinquency. I specifically asked if this would also change the reporting of those months. I was advised that it would show as a forbearance on my credit for those months. I request that all of my accounts be updated to reflect XXXX 2014-XX/XX/XXXX 2014 to reflect as under a forbearance plan or current. XXXX of the accounts already reflect current for XXXX 2014 only. Additionally, I request that they remove the " customer disputes '' language/notation from ALL of my fed loan servicing accounts once reporting is fixed. To ensure proper research I direct you to the first conversation in XXXX and listen to the recorded conversation that stated my credit would show forbearance and no delinquency. I have reached out twice now with NO RESPONSE to get these matters fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Care credit credit card ( Synchrony Financial ) did not refund the charges made by dentist XXXX from XXXX located at XXXX, CA XXXX for {$2500.00} now they are charging me with {$5200.00}. On XXXX XXXX i went to see dentist XXXX for a replacement of a XXXX. XXXX broke my XXXX, which was not included in the treatment while he was removing the old XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} in CareCredit charges. I did not go through the treatment since XXXX broke the XXXX that was not part of the treatment. I cancelled the entire treatment but XXXX refused to accept it. I went personally to show him the XXXX he broke with his dental tool while he removed the XXXX, but instead of accepting it, XXXX started speaking to me in a violent manner. XXXX made me laid in his dental chair, and approached his face really close to mine and started screaming at me. Forced a XXXX. It only made it worse. Now is XXXX while i eat. The XXXX and needed to be replaced. That XXXX was placed a year earlier by XXXX XXXX, and did not need it to be replaced. I complaint with CareCredit credit card for the charges, to remove the charges. CareCredit did not removed the charges. I complaint several times to them, but nothing has been done since the incident with dentist XXXX from XXXX since XXXX XXXX, So, today XXXX XXXX, XXXX, CareCredit called me from CareCredit Collection to notify that i own {$5200.00} because of interest charges and financial expiration charges. And sent a statement of the {$5200.00} that I need to pay. Last time i made a payment was onXX/XX/XXXX for a {$240.00}, and it was when I owned only {$2000.00}. Now according to the statement I have to pay {$5200.00}. The remaining balance was due to dentist XXXX charges without providing dental services and without refunding the charges XXXX knew i was not agree on. Care Credit failed to correct, even when I filled several complaints through them and now they XXXX the amount charged by dentist XXXX. After calling many times, they only care of how much more care credit are over changing my care credit credit card. Now collection from CareCredit want me to start paying minimum balance of {$470.00} to pay the overcharge balance of {$5200.00}. Neither Dentist XXXX from XXXX not CareCredit are willing to refund the amount or correct the amount. Now Care credit collection are calling me to pay a service that I have never agree to and never received the product in this case the crowns or service. I did not went through any implant procedure with XXXX, due to XXXX abusive and aggressive behavior, XXXX placed XXXX of the XXXX ( XXXX ), but it was paid by my XXXX XXXX XXXX, it was about {$1500.00} that XXXX charged my dental insurance only for XXXX XXXX. XXXX address XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX 2016, I paid off the balance of my account of XXXX . At that point on XXXX XXXX I had a XXXX balance on the account. 3 weeks later, there was a finance charge assessed to the account of about XXXX . Thinking I had paid this off, I did n't use the account again and put that cred card in a drawer. 5 months later I get letter in the mail saying that they were closing my account and it was past due XXXX . They kept penalizing for a residual finance charge. I was never contacted about any sort of late payment by phone, text or email Every other credit card company I have ever dealt with has always contacted me and to let it go 5 months with out contacting me is crazy! Not only that but every other credit card company waves residual finance charges. I 'd have been more than happy to pay the XXXX finance charge, but they did n't inform me that they made a charge to my account ... by even something as a statement.

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 2016-11-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs, I need your help with SPS Company located in XXXX XXXX XXXX. In XXXX, I was assigned the relationship manager named XXXX XXXX, I spoke to him on the phone and asked questioned about an issue that SPS had not addressed issues with our home mortgage and was told he would send the corresponding paperwork for loss mitigation. No paperwork came to me. In XXXX a new relationship manager was assigned my case XXXX XXXX. Now the paperwork sent to me only includes relocation assistance. Can you help, I have been diligent in asking for SPS to solve problems with my loan : Problems with escrow, another party on my loan, problems with accounting of payments made that were above the amount due and unable to abtain paperwork for loss mitigation since XXXX. Only two weeks ago was I asked to send in paperwork but it was for relocation assistance - the sale has n't even occurred, and forms were omitted. I have asked for loss mitigation but at this point this company does not keep it word to send paperwork and forms where not sent that they require in the packet this past month. Also the paper work that they sent to you did not include the most recent loan papers for the only mortgage on this property from XXXX Bank, only paperwork from XXXX XXXX that is invalid. Thank you so much for looking into these issues and can you please help me so that a sale of the property does not happen on XXXX XXXX, 2016. My property has still not been listed this month by the Sheriffs Sales site as other properties in my area and XXXX and XXXX states the property is not available for sale, and I have received no response from SPS in terms of where it is listed. I did receive a letter from XXXX loans that they might be able to help with this, but I need SPS to start helping and sending all paperwork when requesting it and not sending letters without the proper forms included for loss mitigtion and making sure that my loan has been updated with the proper amount due and all charges to this loan are itemized and explained, and that they are sure that I have a clear title after XXXX made the mistake of listing another person on my loan. I do not have any other loans on this property!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent in multiple letters regarding this account that violates my privacy and at this point I am a victim of identity theft and I am righting this to get the following deleted from my reports Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1700.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$850.00}

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 2017-03-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. 
In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. 
I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. 
Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
mother passed XX/XX/2016 without a will she had property in MASONTOWN PA. her in tensions were to put the property in mine and my brothers name. she went to a place in her home town and paid to have our info added, but it did not happen, but there is a witness. any way since she passed, without a will, because the mortage company refused to speak with any one, we agreed that my sister would be appointed as the person to contact. now that the mortgage company required her to be listed as administrator or executor of the estate order to speak to her, she went through that process. now she has aurthorised my to resolve the issue. I have contacted the company three time to resolve the issue. I have asked to be added to the mortage as the successor, and bring the mortage current, and begin loan modification. they told my sister she had to be listed as the person to contact, by law in order to talk about the loan, and now the have refused my offer 3 time to bring the loan current without XXXX triggering the process, and the have refused to add me as the successor, I do n't understand why this is so hard, the loan value is XXXX. can you help company is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ACCT NO XXXX PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-29
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: Public record information inaccurate

Complaint:
I sent TransUnion a dispute letter on XX/XX/2021 asking TransUnion to validate my bankruptcy and they have not responded. I have sent a certified affidavit to TransUnion showing them the laws they have violated. I did not give written permission to TransUnion to publish a bankruptcy on my consumer report. TransUnion is violating my consumer right to privacy! I want this item permanently deleted from my consumer file and compensation for all the laws the TransUnion broke.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is trying to collect debt for XXXX XXXX for a timeshare that I no longer own as of XXXX. That I do not have title to, timeshare not used and included in XXXX discharged chapter XXXX bankruptcy. 
I could not owe fees for XXXX and XXXX and any future years because it was included in bankruptcy and relinquished. Please assist what they are doing is breaking the law and billing me after my bankruptcy. I no longer own timeshare at XXXX XXXX, inquire with them if you don't believe me. Please assist and remove.

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 2015-09-25
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this company has XXXX accts with different acct numbers and amounts I do n't know nothing about this acct, plz remove, this was open 2006 my credit is not good because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Revolut Technologies Inc.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to add a new debit card as a funding source to my account. This card is in my name and in my possession. They restricted my account and now I cant it use it at all because I can not provide proof of debit cards over two years old that I destroyed after they were expired or lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship

Company response to consumer: Closed with explanation