BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Got a call from new york ( XXXX ) XXXX. They said they were from a settlement company a law office and if I didnt pay the settlement that I could be arrested as soon as tomorrow that I would lose my job I would go to jail and it would be reported to the credit bureau XXXX They said I had to buy a XXXX XXXX so I can pay them because that is all they took the settlement was for {$400.00} I went to the nearest convenience store to buy the XXXX XXXX gave them the information.Then I looked up the law firm and it came up as a scam I quickly use the {$400.00} for something else to use the money since I can not take it out at the ATM the XXXX XXXX prepaid card is in zeros now. I also got instructions to take a picture of the card front and back and the receipt and send it to XXXX XXXX phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, has been the individual in charge of handling my complaint against First Horizon Bank. XXXX XXXX has answered many of the questions presented and has cleared the air on whether there was a Paid-On-Death benefit for XXXX XXXX by sending copies of the Signature cards. Now, the only unanswered questions are : Where is a copy of the Court Appointed document the bank say they used to freeze my bank account and take money from it? And, where is the copy of the second, Power of Attorney? And, where is the stamped received date on the Death Certificate? You see the only way to get the correct answers about the dates in which the bank say they received those items is to have the bank submit their copies, as they did when they submitted the bank 's signature cards on the Paid-On-Death ( POD ). All of these records, the court-appointed order, the second Power of Attorney and the death certificate are public records. I already have a copy of the second, Power of Attorney and the death certificate, but none of the requested items have the bank 's stamped and received dates. These are the items that are being requested : 1 ) Court-Appointed Order 2 ) 2nd Power of Attorney 3 ) Death Certificate all with the bank 's received dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
In XX/XX/2022 I was contacted by someone claiming to be from XXXX who told me my computer was at serious risk. This person sent me a link to access my computer remotely and hacked my computer. This person placed an order with XXXX XXXX using my credit card to purchase an XXXX XXXX for XXXX. It was placed with an email account I m aware of and said the delivery was to my address. This person also stole the XXXX upon delivery because it was never received at my address. A claim was filed with XXXX who is unable to locate the package and has issued XXXX a claim. 

I am a XXXX XXXX who was the victim of a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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. 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 XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : 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.

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 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint last year. When I go online to check status the database has " several '' of my previous complaints intertwined with several of my previous and current complaints. The complaint I am trying to file a complaint today has to do with Bank of America. Bank of America has been practicing Predator Lending Tactics with my late daughter who was an XXXX Veteran. My late daughter ( XXXX XXXX XXXX ), AKA XXXX XXXX, suffered great XXXX among many other ailments until she committed XXXX. My late daughter was harassed by Bank of America tremendously and now they pick up where they left off with ME! On my previous complaint ( s ) I stated that Bank of America 's latest Predatory Lending Tactic was/IS to REFUSE my mortgage payments. Bank of America " knows '' that there's a current Bankruptcy case. Bank of America know that if they REFUSE my mortgage payments they can 1 ) ruin my bankruptcy case 2 ) raise my mortgage payment ( s ) 3 ) OBTAIN OUR FAMILY HOME THAT MY DAUGHTER PAID THE ULTIMATE PRICE FOR!!! Please help our family maintain our family home that my daughter fought so hard for. I have too many documents to fax, email etc., for this reason I would like to meet with someone personally so that they can make hard copies? XXXX XXXX for The Estate of XXXX XXXX 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 explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Yes I am currently back in the state of California after being in a different state for years. I have been unemployed for several years since 2007 I believe. I feel that the possibility of Identity theft and also hacking of my personal accounts has been present in my life and I have had enough of the feeling of being violated and I can not take it. I am currently starting to endure XXXX and XXXX health issues due to the stress of this nonsense and can not tolerate it. I thought I'd advise you of the possible discrimination occuring due to unreasonable, possible personal victimized opinion deriving from possible affairs from a relationship that I was currently dealing with in my life. If you could please take care of this for me or look into advising the different sources I would appreciate it. I do not know how to properly speak or notify via telephone communications cause I am too upset about the issue that's been affecting my life. If this could be taken into effect I would appreciate it alot. That way I could please move on and forward in life and not drown myself in such a ugly atmosphere of nonsense. Thank you

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 2018-01-29
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Derogatory collection on credit report - XX/XX/XXXX Harassased and threatened that interest would occur and that my credit would become even more damaged - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - Spoke with leasing manager of original creditor. No record of me being a tenant at the apartment complex, therefore she could not find if there any debts owed by me or if there were any debts at all. I contacted the 3rd party debt collector who then informed me in a passive aggressive manner that it did not matter that the original creditor could not locate any records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Investigation took more than 30 days

Complaint:
In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. This is a medical bill due to XXXX. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are wrong. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/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 2017-11-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complaint regards the American Express Blue Cash Everyday credit card. In XXXX AmEx offered a sign-up bonus in which if you spend {$1000.00} within 3 months, you are promised a {$250.00} cash credit, as long as your account is in good standing. I opened up my Blue Cash Everyday card account in the first week of XXXX XXXX and met the threshold by XXXX/XXXX/XXXX, spending {$1300.00} on qualified purchases. I paid it back in full well within the 3 month period, thereby meeting all required conditions. However, after numerous calls, they keep repeating that it is being researched by specialists and my request is still pending. Every time I speak with an AmEx employee, they tell me I will definitely get my bonus, but after 6 months of calling them over and over, they tell me it is still pending and refuse to send me any official notification of such. These illegal practices are ongoing, since at least XXXX, and this is criminal behavior. 

I know from research on CFPB itself that thousands of consumers have made this exact complaint, and that AmEx knows it, and furthermore that the company has already been fined XXXX XXXX dollars to pay to 250,000 customers who have been defrauded by American Express ' illegal business practices. They have been doing this willfully and criminally, since at least XXXX and get away with it the vast majority of the time. Unfortunately CFPB 's statement that " 97 % of consumers get timely replies when we send their complaints to companies. ", does not take into account that In the case of American Express, a timely reply means nothing, and gets you nothing. I urge all who have been preyed upon to keep fighting, and pursue a class action suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX  we put a pause due to hardship during XXXX Tenants do not want to pay rent and because of the laws with eviction it has been hard to pay mortgage

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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Todays date XX/XX/XXXX- Went to use Bank of America XXXX XXXX at XXXX XXXX  XX/XX/XXXX - declined multiple times - called BOA they had no info just card blocked. Contacted them asap from home- went over all charges, rep decided to send me a new card. Said all was fine. In the night I checked my mobile banking and see two transactions - XXXX ACH PAYMENT RETURN {$450.00} and ACH PAYMENT RETURN {$900.00}. Since then I have been trying to get this resolved on my own with BOA. Not a single person has either understood this, tried to help or rectified the situation. New card comes XXXX. I did not authorized these transactions I do not know what they are. I know I currently owe around {$1200.00} on this XXXX card and not it is reflecting that is owe over {$2600.00}. These transactions are not able to be disputed by myself on the computer. It must be done by the bank or so they say. I have spent countless hours ( 7 yesterday ) on the phone trying to get it sorted. Ive been the victim of fraud, BOA never contacted me at all - not once to question these odd transactions. I have determined that I paid {$500.00} on XX/XX/XXXX & {$1000.00} XXXX from my BOA checking account on this card XXXX. These PAYMENT RETURNS are close in amounts and were made XXXX.. Anyway after yesterdays 7 house here are two ref # I was finally given - I have NO IDEA if they mean anything. Every time I think Ive made progress I wind up back at square one. XXXX & XXXX with this phone number XXXX claim filed XX/XX/XXXX so she said. This morning Im going to find a BOA branch that is OPEN somewhere near here and go in person. Im sure thats going to be fun. I did not authorized any of these transactions, I have no idea how something like this could happen. Its saying I owe {$1300.00} more than I do. BOA has done ZERO to help me. I am totally at my wits end and am filing this in hopes someone somewhere can do something. My name is XXXX XXXX XXXX XX/XX/XXXX ss XXXX address XXXX XXXX XXXX XXXX XXXX NJ XXXX - phone 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 monetary relief
Consumer complaint received 2018-02-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account status incorrect

Complaint:
You have on the credit reports that the accounts with : XXXX XXXX XXXX XXXX XXXX XXXX are closed. This caused my credit scores to go down.These accounts were not " closed. '' These accounts were " paid off ''. Please check your records and change my credit report to read " paid in full. '' I have tried very hard this past 2 years to get my credit in better shape and using " closed '' instead of " Paid in full '' are lowering my credit score. Again, please check into this and correct this report. Than k you so very much for helping me with this matter. I do not need another loan, however, I would like for my credit report to show numbers that prove that I have been working hard to increase my credit s ; core and pay my bills in a timely manner. 
Again, thank you for anything you can do to get this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
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:
The problem is on two sides. It rests with both Experian and XXXX XXXX XXXX. On the XXXX XXXX XXXX XXXX, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with XXXX XXXX XXXX in XXXX of XXXX, they didn't just report to Experian that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince Experian that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both Experian and with XXXX XXXX XXXX to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the Experian personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).

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 2022-06-14
Company: Santander Consumer USA Holdings 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: Reporting company used your report improperly

Complaint:
This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!

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 2019-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The XXXX XXXX  company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to  agencies monthly.

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