BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: Google Compare Credit Cards Inc.
State: CA
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:
OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team

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 2016-01-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the American Express Card XXXX XXXX 2015 and was promptly Denied the same day. I received there written response on XXXX XXXX 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( XXXX ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at XXXX and XXXX XXXX Bank XXXX and XXXX XXXX Bank XXXX 's, look i would be quiet and not make a case if they were n't so disingenuous in there decision process, I make decent money so my question again, is are they back to RED LINING in there process of determining credit worthiness? as they have been known to do this in the past to XXXX applicants ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: MO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2021-09-15
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For months I have been receiving billing statements for a Westlake Services , LLC ( dba Westlake Financial ) account with the name XXXX XXXX XXXX attached to it. These statements have been sent to my email address in error. For some reason my email has been attached to this person 's name. 

I have tried contacting customer service repeatedly. The best they could do was provide a customer service email to request that my email address be removed. I have communicated the issue in phone conversations and emails. I have blocked the address they send the financial statements from. To no avail, I still receive these billing statements from Westlake Services , LLC ( dba Westlake Financial ). I am not nor ever have been related to or known a XXXX XXXX XXXX. 

I am writing this complaint to protect my identity from theft. If there was a breach of information, my email would be connected to this person. I consider the constant emails harassment as Westlake Services , LLC ( dba Westlake Financial ) does not and will never have my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple harassing, threatening calls at all times per day without any written notice or claim of purported debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: MI
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:
I had a credit card that was charged off in XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XXXX. A correction was requested on several occasions but the same information is being updated.

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 2018-05-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have been trying to get a loan modification from Wells Fargo for years now we have made eight months of trial payments and have sent them numerous documents and they keep asking for the same documents all though we have sent them numerous times recently they mailed me a letter denying the loan modification but they will approve a short sale as you probably are aware Wells Fargo has been sued and fined numerous times for there fraudulent and illegal practices I dont understand why they denied the loan modification we have shown the ability to pay the mortgage and provided them with everything they asked for thank you 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 2015-06-13
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Experian Information Solutions 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:
I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES 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 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 XXXX > MULTIPLE DIFFERENT INQURIES

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 2021-09-15
Company: EQUIFAX, INC.
State: GA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR YEARS MY FREE ANUAL CREDIT REPORT FROM EQUIFAX, THEY REFUSED INSTEAD REQUEST A MONTLY PAYMENT TO GET ACCES TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS.  Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call  center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, 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 2021-09-15
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted Mariner Finance to resolve the amount and was advised to contact the collection agency XXXX XXXX XXXX XXXX. Contacted XXXX XXXX XXXX to resolve balance owed from Mariner Finance in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from Mariner Finance to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to Mariner. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I sent written correspondence to National Credit Systems as well as their attorney via registered mail informing them of my correct address and asking for verification of the debt. TO DATE, I have yet to receive any verification of the debt or any written correspondence at all. Today, XX/XX/XXXX, I contacted National Credit Systems successfully after many unsuccessful attempts and was treated with complete contempt, despite all of my attempts to be professional. I was put on hold abruptly on many occasions and given excuses about there being phone issues, " a skeleton crew, '' and I was barely able to understand what was being said because the phone lines kept cutting out on the other end. I could n't even get my full account number and was told hastily by XXXX that " he 'd get back to that. '' I informed XXXX that in the six-seven months since my written correspondence had been sent to NCS, I had received nothing in return, despite multiple letters that I had sent and confirmed delivery of, via USPS. XXXX intimated that perhaps I had not provided NCS with the correct address, although I did provide them with the correct address and have received all mail from that address and continue to do so to date. I updated NCS with my current address even though XXXX implied that I should give them a better address. I will continue to send written correspondence to NCS as well as to the credit bureaus asking that this debt be removed since NCS has been unable and unwilling to do anything other than state that their " computer systems '' show that they are sending correspondence back to me, none of which I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.

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 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Collection company claims to have submitted for removal of account. Then XXXX has it back in the file and neither XXXX or collection company will attempt to remove it again .... 

Account is more than 7 years since last payment. The collection company has used the open date of collection or charge of date as last payment date. 

See attached most recent XXXX report. 

Also attached are copies of my XXXX report showing it was removed as originally agreed/proved it was more than 7 years since last actual payment. Not opening of collection account etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
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 in letters regarding inaccurate reporting of false items and late payment history on my credit report. I feel like I'm being ignored for my disputes. Also, there were inquiries that we're not authorized nor I'm not even aware of. It's been more that 60 days since I sent in those letters and I don't receive any notification nor results of any Investigation taking place.These are all deceptive practices by the bureaus.

Company response to consumer: Closed with explanation