BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX XXXX XXXX from a dealership named XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ XXXX, back in XXXX. I paid {$6000.00} cash the day I purchased it and financed {$7900.00}. 

I was told there were no mechanical problems, he ( XXXX the car dealer ) had his mechanic check the car thoroughly inspect the vehicle and it was in perfect mechanical shape. 7 months later the engine blew due to a manufacturing defect that XXXX lost a class action lawsuit over. XXXX denied responsibility and told me I had to contact XXXX XXXX, which I did and they put the responsibility back on the car dealer because there was a 10 year window to have the car fixed for free, which was never fixed, and the window closed about a month and a half before I purchased the vehicle. I contacted XXXX about this to never hear from him again. 

Also, XXXX XXXX told me I needed to get the vehicle diagnosed through an official XXXX dealership, which I then did. I brought it to XXXX XXXX. They conveniently misdiagnosed my vehicle not once but twice, told me I'm under the mileage for my warranty, so we waited 2 months for my warranty company to come out and deny my claim for mileage reasons. Then after being lied to, XXXX proceeded to try and extort me for their misdiagnosis, telling me I owe {$1500.00} for the XXXX hours of labor they put into the car. I told them I don't agree and I will not pay for their mistake that has cost me already thousands. They have had my car now over a year, close to a year and a half. 

I received a phone call from the woman ( XXXX XXXX XXXX at XXXX XXXX who tried to extort me, telling me that due to a state inspection they had, they decided to put the engine that they wanted {$1500.00} for taking out of the vehicle, back into the vehicle so they didn't get in trouble and when would I be making the payment to release my vehicle... I was very angry, at the end on the phone call she told me that she would be charging me a storage fee daily. 

I'm so appalled by both of these companies, they've completely screwed up my entire life, I had a XXXX XXXX XXXX before all this, now I have almost {$20000.00} in debt for a vehicle that should've never been sold in the first place. Please help..

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 2023-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Credit Karma, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma is a very deceptive organization. They say that we are pre-approved and then deny us for all cards they say we are pre-approved for. I have over 200 inquiries on my credit report. This is going back from 2018 to present. I am homeless now and can not even get a place to live due to this and the low score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Spring Oaks Capital, LLC
State: AL
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:
The below companies have my information and I don't have accounts with these company and because the are on my consumer report it is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the amount in full on XX/XX/XXXX as it was scheduled by American Express, I was told by American express on XX/XX/XXXX verbally on the phone ( recorded line ) that my account would not go into collection yet as I still have the opportunity to pay in full as the reason for my delay I was waiting for my cash out refinance to go through, I explained that I would need a couple weeks for the refinance to be completed. Once it was completed, I paid the amount that they told me to pay after they were to remove a late fee. But instead they have sent my account to collection and now my credit has taken an unnecessary hit. I would like it removed. I am still resolving the issue of an additional interest payment added to my account due to the late fee that was promised to be waived never got waived as of XX/XX/23. Please see attached bank statement showing the amount paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
my name is : XXXX XXXX FIRST NAME : XXXX LAST NAME XXXX. 
EXPERIAN HAS XXXX DIFFERENT NAMES IN MY CREDIT REPORT ON THEIR WEBSITE. 
i STRONGLY DISAGREE WITH EXPERIAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: VA
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:
ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CREDIT PLUS FACTUAL DATA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My information/identity was used without permission or knowledge. I am filing this complaint to help get these things removed from my credit, to help rebuild my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a payday loan & used my debit card for payment? The bank let some charges go thru & it ended up with 5 new debit cards within XXXX! This caused my bills to go late because if bank error. No one contacted me abt the loan, no voice mails nothing. Just got new card again & was looking at my account & noticed checks from them sent to my bank & got large sum of money twice. Now here is the part I dont like when I accessed my account I was in collections & default.? they took money from my account not debit card? I did not give them permission to go to my account! I contacted my bank & was told to contact company & i did so hopefully this can be resolved! Dont put me in collection & then rob my account of hugh amount , without my permission period. I hope this helps someone else. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold several times and ended up being serviced by US Bank. Overall, the experience has been fine, but I want to pay my home insurance and property taxes directly instead of having them escrowed to have control of my cash flow and realize the interest on the money over the year. I contacted US Bank and they want to charge a fee over {$600.00} just so I can my bills myself. I think this is incredibly unfair especially as I never agreed to their terms and have been forced into them servicing my loan. All I want to do is stop having them escrow by taxes and property insurance premiums.

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 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023 I put {$20000.00} from my XXXX XXXX XXXX business account into the Marcus by Goldman Sachs CD. XX/XX/2023 they emailed me to say the account had been closed but did not give a reason. I received a phone call around that same date to say the money would be refunded to my banking account within 3-5 business days and they would not pay me accrued interest. I have called once per week since then letting them know I have not received the money and they keep telling me it will be in my account in 1-3 business days. None of the money has been returned. What it feels like is I've been robbed of {$20000.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When XXXX hit in XXXX of 2020, SPS offered deferment. I accepted it, as my hair salon business revenue went to zero overnight. Once deferment was up after XXXX  days SPS did not offer me any options but to pay the last three months and current month. That was no possible due to loss of income due to covid. I called SPS and they suggested I apply for mortgage assistance/ modification. They said i was a perfect candidate and not to worry. we began this mortgage assistance around XXXX of 2020, I was very prompt in getting the required documents, however SPS seemed to either struggle with understanding the process or dealing the process with asking question over and over that had been answered in documents or on phone with a rep. SPS has denied me mortgage assistance for the second time, they say I do not have enough net income for repayment, that is not true. I have offered to pay {$50000.00} upfront and begin a XXXXmoth repayment. 
They also say the protection time for being impacted by covid has passed. How has it passed this review was opened in 2020 and from what I have witnessed SPS has delayed the process. 
My home is very important to me, I tried to begin paying in 2020 however I was not allowed due to being in default, I was in default because SPS offer me deferment then asked me to apply for mortgage assistance. 
SPS has not acted in good faith in this process, they have delayed the process with elementary inquires. It could be the investor not the mortgage management company SPS, who ever is at fault for causing this process and or review to take over 3 years has not treated me fairly. 

All I want to do is pay my mortgage, come up with a resolution so that I can get current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America app pop up on my mobile banking app said I was PRE approved for a secured credit card, and when I applied I was denied which hurts my 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 2023-08-16
Company: Maximus Education, LLC dba Aidvantage
State: NC
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:
My student loans are now affiliated with Aidvantage. I have been trying to make payments on my student loans since XX/XX/2023. Every time I submit a payment I get an email saying it has been confirmed. When I check back 2 or 3 days later. The payment has been reversed and has not left my account. I have to keep making the same payments just for them to be reversed. Advantage states that something is wrong with my card. I have deleted the card from my profile and reentered both the account and routing numbers but the problem persists. On XX/XX/XXXX, I called the company itself and did a phone payment, I hope that works as I have run out of options. If this continues to happen, my student loans might not get paid on time and I will be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a account with CitiBank around XXXX weeks ago, I got my debit card and I started receiving payments to my account, I received three in total, a {$2000.00} XXXX payment, {$4700.00} XXXX payment and a {$4500.00} XXXX payment. My first time having a problem with Citi is when I went to withdraw my second time at the branch and was denied by the ATM, I received notifications questioning the activity and replied Y to a text prompt verifying it was authorized by me so I tried again and It denied me still, I called citi and they put my account under review for no reason. XX/XX/15 I go to the bank to make a withdrawal of {$4000.00} dollars they denied me and told me I would have to get on the phone with the fraud department to verify a few questions which I do and answer all correctly and the representative I was on the phone with told me she would remove any blocks and holds on my account and shortly I'm put on hold and transferred to another representative that was rude and didnt make sense and told me I had to wait on a reference letter. That same day I attempted to XXXX XXXX dollars out my account since the branch denied me and I still had my online access but it didnt let me, I received a fraud alert and verified it was authorized by me shortly after that my online access was revoked so I call the bank again and I get on the phone with a rep that tells me I just have to go to the branch to unblock my account then everything will be fine, today I wake up to my account being closed within 60 days with no reason at all, Ive called them multiple times to verify the account activity and questions which correct and legitimate and authorized by me. I need help to either reopen my account or receive my total account balance immediately My Name is XXXX XXXX My Account Number Is 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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request that you stop the wage garnishment that is currently being imposed on me. Theres nothing on my 3 credit reports ( XXXX, XXXX, and XXXX  ), showing that I owe a Portfolio Recovery Associates LLC, no outstanding bills on my current accounts and closed paid accounts. My credit reports states that all my bills are paid in a timely manner and shows closed accounts paid. I cant afford to pay any company or person for any unknown unfamiliar bills/debts. Portfolio Recovery didnt provide explanation, description, or details of who, when, what, how, and why do I owe them or what vendor or business owner, whoever it is. I believe Portfolio Recovery LLC is violating one of my rights, harassing me and trying to bully me by taking my money without giving me specific descriptive details of what year, what it was that I supposedly had purchased or bought or what business owner do I owe? 
XXXX XX/XX/XXXX I received a strange, stressful and unknown court mail that a Portfolio Recovery is garnishing my wages with no details no description no $ dollar amount, no name of who or what I supposedly bought or purchased or what bill did I not pay? There's NOTHING showing on my 3 credit bureau reports of having any outstanding purchases no outstanding bills owed to any company or business. I thought this was a scam, false, or fraudulent documents. 
XXXX XX/XX/XXXX I received another strange unknown stressful mailed court document of Portfolio Recovery to garnish from my wages an unknown amount of {$1800.00} ( a bill I have no clue or reason why ). In XXXX ( XXXX years ago ), my purse was snatched by XXXX men with all me and my kids ' credit cards, social security cards, and bank cards- maybe this is some type of identity theft from somewhere. I reported that incident to all 3 credit bureaus many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account with Chase, it was closed with no info. 

I tried to open an account online and they said they couldnt verify my identify. 

Would like assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING LLC is stating I owe XXXX I received this notification on my credit report without any warning. 
I am not sure where it is from. 
I sent a certified letter of Debt Validation on XX/XX/XXXX. 
I am not sure what this is and it is hurting m

y credit score. I will attach this letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I tried getting insurance for the XXXX  homes I own. The homes are XXXX miles apart and both suffered hail damage. My XXXX XXXX home has damage in XXXX while my XXXX XXXX home had damage in XXXX. Now I am ineligible for getting insurance because Ive had 2 claims. These homes are XXXX miles apart. The insurances, XXXX XXXX, says Ive had 2 hail events therefore I can o t be insured. In addition my identity was stolen in XXXX and Im still dealing with the fallout and damage to my credit score. I am way above average in net worth, yet I cant get insurance for my houses. I need help Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TD BANK US HOLDING COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Nordstrom Card Services and Target Card Services, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.

527 1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
this person is tryna collect and i was XXXX XXXX for XXXX years i dont owe any debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Revolut Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chargeback for two transactions XX/XX/XXXX and submitted XX/XX/XXXX for XXXX at an atm that withheld my funds, Bank did not respond and failed to provide a credit within XXXX  days which is the law and can be proven by Reg E. failure to do so is against the law. please provide my credit back to my account or I will take this higher to courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Resurgent Capital Services L.P.
State: MI
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:
I am not liable for this debt with XXXX XXXX NA. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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. 1681s-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