BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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 [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX [ Account # XXXX ]XXXX XXXX [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

In my previous complaint you responded that you needed my identification to proceed with my demand. I have attached my drivers license with my address to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received calls that I had charges on credit cards that I didn't open. Was told by caller that someone else opened credit cards using my information. Said SHE ( foreign accent ) needed to call my banks to report the charges. Gave name of bank. She said she called the bank, but when the call went thru, a foreign accent male was on the line. Couldn't understand him. Told him to call back & I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed my final XXXX XXXX XXXX ( after XXXX years of service ) when I terminated my account on XX/XX/XXXX because they refused to provide a prorated amount based on date of cancelled service. They continued to bill for the entire month of service XX/XX/XXXX - XX/XX/XXXX, even though my account was cancelled and transferred to another XXXX on XX/XX/XXXX. XXXX turned over the debt to a debt collector XXXX, XXXX in XX/XX/XXXX. I submitted a partial payment for the period of time I had service. This payment was refused because it was not for the entire amount shown. I continued to dispute the debt withXXXX, XXXX and refused to pay. I provided copies of bills showing the billing period and asked them to go back to XXXX and have them provide to me in writing why these charges were valid. XXXX, XXXX notified me stating " the client '' has not changed their position. I then received a new notification from a new debt collector McCarthy, Burgess and Wolff the end of XX/XX/XXXX, starting the debt collection process all over again. I paid the bill in full because I no longer want to be bullied or harassed by XXXX or any company representing them. I submitted a letter to McCarthy, Burgess and Wolff stating the payment was under protest and I provided all back up documentation again, showing the bill in question and when the services were terminated. XXXX XXXX is a bully and their customer service is non existent. I am appalled that they can get away with this type of behavior. I have always paid my bills on time. I feel violated that my only course of action was to pay a debt that I do not owe in order to have this matter settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The person calling from XXXX is stating to be calling from XXXX XXXX XXXX collecting a debt. Contacting XXXX at their real phone number. They stated that it wasn't them. 
This individual is pretending to be XXXX XXXX XXXX trying to get personnel information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: National Principal Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
T his company, NPG, has repeat edly called and harassed me and my elderly mother. They have called my husband. I called them twice and when I disputed the false claim, they hung up on me. They emailed me a docusign file and asked me for my credit card and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls about a debt for quite some time. not sure about dates. I have sent multiple letters to stop etc ... amounts vary.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: COAST PROFESSIONAL INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: FL
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:
The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago. 

Unfortunately XXXX XXXX is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Synovus Bank
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Finance of America Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought a house and got a mortgage for {$350000.00}. The appraisal came in at {$440000.00}, so the loan is less than 80 % of the home value. The title company said the lender needs to remove the PMI, but they said they wont remove it for 10 years regardless of the appraised value. What is the rule about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to sell an item through marketplace, the buyer requested a transaction through XXXX. I was not familiar with XXXX so when I received emails from them they seemed legitimate. They were asking for more money to be put in to make it a business account. I unfortunately fell for the scam. I lost {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 .it also states 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 explanation
Consumer complaint received 2023-02-26
Company: Fay Servicing, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to express my concerns regarding the handling of my borrower assistance application by Fay Servicing. On XX/XX/2023, I submitted a request for assistance with my mortgage payments, as I was facing financial difficulties due to my recovery from XXXX. I was prompted to submit additional check stubs as requested by a letter received from Fay Servicing. The additional check subs were submitted via email on XX/XX/2023. 

However, on XX/XX/2023, when I called to make a payment, I was informed that Fay Servicing would no longer accept payments from me, despite the fact that I have not been sent a demand letter. I found this action to be particularly troubling, as I have never been afforded an opportunity to pay using their online portal or pay-by-phone options. 

During my attempts to engage with Fay Servicing, I was hung up on twice. I subsequently called back and requested to speak with a supervisor. Unfortunately, the supervisor I spoke with answered in a demeaning tone and informed me that the only payment they could accept was the one that was pending, in the amount of {$700.00}. 

As a result of these actions, I believe that my rights as a borrower are being violated. I have not been given the opportunity to make payments, nor have I received any response regarding my borrower assistance request. It is my belief that Fay Servicing is illegally forcing me into foreclosure by not allowing me to make payments. 

I have also shared with Fay Servicing the challenges I have been facing as a result of my XXXX and my need for assistance with my mortgage payments. However, their response to my situation has been unsatisfactory. 

I request that Fay Servicing take immediate action to rectify this situation and provide me with the necessary assistance I require. I am hopeful that we can work together to find a solution that is mutually beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, and this Bankruptcy isn't mine. Please remove them.

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 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Capital One refuses to interact with slecific third party money services. Many services use a service called XXXX to get information so consumers can use their product with ease. But some banks, like Capital One, are really dragging their heels in working with XXXX  to have issues resolved. 

Since first downloading XXXX in XXXX of XXXX, I have had these problems. My specific issue lies with the inability to link accounts on XXXX. I called and talked with both Capital One and XXXX in XXXX of XXXX. Capital One assured me they were working with XXXX  onna solution but it has been months. I have seen no news of " working together '' only a growing list of people experiencing issues with Capital One 's grip on financial information. 

I greatly enjoy the benefits of Capital One credit cards, but this specific head ache has me looking to switch to competitors simply for the freedom of my own financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa

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 2017-05-26
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I lost my job at  XXXX   XXXX   XXXX  in  XXXX  because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of  XXXX , but my Nordstrom credit card has piled on  XXXX  in late fees and  XXXX  in interest, the card only had a  XXXX  credit limit and only at  XXXX  in   XXXX   XXXX     but is now at  XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to  XXXX  for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of  XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of  XXXX  to make a payment. My bills are currently  XXXX  a month more than my monthly income. I also want all contact from them in writing by mail only!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.

Company response to consumer: Closed with explanation