BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: Westlake Services, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I receive a letter from Barclays in the mail regarding a credit card application is open. I did not apply for a credit card call Frontier Airlines Credit Card. The consumer reporting agency as XXXX. 

Daye XX/XX/20 Application # 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 2020-04-18
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:
Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, Experian and XXXX, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my Experian credit report, I contacted Experian on XX/XX/2020 by US mail. Experian responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with XXXX  in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!

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 2020-08-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had an account with XXXX which was paid and XXXX refuses to remove the outstanding balance or update my credit report. I have reached out to XXXX on multiple occasions to address this issue and their continuing to report I correct information on my credit report. My payment was confirmed with the below attachment and XXXX continues to report false information. This account was dismounted with Experian and they confirmed that XXXX certified this account has not been paid

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 2020-01-12
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan comes with unemployment insurance, which for the first time in my life I needed to file as of XX/XX/2019. I called the branch to get help with filing a claim to ensure my loan payments are kept up. The loan was based off of my pay which has drastically changed with unemployment. I was transferred to XXXX who works in the branch where I got my loan after the girl who answered the phone did not know how to help me. XXXX was not helpful and gave me no instructions on what to do. After I spoke with him he actually called my phone back and left a bullying voicemail message. I called the corporate office and explained this to the lady, who said she would have the district manager reachout. To date that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: NY
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 FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: NY
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 FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to have my account unfrozen and have access to {$25.00} in my Venmo account. I have sent them information they have requested and I have asked to speak to a supervisor. At this point, I asked for my account to be closed and mail the balance to me. I would like to ask for damages of {$100.00} also due to the severe inconvenience I have been caused by this delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: National Budget Planners of South Florida, Inc
State: MN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I enrolled in National Budget Planners of South Florida debt consolidation program ( aka : XXXX ) a couple of years ago and paid {$300.00} to get started in this program. I paid {$59.00} dollars per month for approximately 2 years, thinking that their service was helping me consolidate my loans into XXXX payment of {$59.00} dollars per month. But I found out later that they were taking my money and not doing anything to help me consolidate my loans. This got my loans into a deliquency status. Also, I am a vulnerable adult with XXXX and XXXX. I feel like they took advantage of me and that my loans went into deliquency because of this. Also, my recent credit report shows that I lived at their company address in XXXX, XXXX, which is incorrect, as I live in XXXX, XXXX and never lived in XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank called me at XXXX in the morning today Sunday XX/XX/2020. This us a violation of the FDCPA act which allows calls of XXXX to XXXX of the consumer 's time zone

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 2017-04-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Comenity Ba nk,  XXXX   XXXX  credit card continues to be a problem. They do not show an upcoming payment in their website ( account management ), and then with only a few days advance notice, demand a payment which they show as " past due. '' On   XXXX   XXXX   I wrote to them, asking when my next payment would be due and for how much. They responded and said they did n't know. Now, today,   XXXX   XXXX  , I logged into the account and they show the payment as past due and request {$380.00}.     The payments they request are excessively high and beyond the amount that I can pay, both for this card and the  XXXX   XXXX  account ( approximately 10 % of the total balance ). They do not show a payment due, and then only show a payment as past due, charging additional fees and penalties. Using this scheme, I will never be able to pay off the credit card and I can not keep up with these payments.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas XXXX and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello- On two different occasions Regions bank claims they never received our payment. When it happened the first time, we simply went to a branch. Today, because its convienent for them, their branches are closed. When we called on the Regions greenline phone, we were told our " credit card/credit line could only be handled by a branch loan officer ''. 
We are making this formal complaint because Regions does not allow us to email them. Regions does not have phone staff in place to assist us with our issue. Regions branches are closed to anyone who is not a current account holder. Our current bank paid Regions on XX/XX/20 {$1000.00}. Regions didn't cash our check until XX/XX/20. To this day, Regions has NEVER credited our account for the payment.Regions has also illegally attached a late fee of {$49.00}, and still shows us as late!

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 2022-08-17
Company: Experian Information Solutions Inc.
State: MO
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:
Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2020-08-15
Company: National Credit Adjusters, LLC
State: TN
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:
This company XXXX XXXX reported this account on all my credit reports originally with XXXX XXXX XXXX opened back on XX/XX/XXXX. This account was disputed and removed from all of my credit reports sometime between the original date reported and XXXX. On XXXX, XXXX XXXX, this same account was added back to two of my credit reports under National Credit Adjusters. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed and it was removed from my other reports this year but they didn't remove from my XXXX   report. I have continued to dispute this information but they have failed to update the other report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inaccurate information on my credit report. I have no knowledge of this account or to whom it belongs to. I've reached out to them directly asking them to remove this account.

Company response to consumer: Closed with explanation