BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Immediate Credit Recovery
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: AR
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  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX  Dear Experian 15 USC 1681 Section 602 States I have a 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 an open end consumer credit plan as late for any purpose.

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 2016-05-31
Company: SCOTTRADE BANK
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX made ach tranfer of {$10000.00} +from a XXXX XXXX savings account to Scottrade bank account. Transfer was done immediately but Scottrade put a 4 business day hold on the funds. Most banks only have a hold for XXXX 2 days. A 4 day hold on funds is allowed by the Fed Reserve but is very unfair to customers who have been with a bank for several years. They get to use that money but customer does not have any access during that time. No one at the bank would even consider reducing the hold time so that I could have access sooner. That to me is not a very good business practice for any one.

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
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its been reported that I have two accounts open with capital one and then saying I am 90 days behind on payments.. I have two credit cards one with capital silver something I believe then one is XXXX XXXX XXXX the only two I have.. then I have never ever been 90 days behind so not sure if someone got my information or error somewhere but not sure where this information come from and saying XXXX years with that one I didnt have one XXXX years ago.. I think the two I have now it hasnt been a year yet but maybe alittle over but before those two never had a credit card ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Rewards

Complaint:
We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem, they responded by telling me that I had 3 days left to spend a total of {$3000.00}, not {$2000.00}. I reiterated the conditions of their $ XXXX/2 months promotion and asked them to honor the agreement. I still had the original promotion printed out and in my possession. They closed the account instead. Our FICO credit scores are in the low XXXX. This is not the first time I 've experienced this type of problem with Chase Bank. It will certainly be the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$14000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home and it was mortgaged through XXXX XXXX in XX/XX/XXXX. My monthly payment was {$830.00}. Chase bought my mortgage from XXXX XXXX in approximately XX/XX/XXXX. Since that time my monthly payment has steadily increased till now it is currently at {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My sister XXXX XXXX is mentally ill and her home was wrongfully sold at auction. 
She became mentally ill over many years and has progressively become worse. 
XXXX signed a mortgage on XXXX XXXX XXXX in that mortgage included a note drawn on the same day by XXXX ( now Well Fargo ). The note clearly shows 120 payments ( 10 years ) to be completed on XXXX XXXX XXXX. The deed drawn on the same day mistakenly show a completion date of XXXX XXXX XXXX! XXXX XXXX foreclosed in XX/XX/XXXX and sold my XXXX sisters home for {$6500.00} on a debt that was owed. They did so 5 years past the statute of limitations to collect. The statute of limitations in Alaska gave them 6 years ending XX/XX/XXXX! The debt owed was {$1700.00} according to them but nothing was ever recorded or sent to my sister of this amount owed. 
To be clear no payments were received past XX/XX/XXXX and they XXXX XXXX foreclosed on the deed not the note Further the bank had already taken funds from my sisters account by mistake in XX/XX/XXXX and she had not been repaid this money so she stopped paying so they could clear up their mistake ... they never repaid her. 
To be clear : Wells Fargo sold a worthless note in XX/XX/XXXX to XXXX XXXX ... and these XXXX along with XXXX XXXX and XXXX XXXX sold the home at auction. Breaking federal credit laws collection and state statutes covering statute of limitation on collections. 
The bottom line is this : 1 ) My sister was found by a court to be incompetent 2 years prior to the sale. 
2 ) They were 5 years past the statute of limitations to collect! 
3 ) They sold the home for too little. 
4 ) They had no rights to collect. 
My XXXX sister is now living in the streets because of their errors and with the type of XXXX she has its difficult for family to help her. We have now had to go to court to get conservatorship of her so we can try and right the wrongs these idiots have done to her! 
a {$200000.00} house sold for {$6500.00} on a debt of {$1700.00} that they had no authority to sell ... 
is there a federal agency that can please help us in this matter?

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 2016-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I paid off my mortgage to USAA Fed Savings Bank, XXXX XXXX, TX. XXXX is the loan manager. After many calls and XXXX certified letter, neither company has produced a recordable loan cancellation notice to the Court House as of today ( a year later ). I constantly get excuses and different people at both institutions who say they will help, but they will not return my calls, emails or letters. I need help in getting this notice as it is holding up my mother 's probate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: OK
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2015-05-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I canceled all automated payments and received confirmation of the cancellation via email. 

On XX/XX/XXXX I was once again charged on a billing cycle I did not authorize when the bill was not due until mid XX/XX/XXXX. 

The unauthorized payment was not fulfilled by the bank and now XXXX is charging returned payment fees on a payment that was never authorized.

Company response to consumer: Closed with explanation