BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Monday XXXX17 at XXXX there was a transaction charge on my american express serve prepaid card for {$100.00} from XXXX in XXXX, IN. I contacted american express serve XXXX at XXXX and they explained to me there is nothing they can do while the charge is still pending. I must wait 24-48hr for the funds to post, then call back and file a fraud complaint charge. Then I must wait 10 business days for a provisional credit, while compliant is pending up to 45 days. I explained to company that was my only money and I just received my direct deposit into the account Monday XXXX17. I have my physical card in my possesion, only XXXX card per account and I live in XXXX, WI and was at work when the transaction happen. The customer service representatives were rude, careless and kept me on hold for 45 minutes. I must also go through this process again in 48hrs. I asked to whom may I file a complaint, XXXX the supervisor told me they do n't have a department for complaints. He also stated there was no one that I could speak to above him. Now I am broke, needed those funds to make ends meet. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with PROCOLLECT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last week XX/XX/2021 - XX/XX/2021 Received a " Statement of Account '' in the mail from the following company : A.R.M Solutions, XXXX XXXX XXXX, XXXX, CA XXXX Statement claims I owe {$18.00} for a XXXX XXXX subscription XXXX I have NEVER had a XXXX XXXX subscription. 

I did some basic research about A.R.M Solutions and found it to be known as a SCAM company. That is why I chose not to make contact with them sensing I would just get the round around and pressure to pay what is not a legitimate claim. 

Filing complaint to ensure this false debt does not get on or have it removed from any and all credit reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
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  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: High Point Asset Inc
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX XXXX 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 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX  AUTO FINANCE IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX  XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2021-09-29
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
National credit systems has a XXXX balance from a old apartment complex I was living at.. due to coronavirus my job was affected and I lost my job .. fell behind in my rent and when I did find a agency to help pay the back rent XXXX XXXX did not accept it instead they terminated my lease..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.

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 2020-05-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX, XXXX filed an Affidavit in a court case in XXXX County, Florida, that states my note and mortgage DO NOT incorporate XXXX Servicer Guidelines. ( My Loan Servicer is  Nationstar d/b/a Mr. Cooper ). This Affidavit was filed to prove XXXX has no obligation to honor Hurricane Irma Assistance protocols that are outlined in their Servicer Guidelines, as I have demanded they do. 

However, a year earlier, on XX/XX/XXXX, in another Court Hearing in XXXX County, XXXX Counsel had insisted there had been no protocol breaches because the Servicer Guidelines say so, and attached two pages from a Servicer Guideline to support that position. They used the very same Guidelines that they claim a year later are not even applicable to my mortgage, completely contradicting themselves in doing so. Obviously, both positions can not be true at the same time. 

This could easily be considered as Perjury, and is going to be addressed in Court. 

I ask CFPB to issue a finding of fault in this matter, and sanction XXXX and their Loan Servicer, Mr. Cooper for this dishonest and prejudicial action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX  and XXXX  is reporting incorrect information on my credit profile. There are two creditors listed with the amount of {$280.00} and {$240.00}. Both creditors are in void without proof of written contract signed by me. These debts doesn't belong to me.

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 2017-11-21
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mortgage with Citizens - XXXX balance. No issues there. Then I accidently sent another large payment of $ XXXX ( intended for another mortgage ) to Citizens on XX/XX/XXXX. After realizing my error two days later I called Citizens to notify them and understand their procedure. I was told that since the balance was XXXX, they would be mailing the check back to me. Instead deposited the check on XX/XX/XXXX and posted it to the account under suspense. On XX/XX/XXXX they XXXX  out the account again. After multiple calls with no answers, I was told they put it in the mail on the XXXX. It is now XX/XX/XXXX and once again, no check in the mail. After multiple ADDITIONAL calls I still do not have my money. It's not posted to the account, it's not in the mail, it's nowhere and Citizens will not help me. They've put me on hold, they have hung up on me, they have told me a manager would call me back, they have told me its in the mail, etc. This is absurd. No one will help me and the will not give back my money- they have kept it for 19 days so far. Keep in mind, the mortgage was PAID OFF!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: General Motors Financial Company, Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle. 
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month. 
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.

Company response to consumer: Closed with explanation