BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 2021-11-15
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Advanced Collection Bureau at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance with Bank of America in XX/XX/XXXX. Recieved conditional approval on XX/XX/XXXX. After several weeks of communicating with XXXX XXXX, Loan Officer, and XXXX XXXX, Home Loan Specialist, they XXXX abruptly stopped responding to my e-mails and phone calls. My loan was ultimately cancelled for " failure to respond to requests ''. After several weeks of calls and e-mails, I was put in contact with XXXX XXXX, VP Operations, who had XXXX XXXX contact me. XXXX XXXX informed me that despite the fact BOA was in error, I would be required to reapply for the loan, which I did. The XXXX application was conditionally approved on XXXX. Even though XXXX XXXX had promised to do everything possible to expedite the new application, the scenario in processing the new loan was almost identical to the original application. The XXXX loan was also cancelled due to " failure to respond to requests ''. Ironically, the cancellation happened on the same day that I faxed the latest information BOA had requested. For the last two weeks I have been in correspondence with Processing Manager XXXX XXXX, who also promised to " get personally involved '' in closing this loan. Her assurances, like those of everyone else I have been in contact with at BOA, have been worthless. I am at this time waiting to hear from her as to the status of this application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint Details On XX/XX/2022 I received a deposit of {$390.00} which corrected my negative balance with Chime. I then was locked out of my account for security reasons. I submitted documents to verify my identity to regain access from my account. I have not heard back from Chime and have not been given access back to my account. Chime is holding my {$140.00} hostage and will not give me access to use my money. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) Unlock my account and give me back access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My bluebird card locked on me on the XXXX of XX/XX/2020 I been trying to get a hold of customer service the corporate office anybody associated with bluebird I havent got a hold of anybody its going on 3 days all my money is on that card I cant get gas I cant buy me and my kids food Im disgusted and I want to unlock my card get my money off of th card and close tha account for good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them.         Name : LVNV FUNDING LLC Acct # :  XXXX  Credit Limit : {$0.00} Date Reported :  XX/XX/XXXX  Date Opened :  XX/XX/XXXX  Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , SC  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Current Status : Account Owner : Individual Account.  High Credit  : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened :   XXXX   Balance : {$880.00} Date Reported :  XX/XX/XXXX  Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity :  N/A  Date Major Delinquency First Reported :  XXXX  Months Reviewed :  22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency :   XXXX   Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gatestone & Co called me XXXX on XXXX and once again on XXXX from phone number ( XXXX ) XXXX trying to contact a co-worker regarding a collection. Gatestone has the appropriate contact information for that co-worker as they have contacted him directly in the past. Gatestone should not be contacting me at work and on my work number in an effort to use me, an uninvolved party, to resolve their issue. When I called to inform them of such, they denied any knowledge or record of the calls, my name or my phone number

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 2015-07-15
Company: Baker Recovery Services
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Baker Recovery Service issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXXXXXX 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 instructio
ns

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 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
Experian Is reporting inaccurate fraudulent information on my credit report. 

It appears that some unauthorized hard inquires have been added to my credit report without my knowledge or permission. Please remove immediately. 

the hard inquiries are 1. XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, XXXX, CT XXXX, USA using my backround check without my consent couldn't open bank account with them because of adverse action taken with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Financial Credit Service, Inc.
State: AZ
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i got a call from an asset recovery associates claiming i owe XXXX dollars for a credit card i had back in 2003 for a XXXX ive never had a credit card thru a XXXX that i can remember i asked them for bank information to contact bank but they refused to give me that they told me if i didnt pay it or make arrangements to pay it they was gon na file a judgement against me i talked to someone about this and they told me to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: GA
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:
There a debt collector on my Equifax report that has a strange name .... XXXX ... this is how it shows in my credit report. This is not mine and I contacted Equifax to remove it. They have not removed it after I stated to them that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I purchased hardwood floors from XXXX XX/XX/XXXX. I have no idea what the account number is no nothing. I have been paying and all I owed was {$1100.00}. Well my XX/XX/XXXX statement tacked on {$710.00}. I was devastated! Well I tried to pay it off using my XXXX credit card and they would not allow me to do so and that they could only use my checking account. If I do n't have the extra money and I consider this credit card fraud. How would be able to pay it off with the extreme interest rate which does n't show on my statement nor does the account number. They are really using shady tactics and need to be stopped. I have never experienced anything like this before. Thanks for any help you can provide. I 'm XXXX and simply ca n't afford the extra.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB.I would like to inform that in letter dated XX/XX/2019 there are mathematical errors and lies.I repeat that in XX/XX/2019 there was no increase in city tax and home insurance.The mortgage payment, was, before XXXX increased from {$1500.00} to {$1500.00} have included an increased city tax from {$5500.00} to {$6200.00} .This is about $ 50 monthly difference.This different is included in $ XXXX monthly payment.In XX/XX/2019 you increased the escrow deposit from {$650.00} to {$690.00} in the same letter you increased escrow deposit again to {$720.00}, without any good reason, next you added to my monthly payment {$97.00} and you got quote of $ XXXX monthly increased from $ XXXXCould you tell me please how you get the quotes of {$97.00}. 
This is my counting of escrow deposit. {$510.00} city tax monthly, MPI $ XXXX monthly, Home insurance {$77.00} monthly.The total is {$720.00}. It agrees with your calculation.But if shortage of {$760.00} divide by 12 months = {$64.00} extra.If you add {$1600.00} to {$64.00} you get {$1600.00} total. 
How you get {$1700.00}? .Diference $ XXXX.If you multiply this by 360 months of loan terms, this total is {$13000.00} extra to pay off.Sorry I can not accept this. 
I remind you I never pay after XXXX my partially payment, so apply to me late fee is ILLEGAL.Second remind, partially payment can not be counted as unpaid payment.This is ILLEGAL

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 2022-07-21
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is a formal complaint against US BANK in regards to an accounts # XXXX {$9400.00}, XXXX {$5800.00}, XXXX {$7500.00}. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the three major credit reporting agencies XXXX, XXXX, and XXXX. For one, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law., I've actually disputed with them several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. That being said, I feel as though I am being viciously attacked by this company and my consumer rights are being violated left and right. I'm well aware of other previous complaints against this company. So my question is, where does it stop? And does your commission have any plans to prevent unlawful business practices such as this from happening in the future? Please investigate the practices, FCBA, & FCRA violations of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a XXXX. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious 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 non-monetary relief
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have left XXXX on XXXX XXXX, 2015. Befort I left, I have payed the rent on XX/XX/XXXX2015. And payed the water fee of XXXX month on XXXX XXXX, 2015. However, My credit account show that I have overdue debt peported by XXXX. Please help me check. I have not received any mail or email to let me pay something. The attachment is the prove that I have payed off rent and water fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}

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 2020-12-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the complete balance of my Comenity Bank balance of {$30.00}. I recently received a letter stating that I owed {$110.00} because they ignored the guidance of using the card I specified, and chose to use a card that I no longer use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: CITIBANK, N.A.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation