BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Cascade Capital, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This appears to be an emergency room visit back on XX/XX/2018. I have repeatedly contacted the hospital accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the hospital it was paid, then told it is for the physicians. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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 2022-07-04
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was told to contact variulous dealership due to I I was trying to use my factory warranty out of state..i moved out of state.and I couldn't get help from nobody. Going back to where I started my claim. No answer. Run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Amazon/Chase Credit Card : When items are returned to XXXX, the box for " credit amount to original payment method '' is checked every time. The original payment method is with the Amazon credit card- Chase. Instead, XXXX  places the amount in an XXXX  gift card - without any notice or authorization. The only way to redeem the " gift card '' is by entering a claim code or to buy additional merchandise and use the amount in the " gift card ''. XXXX  does not give a claim code.

I still have to pay the balance of the purchases to Chase even though I have returned the merchandise. 
When asked, Customer Service at XXXX  has gone back through purchases and figured out some of the purchases that apply to the " gift card '' and credited that amount towards the credit card balance. However, they haven't been able to get all of them. Irrespective of my requests, this issue with the " gift card '' has happened repetitively, and thus my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022, received a scamming text and followed link and entered sensitive information.. Chase Bank XXXX They issued a new card. but my ss Number and everthing were already given

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.

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 2022-08-19
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Did live in the address that im being Charged for. Also I don't know how someone could get service in my name without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2022-09-24
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX I sent in a letter to TransUnion. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. I then went back to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of the year XXXX.I also filed a company and it came back. This information has not been verified because its no where to be found to verify it. This information is false on my credit report. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report within 30 days. This is my second time complaining with you all. I need some investigation done for me on this. I have a letter from the court a well and they do not give this information. I need proof from how this is verified or it needs to be deleted immediately

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 2022-09-24
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The alleged debt is being reported by XXXXCaine and Weiner claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im owed money. I also stated this to the insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: NY
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/2022 statement from Rushmore Loan Management Services showed my Outstanding Principal to be {$970.00}. The upcoming interest was to be {$2.00}. My normal payment amount also included {$400.00} in extra principal, plus escrow amounts. So the bottom of the XX/XX/2022 statement told me " You are currently enrolled in automatic payments. Your payment is schedule to draft XXXX for the amount of {$1800.00} ''. So, as usual, I did nothing. Then I received a XX/XX/2022 statement telling me I missed my payment, and owed a {$15.00} late fee. I called Rushmore and they told me they never took out my last payment, but over the phone they put in a payoff request for me. The payoff request showed the {$15.00} late fee. I was able to call Rushmore and have that removed. But the payoff also showed {$4.00} in additional interest. They told me that was interest accrued between XX/XX/2022 and XX/XX/2022 ( the payoff date ). I told them that I should not be responsible for that interest, as they had told me they would take my last payment in the XXXX statement, and they never informed me about having to request a special payoff. I believe this is a tactic they use to steal a few dollars from each customer on the way out. They very strongly argued with me, and one woman even tried to gaslight me and pretend that she had called me about my late payment, when in reality I had called her about these extra fees. It all seemed a bit shady, so I want to go on record to report it. In the end, I gave up and paid the extra {$4.00}. But that was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX while searching for XXXX airline ticket at checkout it offered no annual fee, $ XXXX {$300.00} = {$70.00} ticket, after {$2000.00} spent receiving XXXX miles, and after applying online it says instead of approval it will look further into it. I received card approval next day via email, and card XXXX XXXX. I was surprised to see a charge {$99.00} annual fee right away XX/XX/XXXX. I was also offered XXXX miles instead after XXXX  dollars spending, also nowhere in writing does it mention the {$300.00} credit for ticket purchase. I called their representative who said she never seen {$99.00} charge right away before and was surprised but was powerless to change it. I asked to close the card and was told I am responsible for {$99.00} payment before I can close it for a service I never used. I am filing a complaint for unethical bait and switch practice of Barclay bank XXXX XXXX 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 2022-04-25
Company: Experian Information Solutions Inc.
State: MO
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:
After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number ExperianXXXX  XXXX XXXX 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 2022-12-05
Company: Rent Recovery Solutions
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Wolf River Development Company
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On Friday XX/XX/XXXX I applied for a loan with XXXX at approximately XXXX. Around XXXX I called them to cancel the loan. I no longer wanted the loan at all. They refused to stop the transfer of funds to my bank and cancel the agreement. I then went to my bank and closed out all of my accounts associated with XXXX and started a different bank account. 

The bank manager assured me that it would prevent any transfer from fineday from posting and the money would be sent back to fineday funds. I then tried contacting them via phone again and they told me I needed to e-mail them to transfer the funds. 

I sent the e-mail late last night on XX/XX/XXXX. I told them I did not wish to receive any funds from them in any form. I wanted nothing to do with their company and I wanted to cancel the loan itself. 

Today on XX/XX/XXXX I received a response from fineday funds. They demanded I repay them {$670.00} in order to do business with them in the future or to pay them back {$650.00} and the loan would be cancelled. I never received {$650.00} from them. There was no possible way for me to receive {$650.00} from them yet they were demanding payment from me. On top of this they stated in the email Please respond to this email by XXXXXXXX XXXX XXXX on XX/XX/XXXX. Otherwise, you will miss the deadline for the cancellation of this loan. 

Which is deceitful. The deadline for cancelling the loan per the loan agreement states. You may cancel your payment obligations under this Agreement, without cost or finance charges, no later than XXXXXXXX XXXX XXXXXXXX of the second business day immediately following the Disbursement Date ( Cancellation Deadline ). Your right to cancel your loan only applies if your loan either hasnt funded or, if it has, the funds are returned to us as explained below. 

Friday XX/XX/XXXX would have been the first business day and Monday XX/XX/XXXX would be the 2nd business day and I would have a deadline of XXXX XXXX  and yet they were wrongly claiming in email that I needed to respond by XXXX or I would miss the deadline. 

I responded to the email stating I never received any funds nor is the deadline today at XXXX XXXX. 

They responded by telling me they could not cancel the loan because the funds were deposited into my account. Which is impossible because the account no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I an trying to refinance the loans for the last three months. This is not the first time. Try finding the site, even with a bookmark. The site is buried and very hard to find. Every time I sign into the site, my password doesn't work. That takes twenty minutes to get fixed. I have a password safe that remembers the password. That is them deleting my password. Then when I get in, my paperwork, which was accepted the last time I was signed in, suddenly isn't there or repeats that I have to submit it again. As though I never submitted it. It reports it isn't registered as accepted. I have to submit it again. I've done it four times so far in the last three months. I haven't even tried in the last month because I know I'll have to spend a good hour resetting and resubmitting everything, and it will all be deleted or ignored. They never were going to refinance me.No human has ever contacted me. The dates they have on their website saying that someone will contact me in three days ...? No one ever has. I can not get anyone on the phone. The phones transfer me around and then hangs up on me.. I get emails that say it's ( My paperwork ) accepted, then it removed off their site. I've been paying at the highest rates for 20 years and they never succeed in getting refi done. I'm out of work now and can't qualify for refinancing any more. I'm about to retire, so they successfully locked in the highest rate for 27 years. 
I never asked for Navient to take over my servicing. I never liked them. Getting service is impossible. The password thing has been prevalent for 20 years. They purposely make every attempt to lower rates impossible. I feel like the government sold me out to the highest criminals they could find. This has had to have cost me {$10000.00} over the years.

Company response to consumer: Closed with explanation