BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
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:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a bag from someone called XXXX XXXX XXXX ( XXXX ) who scammed me and sent me a weighted ball instead of the item I purchased. She has stated that she is issuing me a refund but is now unresponsive. I have contacted my bank, Chase, disputing the charge but the bank has said they will do nothing about it. I sent the amount of {$1300.00} via XXXX on XX/XX/2021. I've contacted the seller, Chase bank, XXXX and the FTC between XX/XX/XXXX and today, XX/XX/XXXX. 

I have documented evidence via multiple text messages from herself and some other person who claims she accidentally received my package and sent me photos. I have an email request from her bank, which is also Chase, where she has notated that she is issuing me a refund. However, she is no longer responding to messages or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Bridgecrest Acceptance Corporation
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The disreputable organization the complaint is against in general is XXXX who owns both XXXX and Bridgecrest which the latter two commits usury. The APR I am given is 15.43 %. Even for a newer car I shopped around, the interest rate is still above the state 's limits. I have contacted their representatives twice and confirmed that the price given to me online is the actual amount and it is non-negotiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX I was notified by XXXX that a Capital One credit card was fraudulently opened in my name using my SS number via an online application. As advised by XXXX I immediately called Capital One demanding they close the account immediately and asked for a written report on who, what, where, when and especially WHY this fraudulent activity could take place. Not receiving any written documentation, I then sent them a formal letter on XX/XX/XXXX, as recommended by the IdentityTheft.gov website. It is now been over seven weeks and I have yet to hear back in writing from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 report act XXXX. account # XXXX with credit acceptance corporation. Has violated my rights 15 usc1681 section 6028 states I have the right to privacy.

15 USC 1681 section 604section 2, also state a consumer reporting agency can not furnish your 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 2020-06-10
Company: LEXISNEXIS
State: OH
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:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD bank is ending in predatory banking practices including making profits from its banking customers, including me. I petition this organization to create policies and laws that help protect consumers like me. When banks become gang practicing institutions and are too greedy and selfish with regard to customer concerns, then the whole financial sector is in trouble. Please help fix this problem before millions of Americans suffer as a result of predatory banks like TD bank. I am tired of the way this bank operates. This bank is immoral and predatory in its overdraft fees practices. Please hear and help me. Please please help fix this banks overdraft fees problem before Americans like me pay hefty prices to keep this bank afloat with its evil practices of taking advantage of poor customers. Amen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Informed money key collection agency Third party i believe at XXXX that they were only to be contacting me regarding this balance as XXXX XXXX. They called my references again today XXXX/XXXX/15 regarding my balance. I have told them that I was only able to afford XXXX month XXXX or XXXX begin to be rude and saying that money key did n't give you payment arrangments when they gave you the loan. I do not feel that i should be treated like that was n't disputing that i did n't owe it just could n't afford to pay what that collection agency wanted. Still harassed me and I termnated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Amendment to complaint XXXX : I mistakenly stated in my earlier complaint against SPS that my wife was laid-off from her employment position and i received a salary reduction during approximately XX/XX/XXXX. That date should have been documented as XX/XX/XXXX ( during the height of the Covid-19 epidemic ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was quoted as having an APR of 30 %, when actually implemented, the effective annual percentage rate is closer to 40 % in violation of the 36 % interest cap on XXXX XXXX military personnel. I raised this issue with company, as the effective interest exceeding the statutory limits was NOT disclosed. I have been underwater on this loan since, largely due to the misrepresentation ( fraud ) of their disclaimers and materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about a specific late fee policy with Bank of America Visa. I have already paid the fee, so that I can promptly and cleanly close my account. However, this particular policy seems like it should be illegal, and other people should not be taken advantage of going forward. Here are the details : My XX/XX/XXXX bill had a balance of {$89.00}, due by XX/XX/XXXX. 
My card has a cash back feature. Cash accumulates in your account until you either apply it to your bill, or request a check. I chose to apply {$89.00} from my cash back to my bill. It was credited to my account on XX/XX/XXXX, bringing my account balance to {$0.00}, prior to the due date. 

B of A then charged me a late fee of {$25.00} on my XXXX bill, and flagged my account as being past due, even though the balance was XXXX! I called B of A on XX/XX/XXXX for an explanation. They said that I still owed the minimum due amount, even though the balance was XXXX! The original person I spoke to also didnt understand this policy, and checked with their manager. They maintained that I would have had to pay {$25.00} more than was due! 

Nobody would interpret their still owe the minimum due policy in the same manner as they do. This policy seems to be aimed specifically at collecting additional late fees, from people who will not notice it, or will not contest it. If they really want a minimum payment from outside of the BofA account, then they should explicitly say so. As it stands, BofAs policy seems predatory, and should be illegal. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2017-02-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Loan recently transferred to Navient. I am currently experiencing financial and family hardship and attempting to place loans on deference. Told I did not qualify by Navient agent when I called. I filed a complaint with the XXXX and they have not responded. Website difficult to navigate and just leads me around and around in a circle telling me to sign in to my account again and again every time a click a link attempting to navigate to the loan deferment site. I asked Navient through the XXXX to provide paperwork since it is not possible to apply for a deferment online and I have not received that either. I have now been waiting since XX/XX/2017. However, I did receive an email from XXXX from their office of consumer advocate asking me to keep making payments while they check into my complaint which is completely unhelpful due to my current financial in, hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing today to seek assistance in disputing the following hard inquiries on my Experian Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Experian directly. Experian has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

XXXX. Firm offer of Credit XXXX. Insurance XXXX. Employment XXXX. Court Order The following XXXX XXXX XXXXXXXX ) credit inquiries are related to none of the aforementioned permissible. 

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 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 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 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 XXXX XXXX Please assist me in coordinating with Experian to see these inquiries removed from my credit report 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 2020-06-10
Company: EQUIFAX, INC.
State: CA
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/2019, I informed Equifax that a previously DELETED Account XXXX XXXX XXXX acct # XXXX, had been re-inserted onto my credit file and that I was not notified by them within the 5 days per FCRA. To date, the entry is still reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has denied my dispute, despite the fact that I have contacted them and the bank numerous times with the correct information. 

My XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, was paid off on XX/XX/2019 and the account was CLOSED. I have a letter stating such. They let me know last week that on XX/XX/2019 they would report the correct information to all of the Credit Bureaus. That is YET to happen. 

I applied for a Mortgage this week. This being incorrectly reported on my Credit Report   has had a negative affect on what percentage rate I will have for a 30 year Mortgage.

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 2016-07-09
Company: American Credit Acceptance, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Responded to a missed call. I identified myself as a person with the same name they were looking for. They wanted private information from me and all I was willing to give was the year of my birth. The representative said they would not remove my number and would continue calling because I " refused to verify all my information ''. I advised them that I did not want them calling anymore and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently changed banks so I am in the process of updating any accounts that we have set up to auto-pay to use our new account as the payment method. I am having some serious issues with our mortgage service provider, Dovenmuehle. I went onto the website to change out payment account. They do n't even offer an option to change, only to enroll or cancel. So I cancelled our current auto-pay and tried to re-enroll. This was 2 weeks ago. It gave me a message stating " Currently, there is a pending transaction in process. 
Changes may take place the following business day after XXXX CST. '' I checked back the following day and got the same message. I tried for 2-3 more days, getting the same message each and every day. So I called Dovenmuehle and asked them what was going on. They said they had to put in a help desk ticket, which is insane because all I want to do is change the account that I used to pay my mortgage. I ca n't imagine that every single time that Dovenmuehle has a customer wanting to change payment accounts that they have to put in a service ticket. 

Regardless, they told me I would hear back in 24-48 hours. It 's been over 3 days with no response from them, and still the same message on their website. So I just called back and wasted another XXXX minutes on the phone to be given the same run-around that they were working on it. 

I do n't think it is fair to have someone servicing mortgages that is not even competent enough to have a functioning website to accept payments. How can I make a payment to them when I ( 1 ) can not add a payment account and ( 2 ) can not get anyone there to do it for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: American Credit Acceptance, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I demand to see verifiable proof an original consumer contract with my signature on it .I have sent 4 letters ask them to remove this unverified account. I never lived at that address or had services there. I disputes the account.

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 2016-05-07
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid in full to company XXXX, not to a collection company yet they continue to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.

Company response to consumer: Closed with explanation