BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-03-22
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today XX/XX/2022, I spoke to a collection agent by the name of XXXX and her supervisor XXXX XXXX ... And they advised me to make a payment today which was {$150.00} balance that was left over to keep my car from going into a repossession status. And we came to an agreement and I understanding that that would be done by the end of the day which is XXXX p.m. I made a payment using my checking account and call back to inform them that the payment was made, I then spoke to a XXXX or XXXX advisor of the payment and she canceled my payment out of spike and put my car into a repossession. I then call back and spoke to an XXXX and XXXX advised that XXXX or XXXX I'm not sure of her name had canceled the payment and put the car into repossession. XXXX advised me like the supervisor had before to get the payment in tonight to avoid repossession and to call back and make an extension to defer the payments. She also advised me to call before XXXX p.m. Pacific standard time which is XXXX p.m. eastern time to make the payment. I called back at XXXX p.m. Pacific standard Time and the company was already closed. I took it up on myself to do a payment by phone with my debit card because it had not been the end of the business day. And after I made that payment that's when I called back to advise them that the payment was made with my debit card and it was immediately debited out of my account. I feel like I was being harassed I also was lied to and insulted at the same time. I also feel that this company is not a buying by their legal clauses along with policy and procedures. Also when I spoke to XXXX I even told her that I was going to file a complaint against this company with the consumer financial protection bureau and she advised me that she knew what the company was and because I was threatened her with legal actions which this is not an attorney 's office for legal advice or legal lawsuit.. she began to harass me and threatening me with and repossession because of me mentioning the CFPB. I understand this is a loan company but they're going the wrong way about collecting funds for a loan by harassing, insulting, and humiliating customers to get a payment. I have looked online at the XXXX XXXX XXXX  complaints in regards to this company and they have over 136 complaints for the same issues within a matter of one year. Attached you will find two screenshots of my account with the {$150.00} being paid on the XXXX to Global Lending Services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number and 20 others are from portfolio recovery. They call early morning and late night both home and cellphone on a constant bases. I have answered the phone and nobody is there so I hang up. This has been going on for years. I have been on do not call a few times and still calls come through. I don't know what to do. I feel that are harassing me because they keep calling and do not leave messages or talk to me when I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I received a bill for a {$4.00} toll-road charge from XXXX XXXX XXXX XXXX for using their toll road on XX/XX/2018. The bill says the due-date was XX/XX/2018, so I set the bill up in my bank 's BillPay system to distribute the funds on XX/XX/2018. 

On XX/XX/2018 I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX XXXX, saying I had not paid this bill, and had been sent to collections for a total of {$35.00}. The letter was authored on XX/XX/2018 - a full XXXX XXXX XXXX XXXX days before the bill was due. 

To be clear : The funds were delivered in full ( {$4.00} XXXX to XXXX XXXX 's billing address of XXXX. XXXX XXXX, XXXX, CO XXXX on XX/XX/2018 - a full business day before the bill 's printed due-date. My bank can provide additional proof of this via a payment verification inquiry, if needed. 

On XX/XX/2018, I drafted and sent via Certified US Mail, two Debt Verification letters : one each to both listed mailing addresses for the offices of Linebarger Goggan Blair & Sampson, LLP. The letters were delivered XX/XX/2018 and XX/XX/2018, respectively. 

Despite the above, today, XX/XX/2018, I am in receipt of yet another bill from XXXX XXXX XXXX XXXX. 
Attached you will find copies of the original bill, the debt-collection letter, two debt  verification letters, two USPS Certified Mail Receipts, and one USPS transaction receipt with tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 explanation
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I called Citibank to get an explanation of a new balance and its corresponding interest charge that was not on any previous statement. 
Citibank agent said such amount was because of the daily interest calculation, to which I said : there is no way that $ XXXX is the calculation of daily compound interest for previous balance of $ XXXX which was paid in full before due date. 

Citibank agent on the phone was not able to explain how such new balance appeared on my new statement.

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 monetary relief
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
I saw charges to my card because my balance was above normal so when I went to review I say multiple charged dating back from XX/XX/2023 to XX/XX/2023. Certain charges were reversed and others were kept to my account now my bank is trying to force me to pay for these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

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 2018-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I want to refinance my Mortgage but Select Portfolio Serving , Inc. is trying to make me pay {$16.00}, XXXX an addition amount I don't owed. A letter sent to me from XXXX dated XX/XX/XXXX offering me to rearrange my payment. I disagreed with the addition payment of XXXX on XX/XX/XXXX in a recorded conversation with XXXX XXXX XXXX which she wavied. who worked at XXXX ( Modification unit ). I never agreed or signed any document to paid this Addition amount of {$16000.00} but I did disagreed. 
XXXX filed a Judgment of Foreclosure and sale against me and my husband it was ORDERED vacated on XX/XX/XXXX without cost to any party. so, I don't owe any court or attorney fees {$3200.00}. 
I have paid my owned XXXX XXXX and XXXX XXXX XXXX sent XXXX. Select Portfolio Serving Inc. or XXXX did not pay {$7700.00} in any XXXX Account for us. 
I don't know where the Accrued Interest Previously Extended from {$1700.00}. because we were paying our mortgage or the {$4000.00} which equal the {$5700.00} posted on the XXXX Account History sheet. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Commonwealth Financial Systems, 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:
My husband and I checked our credit scores with XXXX XXXX because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX. Saturday, XX/XX/XXXX I received an email from XXXX XXXX stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. XXXX XXXX seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was Commonwealth Financial Services. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where XXXX XXXX and Commonwealth Financial Services are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I recently submitted a complaint about transunion. They said they will send another dispute however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them. I recorded a conversation with XXXX XXXX with her knowledge and she admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them.

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 2023-09-05
Company: Maximus Education, LLC dba Aidvantage
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On three separate occasions I have tried to pay my student loans in full before interest began accruing again. About XXXX days after receiving a confirmation e-mail, the amount was not withdrawn from my bank. Upon reviewing my payment history in my student loan account, the payment was reversed with no explanation. 

I called my bank and they assured me it was not a problem on their end. I have tried to call aidvantage but I can not get anyone on the phone. 

The first amount was the remaining amount of {$10000.00}. It is listed on the student loan account history as payed AND reversed on XX/XX/2023. 

I attempted the payment of {$10000.00} again and the same issue occurred. It is listed on the student loan account history as payed and reversed on XX/XX/2023. 

I thought perhaps attempting to pay over {$10000.00} was a red flag so I attempted a payment of {$5000.00} and it is listed as payed and reversed on XX/XX/2023. 

I do not know how to get them to answer the phone to see why I can not make a payment and I am concerned it is a tactic to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
credit card theft account was sold to debt collector who has sued me. My son was an authorized user on my Capital One account. It was my daughter in law, XXXX XXXX XXXX, who stole his credit card from his desk drawer and every single purchase was made by my daughter in law after she stole the credit card. The purchases were made in CA and I live in TX. I never made any of these purchases on this card. All I need to show this was her is the itemized statement from XXXX and XXXX of XXXX. I requested this but what they sent only showed the balance due and was from XX/XX/XXXX. I specifically requested the itemized statement/invoice for those months. They said they would send it to my attorney but she has still not received it. Please send anything related to my attorney : XXXXXXXX XXXX XXXX, Attn : XXXX XXXX, Phone : XXXX or XXXX, mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: OneMain Finance Corporation
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:
Name : XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : I recently pulled a copy of my credit reports and noticed the following creditors and information are in errors : Inquires the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : XXXX  XXXX  Please remove these inquiries from my credit report accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed XXXX  XXXX Bankruptcy ( Case # XXXX, XXXX XXXX  North Carolina ) on XX/XX/2023. I request the creditor cease all communication to not violate the stay of debt collection as imposed by the bankruptcy court. Further communications from the debt collector will result in communications from my legal counsel, XXXX XXXX XXXX of XXXX , NC.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.0XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-30
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am filing an complaint against Navy Federal Credit Union due to the following message I sent to them concerning overwhelming conditions : Navy Federal I am receiving messages concerning overdrafts by mail and email. I have direct deposit so your funds will be reimbursed to you Navy Federal. I wish you were this informative when you stated I owed a credit from the stimulus check on XX/XX/XXXX that I was charged for in XXXX. I never got a phone call nor did I see this credit appear in my account. Also you Navy Federal had a representative call me on a Saturday. This is illegal look it up for yourself. I am tried of the harassments from your agency this is unnecessary. You sent me a letter about the overdraft but didn't give me the same respect about the credit you claimed I owed around XX/XX/XXXX. Shame on you Navy Federal you will reap what you sow. Somehow poor and certain races always get attacked by companies and businesses such as yours I am so regretful that i joined your agency as a member.

Company response to consumer: Closed with monetary relief