BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXXI took out a student private loan ( XXXX XXXX ) to get thru the struggles of financing school and being on my own. Although I do understand the amount and responsibility I had to repay the loan, the banks had made IMPOSSIBLE to pay back. I make every monthly payment, never late. Once I Finish paying the interest and start on the principal the Banks sell my loan to another company and now I am tied to another interest where I now have to pay another bank ( AMERICAN EDUCATION SERVICES ), I started paying them in XX/XX/XXXX and now that they have collected their interest, They now have sold my loan to ANOTHER BANK ( XXXX  ) and NOW I OWE THEM INTEREST!!! WITHOUT EVER paying the PRINCIPAL!!! I Am ANGRY THAT THE SYSTEM IS a FAILED BANKING LOAN SYSTEM, they should REALLY be CALLED the FRAUDULENT and PYRAMID SYSTEM. I have now PAID DOUBLE WHAT I BORROWED AND HAVE YET TO PAY DOWN THE PRINCIPAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Motolease, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Creditor Information MOTOLEASE , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX MOTOLEASE , LLC is intentionally and continually reporting false information to credit bureas to maliciously cause large drops in credit scores. This behaviour has been recent with a large influx of calls for a balance already paid by the insurance company to close the account. These large drops in credit score initiated by MOTOLEASE have caused irrepairable damage financially and mentally. The creditor is maliciously and intentionally reporting charged off accounts as open with a current balance as if the account is an active accountbon the books with a payment due. The first instance was on XX/XX/2022 with XXXX. The charged off account was reported as open with a balance due and payable causing a XXXX  point score drop. The false and misinformation was disputed with XXXX and was removed on XX/XX/2022. On XX/XX/2022 Moto Lease continued with the fraudaulent reporting by reporting to XXXX that a charged off account had an open and due balance instead of reporting the correct balance of 0. This immediately caused a XXXX  point drop in credit. After XXXX removed the first instance of this false reporting. MotoLease willingly and maliciously reported false information yet again causing irrepairable damage. This fraudulent report was again disputed on XX/XX/2022. MotoLease should not have the continued ability to report false information intentionally. The responsibility and integrity of reporting true accurate information should not be held at the whim of a company using fraudulent tactics that cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Charges on my XXXX XXXX credit card were disputed due to unauthorized charges. These charges were determined unauthorized by XXXX XXXX and I an not responsible for the charges. I have disputed this with Experian on many occasions and instead of fixing the problem they retaliated by dropped my credit score by 70 points for no reason and refuse to remove the unauthorized charges.

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 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Extremely UNETHICAL practices by Bank of America associates.

I went for safe box access and and the bank staff gave me a pitch for changing my bank account types for getting more interest. I inquired multiples times for any extra fees/ monthly maintenance and nothing was disclosed!

Now, today I saw an alert for my balance falling below a threshold limit despite having no transactions/activity done in last 8 months or so. I check my online account closely and a monthly maintenance fee is silently deducted from all 3 accounts from last 4 months. I had one savings account from last 11 years and never had to pay any kind of unnecessary fee despite a low balance.

I called phone rep and asked for all the refunds as these fees were never disclosed despite asking to the bank staff. The associate only refunded XXXX $ of XXXX $ fee deducted and closed all my 3 accounts saying he can not go back more than 2 months!

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 2023-01-19
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a XXXX XXXX XXXXXXXX for the past few years and an issue has happened to me with Syncronic Bank and my Pep Boys card. This account is closed without any notification to me, it turns out that I made a payment on XX/XX/2022 for {$35.00} from an account that I mistakenly chose in the application, this payment account is not the one I usually use for payment. I realized the next day and made the payment again on XX/XX/2022 for the same amount but from the account that I used to make these payments. I obviously knew this would have an NSF charge on my next bill. I don't understand. The payment date is every XXXX of each month and I have never been late, I paid before time and I resolved the situation long before the due date of the corresponding payment and they closed my account. I understand that this is a situation of malpractice in consumer law, in this case my person. And my credit is excellent. If this is the case then they should cancel the other cards that I have with which there are XXXX with Synchronic. I would appreciate it if you explained to me why the credit of this account was closed, since I find that it is an injustice. Details and Reference available at your disposal. Thanks to may interest.

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: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I borrowed {$20000.00} in XXXX and that private loan is being serviced by AES. 
Now, in XXXX, after years of repayment, I have paid over {$20000.00} and still owe {$27000.00} - even though my original amount borrowed was {$20000.00}. 

Ive called multiple times asking to have my $ 420 monthly payment lowered, asked about options for any kind of loan relief, and every time, I am quickly and firmly told there is nothing they can do. My interest rate is over 12 %. 

This feels like Im being taken horrific advantage of, especially since I have already paid back the amount borrowed and still have MORE than the original amount borrowed left to pay. 

I need to help dealing with this company or I will wind up paying almost {$50000.00} for a {$20000.00} loan that I took out almost 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CCS Financial Services, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File a dispute with XXXX regarding CCS collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with XXXX to remove the account as of today XX/XX/2023 it is still under re-investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The interest rate fluctuated which every time XXXX playing more then I expected and I really didnt have the knowledge but I felt something was wrong so I left that bank bc the was taking my my money by their interest rates

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX - XXXX I was Never late in the year 2021. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it. 

Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions. 

If XXXX is unable to provide the documents I requested so many times its only fair to delete all the lates 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
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:
Dear Experian, I hope this email finds you good. My name is XXXX XXXX, and I am writing to you today regarding an unfortunate situation that has recently come to my attention concerning my rights as a consumer. I believe that Experian, the consumer reporting agency, has violated my rights under the provisions of the 15 USC 1681.

Section 602 of the 15 USC 1681 highlights the fundamental right to privacy that consumers like myself possess. I firmly believe that Experian has overlooked this aspect, resulting in a breach of my privacy rights. Furthermore, section 604 A, section 2, emphasizes that a consumer reporting agency should not furnish an account without obtaining my written instructions in advance. Unfortunately, it seems that Experian has neglected this requirement as well. 

Hence, I kindly request that Experian takes prompt action to remove the following accounts from my credit report. If necessary, I am prepared to escalate this matter to court, where I will demand appropriate compensation for the alleged defamation of my character. My aim is to rectify this situation in a fair and just manner. 

XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX  ( XXXX XXXX Date Opened : XX/XX/XXXX Balance : Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Account : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balances : XXXX I must reiterate that my intention is not to cause any unnecessary inconvenience or trouble. However, I believe it is essential to protect my rights under the law. I trust that Experian, as a reputable organization, will take these allegations seriously and promptly address this issue. 

Thank you for your attention and prompt action in this matter. I hope we can resolve this amicably and restore my rights as a valued consumer. I look forward to hearing from you soon. 

Sincerely, 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 2023-09-06
Company: OneMain Finance Corporation
State: IL
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:
Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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

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 2017-11-22
Company: SYNCHRONY FINANCIAL
State: PA
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 payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/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 2023-01-19
Company: A.R.M. Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: IL
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts listed below. 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 explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have expressed to equifax that they have stripped my credit cards off of equifax when they should not have and they need to put them back on. My credit cards are under my address which is XXXX XXXX XXXX XXXX, XXXX XXXX, nevada XXXX. My cards was on equifax and equifax took them off when they were not supposed too. The cards that need to be put back on equifax are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not my employment XXXX is my previous employment. XXXX is my current employment. XXXX BALANCE IS INCORRECT IT IS NOT {$2200.00}, THE CORRECT AMOUNT IS {$1300.00}. 

THESE INQUIRIES IS UNAUTHORIZED : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE BEEN DEALING WITH THIS WAY TO LONG. NO CONSUMER SHOULD HAVE TO ENDURE SUCH STRESS CONCERNING SOMETHING THAT THEY DID NOT HAVE ANY KNOWLEDGE OF. I HAVE SENT EQUIFAX NUMEROUS DOCUMENTATION CERTIFIED AND UNCERTIFIED WITH FTC AFFIDAVIT WITH A POLICE REPORT NUMBER AND THEY STILL REFUSE TO CORRECT MY CREDIT REPORT. THIS PROBLEM IS MAKING MY CREDIT SCORE LOOK EXTREMELY LOW. THE ABOVE ACCOUNTS WAS ONCE ON MY EQUIFAX REPORT AND I DID NOT TELL EQUIFAX TO REMOVE THEM. THIS HAS CAUSED A GREAT BIG PROBLEM WITH MY CREDIT SCORE!

Company response to consumer: Closed with explanation