BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased the card on XX/XX/2023, and was unable to use it for a particular payment and it did not work. Today is XX/XX/2023 and NO merchant will accept this card. I have contacted American Express regarding this ECARD at least 5 times and have been advised to try different merchants, I have tried at least 8 different merchants, and no one will accept this card. American Express will not give a list of merchants that will accept it. The refuse to send a card that I can attach to my personal information to use. The refuse to do anything. The leave you on hold for a long as you will hold, on hold right now for 38 minutes. So, no customer service is provided. This is a scam!!!!!!! They are stealing the money of their customers! I have read review after review after review stating the same thing. American Express I have always considered a company you can trust so I did not think twice before purchasing. People are getting ripped off every day by this egift card garbage. They outsource customer service and NO ONE cares or tries to help. This really needs to be addressed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The Dept of Education transferred a Plus loan from   XXXX   XXXX   year  XXXX / XXXX  to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

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 2023-07-14
Company: Capital Link Management, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTE : On the next page, I will supply the last 4 digits of my husband 's social security number because the debt is his, NOT mine. 

They are calling & texting the WRONG PERSON! This is my husband 's debt, that he took on independent from me, without my knowledge or consent. I responded to their text messages informing them that they were contacting the wrong person at the wrong number. I gave them his phone number, & yet they continue to harass me. 

I have been receiving repeated phone calls & text messages from Capital Link Management or Capital Management. I did not answer the calls because I did not have any business with the company & didn't recognize the name. Then the text messages started on XX/XX/2023. I don't even know how they obtained my cellphone #, because it's independent from my husband 's. 

Text Messages : XX/XX/XXXX- they offered a settlement through text message and asked him to reach out to XXXX XXXX. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement on my husband 's behalf. I responded that they had the wrong number & supplied his phone #. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement. I again responded telling them they had the wrong person & number & supplied the correct number. I also told them that I wasn't on any account associated with his debt & was not responsible for it. I asked them to please confirm receipt of my text message & received no response. I stated that if they were capable of sending text messages, they were most certainly capable of reading them. 
XX/XX/XXXX - yet another debt collection text message. 
XX/XX/XXXX- another debt collection text message. I replied in anger, telling them that they were harassing me & I was going to report them. 

Calls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX. 

There may be other calls & text messages that I overlooked, as around the same time I was receiving calls without caller ID. 

This is a violation of FDCPA ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: AAA Collections
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: Account status incorrect

Complaint:
On my  XXXX  report I disputed   XXXX   XXXX   account for {$380.00}. I paid the original creditor AAA on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor AAA shows my account as a   XXXX    balance. I called everyday from XX/XX/XXXX  through  XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to   XXXX    who escalated my account to her supervisor to email   XXXX   XXXX    that my account balance is  XXXX .   XXXX   XXXX   claim they have n't received any notifications from AAA. I spoke to an  XXXX  supervisor  XXXX   XXXX  ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.  XXXX  from AAA is adamant that her supervisor sent over the email to  XXXX  and that the balance is  XXXX . This collection account was added to my   XXXX    report as of  XX/XX/XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Volvo Car Financial Services U.S., LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Have spoken with 5 separate representatives in regards to the return of my {$4500.00} security deposit. I was told this was 14 business days after lease turn in. Then, the next rep said 14 business days after Volvo closes the lease account, then it was due to a holiday. Come to find out we are at 30 business days now since the vehicle was returned and my check has not been issued as of today per the representative. 
Whats the hold up? I held up my end of the contract, why cant VCFS?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-04-29
Company: EQUIFAX, INC.
State: MS
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 resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX, I had purchased a car through wellsfargo. I had the car for a couple of a years. I always had my own insurance. I hit hardship and my insurance lapse, I didnt renew it right away but was going to at the end of the week when I got paid. Of course with my luck, not even a few days after it lapse, I get into an accident and total my car. Go figure! I stopped paying on my loan and it went into collections and onto my credit. This was XXXX. 
Fast forward to this year ; I was aware of the lawsuit and was informed I was one of the many consumers who paid for cpi insurance without knowing. So I thought, if I had cpi insurance why didnt my car get covered? 
I didnt know what they decided on my case, So I called the cpisettlement hotline. They explained that the caulcalution they came up with was {$200.00} and some odd dollars and that they credited it towards my remaining XXXX XXXX+ loan balance. I asked how they came up with that calculation as well as asking why didnt the cpi insurance cover the loan and the cpi settlement hotline couldn't answer me and neither did anyone at wellsfargo.  I was getting the run around and spoke to 7 different people. Finally, a gentlemen at wellsfargo did however tell me that theres nothing they can do anyways because my loan was so old and that they are closing the account. Instead of answering my questions he said that we are now closing the account since we are finally now speaking to you and for XXXX tax time the XXXX XXXX+ loan will be a earned income credit for you and I would have to pay the taxes on that. 
I do not feel that was the correct and proper way of handling my case. I feel as if my car should've been covered through the additional coverage I was unknowingly paying for through wellsfargo. But according to them, I was paying additional on something that covered them, and not myself. It's ridiculous and it doesnt make sense.

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 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-09
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send my payments weekly in advance of my due date. Per the guidelines of my loan I am allowed to do this and they will hold the payments and apply them at my due date. They keep losing and misapplying my payments and telling me Im late. I am not. I have attached all payments sent since my loan origination and the confirmation numbers from my bank.

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 2023-05-19
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is regarding XXXX Florida XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I went to the hospital for pains in my chest and having trouble breathing. i told the nurse that I did not have insurance so only wanted what I needed to find out the problem. She told me because I wasn't working and had no insurance I would get Medicaid the hospital would file. They did an x-ray, had a Dr. come and see me also did another procedure. I said I didn't want x-ray as I did not have insurance, she said I needed to after being there for almost 3 hours. It was nothing and I had no answers. Two days after I was home the hospital called and notified me that I had to apply for Medicaid, I did and I was denied. I applied for help through a heath assistant program but have not heard anything and I have made several attempts and filled out a form and sent in paper work showing I was unemployed. I would like the debt creditors to stop calling and contacting me. I am willing to pay a bit toward this however, I feel there was negligence on the part of the hospital telling me I would receive the benefit and I did not. I also believe that I did not need all the procedures they did seeing there was no end result to my problem other than maybe something I ate or gas. Please take this matter into consideration as I am disputing all of the charges ad would like a realistic balance. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation