BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXXERC ; For the last 30-60 days, I have been writing and getting on the phone with this company to resolve unknown debt on my name. I even talked to several representatives and they mentioned that they don't even have my social security number or DOB associated with this account. Therefore, I request that this be removed or provided all the details shown on the attachment emails I've sent to them. I was shocked that you guys still pre-printed all the templates of statements and send it to me. This is not a true validation of debt as described by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/2023, I learned of XXXX XXXX XXXX  ( XXXX ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 XXXX again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute Experian updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the XXXX reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of XXXXs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove XXXX XXXX XXXX  false report and ramifications caused by it, from my report. 
XXXX XXXX blames Experian. Experian Blames XXXX XXXX. Neither will take the effort to resolve it inspite of information I have supplied

Company response to consumer: In progress
Consumer complaint received 2022-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, debt collectors are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account : Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have recently contacted customer service regarding a written request to receive all information regarding XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX AES has failed to do this and is purposely advising customer service representatives that they are not authorized to provide lender information. Since private lenders are not under federal authority, they still must provide their information. AES has repeatedly sent me a promissory notes from XXXX but not from XXXX XXXX XXXX XXXX verifying they transferred/bought the loan. I have repeatedly ask for a forbearance only to be told the lender states I have used up my forbearance time. If there is no contact information to XXXX XXXX then where is AES receiving this information. I have also researched this supposed lender and an unknown address in Delaware has surfaced with no telephone number to contact them. If AES does not produce the direct number to this XXXX XXXX XXXX XXXX entity then I will assume the promissory note they have sent me is not accurate or false which means XXXX is still the lender. My loan originated with XXXX and I have no verified proof that this XXXX XXXX XXXX XXXX entity transferred or bought the loan. AES can not seem to explain where they are getting the denial 's from regarding my request for a natural disaster forbearance or regular forbearance. I do not want a promissory note from XXXX as I have this documentation. I need to see the actual verification that XXXX XXXX XXXX XXXX owns the loan and not some flimsy excuse that lenders do this all the time. If XXXX  is an actual lender then I need the actual contact information and number as well and not some vague response regarding AES is not authorized to provide direct contact information. My monthly payment amount is on a modified plan ( {$480.00} ). The private loan is consolidated and was originated in 2007 with XXXX loans. the XXXX XXXX XXXX XXXX address I researched online is XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking and savings account with Fifth Third bank on XX/XX/XXXX. It was immediately flagged as fraudulent and I can not log in online. I have been on hold to try to get it unlocked for XXXX hours. I have talked and complained many times. Never able to talk to anyone. Hung up on several times. 

I am now getting emails saying my account is overdrawn. I want to close my account but I am told I have to also wait on hold to on this line just to close my account. I don't know what to do. I am not even sure if there is someone that works in this fraud department. I don't think if I even go into the bank I can solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: WI
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:
The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy. 
15 USC 1681 604 A section 2 States that 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 explanation
Consumer complaint received 2023-10-19
Company: LEXISNEXIS
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have placed over 6 complaints attempting to get old addresses, telephone numbers, and names removed from my credit report. The information that I am requesting removing is old, wrong, or unknown. Lexisnexis provides investigation reports indicating that the information is removed but once I review the report there are no changes made. 

It has been a lengthy process and a total nightmare dealing with lexis nexis. Something needs to be done to stop this agency with providing a horrific service that is costing consumers ' added expenses when purchasing various products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX please remove fraudulent/ unauthorized collection on my report or provide proof in writing within 30 days

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 2021-04-12
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Original issue gave response date of XX/XX/21, but was closed 2 months before that date causing refiling. 

In XX/XX/21 response American Express falsely indicated that the XXXX offer had not been loaded or subscribed on my card. The attached image I captured just after doing so proves otherwise. 

Main complaint : Initiated Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated and loaded the offer and clicked the link. I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE - There is no late remarks but tagged as late. 
XXXX - XXXX  XXXX XX/XX/2019 XXXX XXXX - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email from Chase Bank reporting a possible fraud with a link to secure account and dispute it. I clicked on link and filled out the required fields to verify account. After completing everything, I called customer service and records do not show the supposed transaction from this card. I then started getting text notifications from Chase about verifying the code to sign in account which I had already done and signed out. I truly believe I filled out a fraud chase account with my basic information and now somebody was trying to get in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
In mid XX/XX/2021, I attempted to send money thru Early Warning, LLCs Zelle inter-bank transfer vehicle to pay for a service. I was told the transaction was blocked. Upon further inquiry with my Bank ( XXXX XXXX XXXX XXXX ) it was revealed that a previous remittance to my niece had been flagged as association with fraudulent activity or organization, and as such anyone connected to the individual had been permanently blocked from using the service. I asked my wife to use our other bank ( XXXX ), to complete the transaction. She was also blocked because she is associated with me. 

All this, without any explanation from Early Warning, LLC or recourse to clear my name. My bank said the offense was so egregious, that they couldnt help me and that I should find other money transfer organizations to work with. This practice is not only inconvenience but humiliating to an honorable consumer. As a former XXXX XXXX XXXX, it is plain embarrassing. It is also irresponsible for EW and Zelle to be a public entity and yet behave in this cloaked operation. I request a direct explanation and also be given the opportunity to clear my good name. 
XXXX XXXX XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: American First Finance, Inc.
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went into XXXX XXXX on XXXX XXXX weekend to purchase a washer and dryer. They had a sign up that said low down payment, interest free for 12 months. I have financed things before and you usually pay some down payment then the following month your payment is due. With this company, I paid {$50.00} dollars down and then took the items home. American first contacted me the next day for a payment of {$310.00}. which was pretty rapid. I contacted them and they told me there was nothing I could do. I made a payment with a credit card for the month and then asked that the auto pay be removed and it wasn't it had to be returned. I continued to make the payments online with my credit card from XXXX until XXXX of 2023. Then when i went to pay in XXXX they no longer accepted credit cards as payments. I don't have the cashflow up front so I pay on my credit card then pay my credit card back when I get paid. It now is making me struggle financially due to their change. 

In addition to the payment debacle. They ended up not having 12 months interest free. It ended up being early payoff. Then once XXXX passed the cost changed from {$1900.00} to over {$4000.00}. I have only had the items for 6 months at this point. Now I am going to have an additional 12 months of payments to pay this off and I will be facing interest on top of that. 
This company is predatory and really unprofessional. Their lending practices are morally bankrupt and this company should be shut down or more heavily regulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Downloaded my XXXX XXXX statement with a Purchase Balance of {$3300.00} and a Special Rate balance of {$7700.00}. Payment due date : XX/XX/2022. 

I arranged for a payment of {$5000.00} to be applied on the due date. 

Downloaded my XXXX XXXX statement which showed the {$5000.00} payment in the transaction section. The XXXX Purchase Balance was listed as {$2400.00} and the Special Rate balance as {$7500.00} I expected my {$5000.00} to be first applied to my XXXX Purchase balance ( XXXX ) and the extra amount ( {$1600.00} ) to my Special Rate balance. 

Instead PenFed VISA applied my {$5000.00} as follows : XXXX Balance ( {$3300.00} as expected ) and applied {$1400.00} to new purchases made in XXXX and {$200.00} to my Special Rate. This method of payment application means that I am also paying for charges in the new cycle and does not offer me any grace period to pay for new charges. It also means I can not rely on the statement balance when arranging for payment. 

Since my Purchase balances are paid in full, their method of applying payments will result in my having a high balance in my Special Rate account when the promo ends in XX/XX/2022- which will then be triggering finance charges unless paid off completely. 

So much for a Special Promo. Note that this was NOT a balance transfer or a 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has been contacted several times and I have put in several disputes of the inaccurate information reporting in my public records a dismissed XXXX XXXX bankruptcy from XXXX Transunion never verified this information they just keep coming back stating it was verified and they are failing to do so court gave me a copy of document 41 that clearly states the bankruptcy from XXXX  was dismissed and not added to the record I just want transunion to report the correct information it was a XXXX XXXX bankruptcy that was dismissed. Transunion has the documentation but they are failing to update my public record and Transunion is the only credit bureau that is refusing to fix their error.

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 2023-07-14
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A hurricane occurred in XXXX. We received funds from the flood insurance a couple of months later. We have been fighting and struggling with the service of our Cross Country mortgage ever since then to get payments on time. We have been living in utter chaos. Finally our contractor agreed to do some work for the sake of our safety but despite all the reports and inspections, the service will not release our money to us, and now the contractor is threatening to sue because it has been so long. The servicers communication is insufficient, terse, and never contains the information we need. They don't always respond to emails and if they do it's days between communications and they won't just pick up the phone and call us. I don't know what to do. I've tried everything. That money is mine and I'm living in chaos

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am writing to you as a concerned parent and consumer. I have first hand awareness of Navient 's predatory loans. I co-signed loans for my XXXX daughters and can not get released from their loans.They keep resetting them to start over.When I took these loans, Navient/Sallie Mae encouraged me to co-sign. They said they would not get approved without my co-signature. I do believe my signature is my word, but these children are in their late XXXX XXXX. As for XXXX XXXX University, my daughter left the school after 4 1/2 years without a degree. They never guided her to finish on time or to meet her requirements. Schools have a responsibility to their students to guide them so they finish on time.As for Navient, I pay over {$800.00} a month and it is all interest. I paid {$8700.00} in the last two years and the loans continue to increase. For the Plus loans, I originally took out {$57000.00} and I owe {$61000.00}, and I've been paying for 5 yrs. It is criminal. They are helping themselves instead of the borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: In progress