BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
SALLIEMAE : They are supposed to be there for students, when you sign-up for student loan, but they tried to make your life miserable with continuous calls even during pandemic. They will mess up your credit Score for no reason and backed out on already approved loan while you are in school. They have incompetent financial management and will even call you on weekends and past XXXX most time. After you explain your struggles with repayment, they will continue to harass you and your cosigner for life. Stay away from them. Right now! I covered all the listed interests and a mount after their account is not recognizing it, already calculated interest rates for that same month. Random people and rude financial agents will continue to Harass you nonstop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. XXXX XXXX  XXXX are collecting for Capital One. I have two Capital One accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to XXXX XXXX  XXXX XXXX and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with XXXX XXXX   XXXX XXXX. She stated that we were service by a Sherrif regarding the debt owed. We were not. XXXX XXXX XXXX claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX XXXX on XX/XX/XXXX. 

My wife arrived at XXXX XXXX XXXX XXXX office at XXXX XXXX She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX XXXX decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to XXXX XXXX   XXXX XXXX, a sixty mile drive all to not have my issue resolved. Not to mention the time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because XXXX XXXX  XXXX XXXX wasted our time. I have complained to XXXX XXXX  XXXX XXXX. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that XXXX XXXX  XXXX XXXX stated they were sending to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my accounts requesting all statements to be in paper form and mailed. I did not receive any for quite sometime. In early summer of 2021 I had to travel to Iowa to help my sister who had a XXXX XXXX XXXX  due from the XXXX XXXX. While there I contracted XXXX and was completely unable to manage or conduct any business. I returned home to California in XXXX of 2021. My oldest daughter asked if I could deposit the cash she had been saving and write her two separate checks for the cash. She gave me {$8000.00} cash, which I deposited that same day at the Chase Bank branch located less than XXXX mile from her home. Where I wrote h, er one check for {$5000.00} on XXXX XXXX,2021 and a second for another {$5000.00} on XX/XX/2021. I gave her {$2000.00} extra. On XXXX XXXX, 2021 Chase shows I withdrew {$8000.00} from my savings and shows I deposited {$8000.00} into my checking that same day leaving me a XXXX balance. I NEVER WITHDREW {$8000.00} AT ANY TIME FROM ANY ACCOUNT. I didn't find this until recently after hiring an accountant to look at all my Chase Statements. Which I did not have until I demanded after several other attempts. There are also several discrepancies with transfers to my XXXX XXXX account from Chase and my XXXX transfers to my youngest daughter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2021-03-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Multiple failed attempts at resolving the payoff of my mortgage. Customer service has been caught in multiple lies and fail to resolve issue. 
We purchased a home in XXXX, OK in XX/XX/XXXX and our mortgage was originally established with XXXX. My Account number is XXXX. We sold our home and closed on our mortgage on XX/XX/XXXX. The payoff was wired to Loancare and received the following week. The very same week they allegedly distributed the real estate taxes to the County. In addition the taxes were paid at closing with funds from the sale. This created a deficiency in the escrow that was not accounted for at the time of close. When Loancare received the wire they made no one aware of this and held the wire for three weeks until the title company and myself reached out to see why the loan was not considered paid in full. They said that the escrow deficiency was the reason that the wire was held because the pay off was not correct in their eyes. As I type this complaint the County has not received the tax distributions that Loancare alleges they have sent. We have asked Loancare to put a stop payment on the tax distribution and accept the wire. Instead of resolving this issue there the wire was sent back. Since then we have contacted the customer service department around 10 times to seek resolution. They still maintain that the taxes have been paid although the county has no receipt of the payment and Loancare can not produce anything indicating that the taxes have been paid. The title company is hesitant to resend the wire until the alleged escrow deficiency is resolved. The only record of payment that the county has is from the title company at the time of close from the funds of the sale. We have had the County on the lookout for Loancare 's tax payment. To date the payment has not been received by the County and Loancare will do nothing to resolve this. The title company is in the process of filing a formal complaint with the CFPB due to the trouble both of us have had getting this resolved. I am turning to the CFPB because it has been two and a half months since I have closed on my mortgage and we still have no resolution. Loancare has sent a foreclosure notice to me for a property that I no longer own. This is unacceptable to put it mild. I am at risk for having late payments posted on my credit report because of my mortgage company 's inability to get this resolved. If they had paid the taxes as they said the county would have received it by now and returned the money. They are lying to me and the title company and we will not suffer for it. In actuality if anything they owe me money from escrow after all is said and done. Please help.

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 2023-11-07
Company: DISCOVER BANK
State: NV
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:
In mid XXXX I received a call from a collection agency telling me that I was going to be served court papers that day if I did not pay {$2600.00} from a credit card that I had 15 years prior. This company, XXXX XXXX threatened me that if I did not pay that day that I would be having to appear in court and pay triple that amount in attorney fees. I had recently had a baby and they used scare tactics that made me terrified that if I didn't pay right then I would be owing thousands more. In fear, I signed their paper and paid the fee on my discover card. After the call, my husband came home to me in tears and told me that the cc in question had already gone through collections years prior and that the statue of limitations on the in question charge was past. I immediately called the company back and tried to cancel the payment and they were unwilling to do so. I asked them for the discovery on the card and they said I would receive it in the mail. I had not received any notifications of this prior to their call ( by phone or mail ). And have yet to receive any detailed info that I asked for regarding the card and past payments. I retracted my signature to them by phone and email hours after and they have ignored every request I have made for more info. I opened a claim with the fraud department on my discover cc and they refused to refund the money as well. I was vulnerable and lied to as well as threatened in regard to paying this and they have denied giving me any information that I am entitled to regarding this 15 year old cc balance. Discover card opened a dispute but said it was not valid. I have tried working with discover as well as XXXX XXXX and nobody has helped me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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:
THE FRAUDSTER EXPERIAN, XXXX  AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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 2019-06-17
Company: AMERICAN HONDA FINANCE CORP
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:
Honda Financial Services Account # : XXXX VIN Number XXXX Dear Sir, My payment was late once with Honda for more than 30 days but i was not informed that they are going to make account delinquent. when i found out it was already on my credit report. which significantly affected my credibility. i explained to honda financial service by phone that i was travelling international thats why could not pay in time. but they said it will stay current. please help me remove this from my account. i have attached my recent statement for your reference. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: GA
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:
CITI Charging Cash Advance and Interest Fees on XXXX Transactions Card : AT & T Universal Card - Mastercard As of XX/XX/2020, CITI appears to have started charging cash advance and interest fees on XXXX transactions. I have used XXXX for over a year with it linked to my credit card and they never previously assessed these fees. As of my recent statement starting XX/XX/2020, I am now being assessed cash advance and interest fees. More importantly, I never received any notification from CITI about in change in terms and them starting to assess fees on XXXX transactions. 

I contacted CITI multiple times and all representatives insisted that charges for cash advances has always been part of the card terms. I informed them that I have never previously been assessed a cash advance fee for XXXX transaction, and they refused to acknowledge that fact. Rather, they put the blame on XXXX and said the merchant needs to fix their integration with XXXX. I've been using these same XXXX merchants for a year and this was never a problem previously. 

In all, it seems that CITI is scamming its customers and refusing to acknowledge the change on their end.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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  has violated my rights. Or a list of inquiries : 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 an 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 or 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 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery Associates is using false and misleading statements, specifically that they are a Creditor, which they are not as defined by 15 USC 1692a ( 4 ). PRA has admitted they are a debt collector and not a creditor, proving their violations of the law. PRA is falsely claiming the Consumer Finance Protection Bureau furnishes consumer credit reports and using the term Bureau, defined at 15 USC 1692a ( 1 ), to compel payment of an alleged debt. Furthermore, PRA unlawfully accessed my credit report, specifically XXXX, on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Wells Fargo I was issued a check for XXXX from the overpayment of my deceased spouse 's car loan. I was informed to send the check back with proof of his death certificate and marriage certificate so the check can be reissued in my name, when I called the company they said they never deceived this documentation, which was sent on XX/XX/XXXX. In the meantime, I am out of money that is owed to me and I need that money to eat. Wells Fargo is a scam in every sense of their company.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I wrote to XXXX requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

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