BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The principal balance was {$38000.00} and {$9000.00} in unpaid interest prior to filing bankruptcy, Then when I filed bankruptcy they capitalized the {$9000.00} in interest to the {$38000.00} loan and increase the principal balance to {$47000.00} and now interest is accruing on {$47000.00}. Because I filed bankruptcy, I now owe {$51000.00} due to {$3600.00} in new interest, had the principle balance stayed at {$38000.00} then I would only have been charged {$2900.00} in interest ; therefore, I now have to pay {$690.00} more in interest to date than if the student loans were not capitalized. How is this evil tactic legal? Fed Loan Servicing is kicking me at my worst and is an EVIL company for doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: NC
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:
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. Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
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:
On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: NJ
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  is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.

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 2020-09-03
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.

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 2022-11-24
Company: EQUIFAX, INC.
State: NC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX Synchrony Bank took out the full balance due on my card. I had set this up to be a monthly payment of minimum due. I now have bank fees because i didnt have {$7600.00} to cover the balance on the card they took out of my bank account. I contacted synchrony bank and they told me to contact my bank and have them deny the transaction and they assured me my account was now for SURE set up to be monthly minimum amount due, and my late fee would be waived when i am able to make the payment after my bank clears everything. 
I contacted synchrony bank 2 days later to see how long i need to wait because it still showed my balance of being XXXX due, and i didnt want this to hurt my credit for being late. 
Fast forward to XX/XX/23 1 WEEK AFTER THIS HAPPENED, they now took out the full balance AGAIN!!! of {$7600.00} which has now caused my bank account to overdraft from insuffiencient funds. I contacted synchrony bank and they told me the same thing. I feel like this is some sort of scam of taking the full amount out. I know for sure the same thing happened to someone else we know who also used this promotional 0 % interest for sleep number bed and was approved for the same card. The SAME EXACT thing happened to them. Synchrony bank said they arent liable to pay bank fees because it isnt their fault. How is this not their fault??? They took out a full amount not once but TWICE in 1 week!!!

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 2021-07-30
Company: EQUIFAX, 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:
On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Specialized Loan Servicing LLC, our mortgage loan servicer. appointee by XXXX XXXX  XXXX, manipulating our mortgage account for past three years. 
They bought three years of home insurance policy on their own without our permission and without having any authorities or rights and adding the cost of their purchases into our monthly mortgage bills. 
We as a customer have a right to have a correct receipt and bill. In order to confront them we stop to pay their incorrect bills. They started harassing us by sending Collection agency after us and now they brought a case against us in a Civil court for being in default and filled for foreclosure on our home. 
The cost of their three years of home insurance policy is nearly XXXX dollars. that they already added to our mortgage account.

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 2019-09-20
Company: CITIBANK, N.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I'm currently resident in Virginia and XXXX-XXXX XXXX student. 
Before now, I was based overseas as an XXXX XXXX with visits to the USA only. 
I recently received a credit score from XXXX  and XXXX which specified that a MACY/DSNB account : Partial Acc # XXXX was opened on XX/XX/2013 and first reported on XX/XX/2013 with a credit limit of {$100.00} and High Balance of {$98.00}, is against my name and SSN. 
I emphatically state that I NEVER opened any account with MACY as I was NOT resident in the USA at the time / nor present in the country and I WAS NEVER aware of this account existence and was NEVER initiated by phone /email /any other form of communication contact by MACY. 

Please NOTE that this as far as I am concerned is an IDENTITY THEFT and infringement of my right as an individual. 

I NEVER entered into ANY contract with MACY and this is NOW on my credit report. I am only made aware of this on returning to the country, on getting my credit score for purchases and trying to settle in for my XXXX studies. 

I need this to be expunged by MACY from my Credit record urgently.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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  XX/XX/XXXX XXXX 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 2020-12-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I went through Pay Pal to make the final payment on a work of art jewellery XXXX from XXXX XXXX plus shipping final payment is XXXX which they have put on hold because they want my selling information such as shipping and delays info on my products. I do not sell any items ship or otherwise-I have told them at pay pal PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX many times I can not make them understand, customer service tells me that they can do nothing until I submit what they want And I Can not, I Do Not Sell on pay pal!!! the records on my account show only outgoing payments no inbound- can they not read? this is harassment! I want that payment sent. this is what they send me and I tell them I do not sell on pay pal You can include the following info as notes to help us understand your account activity better. 
A detailed description of the items you've sold. 
How you ship your products including information on delays. 
Any information on the products you sell and how you sell them. 
Transaction Amount : {$XXXX} Transaction ID XXXX Date of Transaction : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2023-08-21
Company: Security Credit Services, LLC
State: GA
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/2020, I mistakenly made a {$62000.00} online payment toward my business CC with Bank of America ( BOA ). What I intended to pay was {$6200.00}. On XX/XX/2020 I realized the mistake, called BOA right away to request that they cancel or return the payment. I was told that since the payment was still pending I should call the bank ( XXXX ) from which the funds were going to be withdrawn. I called XXXX immediately and they also said they could not do anything from their end and I needed to call back BOA to have them return the funds. I called on XX/XX/2020 and spoke to a lady who told me that they would have to send a check and that she was obligated to inform me that this could take up to 30 business days. I was astonished but suspected that I did not get the right information. So I called back the next day and spoke to XXXX who informed me that the request to have the money returned was in progress but the amount was incorrect. She asked me if I had given permission to withhold enough money to pay off the CC balance and I said absolutely not. XXXX proceeded to confirm with a representative ( XXXX  ) from XXXX that the {$62000.00} had been withdrawn from my account and XXXX confirmed this. XXXX then made arrangements to have {$55000.00} wired to my XXXX account and informed me that it would take 24 to 48 hours for the money to be in my XXXX account. Preoccupied with trying to keep my business going during these extremely difficult times I was satisfied that this was in progress and that I would soon get the balance minus the {$6200.00} that I had intended to pay initially. This morning, Friday, XX/XX/XXXX the first thing I did was to check with XXXX. There was no record that there was an incoming wire from BOA. I called BOA immediately and spoke with XXXX who calmly told me that the wire was on hold because it had to go through several layers of approval. At this point, I was so irate that BOA was sitting on such a significant amount of money and they were taking their time to return this to me. I asked to speak with a manager because I could not believe the gall/nerve that they would take their time returning this money. I spoke with XXXX XXXX and he was no better. He gave me their reasons for the delay and essentially showed a total indifference when I told him that I depended on these funds to keep my veterinary clinic open. He was relentless telling me about the procedures in place that prevented BOA from expediting the refund. I have no words to describe how incensed I am that a bank can be so rigid at a time like this, and also have such little regard for a long-standing client who holds three CCs  with this bank. This, in a few words, is no different than robbery!

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 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 extortion. 
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-02-15
Company: Stride Funding, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of XXXX, I filed for a XXXX XXXX bankruptcy and my discharge was granted in XXXX of XXXX. The discharge included the debtor, i.e., XXXX, XXXX XXXX, Stride Funding, for an Income Share Agreement Contract ( ISA ) in the amount of {$15000.00} signed XXXX, XXXX for attending XXXX XXXX, a software engineering bootcamp. 

The creditors were included in the bankruptcy, but ever since the discharge in XXXX of XXXX, the creditor Stride Funding has consistently attempted to collect on the discharged ISA debt. 

The attorney handling my bankruptcy sent Stride and XXXX XXXX letters on numerous occasions to stop collecting - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i.e., one for each invoice they sent via US mail. 

Now, in a recent collection letter dated XXXX of XXXX, they are passing this ISA to a new Servicer, i.e., XXXX XXXX, XXXX. in XXXX of XXXX to collect on this ISA. 

The attorney handling my bankruptcy suggested the next step for me is to reach out to a law firm handling these types of cases and sue using an agency he referred. 

When I entered into the ISA agreement, I was never informed the ISA contract was a Student Loan nor was I informed the contract was not a dischargeable in cases of bankruptcy. 

Now instead of dealing with attorneys and the courts again, I simply want Stride to stop collecting and honor the discharge.

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