BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express continue to harass me about making the minimum payment that is due XXXX XXXX for the amount of {$1200.00} dollars which most of that balance is pay overtime charges with interest charges and excessive interest fees. The entire balance of {>= $1,000,000} which was combined with 2 pay overtime direct balances, which is double billing with excessive late  fees charges and excessive increase interest rate charges when late fees are applied which causes the balances to increase. Also in XXXX my pay overtime account was inactive for almost 7 years, it appears when it was reactivated in XXXX they tried to change numbers around and adding the accelerated interest rate fees charges and accelerated interest charges on each monthly balances. This went on for years Im still going through my billing statements because I been a loyal member since XXXX I really never paid any attention to my statements, only if a saw a big problem therefore this situation was subtle and complex because you could not go on line and review your pay overtime balances which I always question. They changed my statements billing and pay overtime balances 3 times when I started asking about the billing of pay overtime and pay overtime direct in XXXX when they activated the pay overtime features on my statements. Right now there is a dispute for the billing amount of {$22000.00} but really the dispute should be on the entire amount of {>= $1,000,000} because that balance also includes excessive interest fees charges and excessive interest fee payment on the balances. I have paid my portion of the charges that I made last month which was {$700.00} and I made no charges for XX/XX/XXXX. Therefore they are still sending me text messages and calling me on my phone harassing me to make the {$1200.00} dollars minimum payment on the above balances. Also I notice that {$3100.00} dollars I paid on line in XX/XX/XXXX was not applied to my bill only the {$6900.00} in which my credit union paid off the entire bill therefore XXXX, XXXX and XX/XX/XXXX I paid a total of {$10000.00} that also included pay overtime balances excessive interest fees charges and excessive interest rates charges and I know I over paid. American Express owes me for the over payments balances of pay overtime and increase balances and increase interest rates with increase interest charges. {$11000.00} and maybe more

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Arcadia Holdings, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
im unable to get my XXXX  report I have mailed them my proof of address and phone number and ID the bankruptcy is not mines and needs to be removed from all 3 reports. can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/19 I created a Venmo acocunt to send my son ( XXXX XXXX ) {$43.00} that I owed him. The funds immediately showed up in his Venmo account. As soon as I sent the money though I received an email that my account was frozen as did XXXX. In communication with customer service I was asked to send a bank statement and my ID which I did, including a picture of me holding my ID. On XX/XX/19 about 10 minutes after submitting my ID & bank statement I received an email from XXXX XXXX of Venmo that stated my account was deactivated. Further " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes. Should these funds be available for transfer at that time we will reach out to you directly. '' Even though the money was instantly sent to my son 's account his account was frozen so he was unable to access the funds that I sent. Two days later the {$43.00} that I paid my son was removed from his Venmo account and transferred back to mine. I used a Visa debit card with Venmo. I have no idea why my account was deactivated, furthermore I do not see why they would hold on to my {$43.00}. As of XX/XX/19 at XXXX they are still holding my money. I am the one that made a profile for Venmo on XX/XX/19 & set up & approved this transfer to my son. I contacted the Federal Trade Commission, the fraud department of XXXX XXXX, the XXXX   XXXX XXXX and the XXXX  XXXX XXXX XXXX. By Venmo transferring the money to my son and taking it back and then putting it in my online Venmo balance but not allowing me to access it I consider it fraud by Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: Exeter Finance Corp.
State: TX
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:
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
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:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-10-12
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened a case with you earlier that you have closed with BSI. XXXX. 
BSI HAS NOT RESOLVED the issue. We have made a very reasonable offer and gotten no response. 
I absolutely do not feel that they are acting in good faith. Rather they are stalling until they can start foreclosure proceedings and force me into settling. NOD was filed XX/XX/2020 so as you know they can set a foreclosure sale date after XX/XX/2020. It is obvious that they are running out the clock so that they can apply maximum pressure to an already distraught XXXX. 
Because of all of this I am currently being treated for XXXX. Please review my original complaint and reopen it. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2021-01-20
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Flagstar charged me {$30.00} for each request for a payoff statement. Today, they could not tell me who requested the payoff only a fax number. They told me it had been requested by fax 5 times, once in XXXX, XXXX and XXXX and twice in XXXX. They gave no date. The total cost was {$150.00} with no accounting of date of request or who requested the payoff. 

I feel it is very unethical for the fee to be so high and provide no accountability of the validity of the charge Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA 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 2018-12-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
there accounts don't belong to me. please remove accounts : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A se
ction 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 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 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting XXXX XXXX XXXX on my credit report. The have declined to remove this name because they are indicating it is part of my credit history. There is no where in my credit history that refers to XXXX XXXX XXXX I have received a copy of my credit report from XXXX XXXX XXXX XXXX   and Experian. Experian is only reporting this name under my personal information. I need them to provide the source from where they obtained this information other than sending me an automated response. I need to have this removed and need to contact whomever is reporting this inaccurate information so it can be removed. Can you please have Experian provide the source so I can contact them directly.

Thanks

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 2018-12-21
Company: Ameritech Financial
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been paying AFBC since XX/XX/XXXXto help with my student loans. I paid {$49.00} every month and I thought my loan would be forgiven after I paid so much money. Now, I know it was all a lie and the FTC is suing them for scamming people. All the numbers and contact information has been disconnected. When I was able to contact them, they told me the that my students loan situation had not changed and they were still handling everything. They lied to me and now I can't get in touch with them. Is there anything I can do to get my money back? I really hate this situation. I paid them {$2300.00} plus another {$600.00} to get enrolled. Thank you in advance for any help.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Ok so pretty much this is with Navy Federal Credit Union. I originally went online to try and reopen an account that I once had over 15 years ago when I served in the XXXX. The reason why is because my current account had been closed through a digital bank without warning for no reason and if there was a reason I wasn't given that reason. I also filed a complaint about that. I did not hear anything from this bank for over six months so I decided to call. The first csr basically tells me because I was married so my last name is different in which I submitted the documents online. But I'm pretty much been given the run around simply to open a checking account and I'm furious it's apparent it's me if it's on my ID IF IM STANDING IN FRONT OF YOU IF IM VERIFYING THINGS ON THE XXXX ACCOUNT. but yet again they are asking to see the documents again. I am a XXXX XXXX so I'm not home during the week and it's super inconvenient for me to have to keep going through freaking rollercoaster rides for a simple account it's XXXX  and I'm sick of it they need to relax their requirements of the person is clearly there and they have already submitted documents they should have to keep repeating the same XXXX thing over and over and you need to tell your csr to make sure they know what they are talking about before they give a potential client or cusomter the XXXX run around. Y'all should be glad people want to bank here

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report

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 2021-07-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had applied for a loan modification on my second mortgage. SLS had approved me but the surprise was that the bank asked for a XXXX down payment which I didnt have. I am hoping that the OCC can help me save my home and work out something with my lender.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report that I do not recognize

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 2020-01-25
Company: EQUIFAX, INC.
State: MD
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:
Let me start by saying that unfortunately I have been informed of several financial institution breaches, compromising my social security number, date of birth, addresses and other personal information. I have since been monitoring my credit report. 

On XX/XX/2020 I sent a document ( see attached ) to EQUIFAX to ask them to remove the ( 2 ) negative accounts that I disputed, via CFPB. I received a court document dismissing the case. 

Per my credit monitoring service ( XXXX XXXX ) I noticed EQUIFAX had opened ( 2 )  investigations on two old account ( XXXX XXXX XXXX  and NOT THE XXXX  Accounts that I clearly requested!!!! with documents attached!!!!! 

On Friday XX/XX/XXXX XXXX am I called EQUIFAX to try and clear up another mess that they created!!! My call was answered by a lady who identified herself as XXXX, I confirmed with her that it was the XXXX Call Center, the rep sounded completely inadequate and may have been in training. I asked as it is my right to speak to a Supervisor and she refused asking me to hold. It was clear that there was a language barrier, and a clear indication that this rep should not have been handling any sensitive information.she returned to the line and disconnected the call that went straight to a survey. I did NOT sleep knowing that someone with this little training was handling my request and personal info, after all the breaches and compromises!!! Please help remove this off of my report. It is important to me to remove and clear my report for upcoming employment and access to health coverage. ( I am healing an injury ) I can not believe EQUIFAX botched this request up and may open an investigation on accounts not requested by me! ( this has lowered my score per my last check on XX/XX/XXXX. 

Please help me! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation