BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
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: Unexpected increase in interest rate

Complaint:
Several times American Express offered me 0 % interest. I finally took them up on that. When it was over, Hurricane Irma had just hit and I have 2 properties in Florida. When I called about something else, they informed me I would now get 0 % " until further notice '' on TWO different calls that was confirmed! Suddenly, in XX/XX/XXXX, I began accruing interest and finance charges to the tune of now almost {$3500.00}! I have always paid off my balance every month and refuse to carry a balance or accrue interest. I consider myself extremely detail oriented and I would like someone to listen to the audio calls where these agents told me these things. They have credited back a portion of the fees but a remaining {$2000.00} is still disputed. Every time I call I am told something different than the last agent. It seems their agents are not trained properly and are misinforming clients. All I want is for the finance charges and interest that they promised to credit back, be completed. From there I will go back to paying my balance in full every month as I have for 17 years. I was not in need of the 0 % but it sure did help since my rental property in XXXX XXXX went 4 months with no rentals due to the hurricane. If I had thought I was going to have interest charged I NEVER would have carried a balance, or if I was told a DEADLINE I would have paid it off before that. I just now discovered in going through past statements to report this, that they have another {$100.00} accrued over the months during which i had 0 % interest! I had paid it off until XX/XX/XXXX. My 0 % interest was from XX/XX/XXXX-XX/XX/XXXX. How, if my balance was paid IN FULL through XX/XX/XXXX, can you start charging for a small portion of the balance during 0 % interest time?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Incessant calls and rude operators trying to sound like official entities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 2018-06-15
Company: Comerica
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original service provider -- XXXX XXXX XXXX XXXX collection company -- Continental Credit Control By law, it is my understanding medical bills are not permitted to go to collections before 180 days. What the original service provider and the collections company they are using are doing is illegal. 

First bill for this was on XX/XX/XXXX -- per my statement. Meaning we're only at 120 days, before the original service provider sent this for collection. Very well before the legal timeframe.

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2021-07-19
Company: High Performance Capital
State: NV
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:
I received the final payment of {$100.00}. Which I paid. I know there might be late fees but they never showed on the statements. XXXX from HPC called and said there were late fees. I asked him to send them to me in writing so I could pay them. He said he wouldn't that he was giving them to me verbally and I should write them down. I asked him to please have XXXX call me, ( XXXX was the one who set up the end of the month payments with me ). XXXX has never called. The next statement came, Account balance {$1.00}. Car repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

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

3. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In early XXXX I was checking into rates for debt consolidation loans, I filed out some information but didn't accept any of the loans because I didn't have the paper work needed at the time and my bank wasn't on the list of banks pulled up for deposit. I didn't think any more about it until {$600.00} was deposited to my account on XX/XX/XXXX. I emailed the company on the XXXX with questions and they replied that they needed more information so I sent them the information they requested. I got no reply so I emailed again on the XXXX trying to find out if they could take the money back and after waiting several days I found a phone number and called on the XXXX, the person I talked to said they couldn't help me and connected me to someone at national small loan and the lady I talked to there said she would talk to her manager and to stay by the phone because they would call back I have yet to hear from them, and the money is still in my account. I am trying to build my credit up and I don't need this looming over me, I can't afford the payments they have set and I just want them to take the money back and cancel the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Eastpoint Recovery Group, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX from Eastpoint Recovery Group has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: CA
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:
For nearly 3 years Experian has been unable to provide my credit report. They told me they lost it. Its as if I dont exist to them. I need this resolved once and for all so that I can purchase a vehicle.

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 2020-08-01
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed unemployment insurance claim and had been waiting receive the card. 
On XX/XX/XXXX, I didnt receive the card, so i contacted bank of america prepaid card, and talked with agent. The agent advised me to wait until XX/XX/XXXXWednesday and if not, call back. 

On XX/XX/XXXX, still I didt receive the card and contacted Bank of America Prepaid card. However, I was heard that someone already stole my card and activated, even used up the balances. Even the mail stealer reported card lost and requested new card with expedite delivery. So, i said i never received the card. Since the person who stole my card updated his email address on my card, so i changed the email address and mailing address from edd website. After that, i requested new card. 

On XX/XX/XXXX, last day, the dispute department was already closed, so i called Disputed or risk team and said same things what happened to me. The person told me that i will receive a letter and will receive the credit. Also, i visited post office and reported mail stolen and as advised by call center, reported money transfer in usps by stolen person. 

On XX/XX/XXXX, i received a card ending XXXX via XXXX to old address. Since i changed address and requested new card, i thought this card not available to be used. 

On XX/XX/XXXX, i received another card ending XXXX via normal post office delivery to newly updated address. 

On XX/XX/XXXX, i tried to activate card endingXXXX, but i didnt allow me to do. so i tried with card ending XXXX, it was activated. However still no credit was given for the amount that i didnt used. No letter received yet. 

I was very confused, and i wanted to ask someone in bank of america, but no one answering. 

I want my edd money back as soon as possible since currently im not working due to Covid-19. 

Thank you.

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Wells Fargo Bank on XX/XX/XXXX when I noticed unauthorized activity on my account dating all the way back to XX/XX/XXXX. I filed 2 different claims bc of the length of time the fraud began. The claims numbers are XXXX and XXXX. I was told due to Reg E that the claim ending in XXXX would take up to 90 days to get processed. I was then told the claim ending in XXXX would be processed differently as the charges occurred within 60 days and a provisional credit would be issued. The provisional credit was not issued within the 48 hours that they said it would be. I spoke to several different reps on Friday, Monday and Tuesday trying to get this resolved. I keep getting the run around. They are now saying the cases are being merged together. That provisional credit will not be issued. This is causing a financial hardship for me and my family. I have XXXX small children who have 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 monetary relief
Consumer complaint received 2018-12-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 I had an overdraft line of credit debt with Citizens Bank. I was given a credit in the amount of the debt by a XXXX in a RI branch. I had paid a total amount in the amount of the debt of XXXX besides the credit that was given. Citizens bank is not finding the credit or the payments of XXXX and have reported me on my credit reports owing an amount that I have paid them, XXXX. I have called the Company numerous times and they had even admitted their mistake but will not do anything to correct this. This debt is paid for and credited once therefore being paid for twice now they are asking me to pay a third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im am a victim of identity theft and as a result, there are accounts on my credit that I have no knowledge of. Please remove and block these accounts from my report as it is causing stress and hardship.

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 2018-06-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My school taxes have not been paid and have went to collections. Multiple charges have been added for late fees and collections. I have called since XX/XX/XXXX with no resolve.

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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX Bank of America arbitrarily started charging monthly account maintenance fee from XX/XX/2021. There was no balance changes between XX/XX/2021 and XX/XX/2021. Statement copies attached XXXX XXXX Bank of America claims I never had a debit card. Debit card picture attached

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 2019-03-26
Company: WLCC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for a loan then was told they had to talk to Social Security to verify information and then they wanted all personal info. plus Income proof even after saying loan was approved and verified they said that because of the way the direct deposit fell they needed 3 months banks statements this sounds very shady plus it supposedly comes from an Indian reservation yet the calls # XXXX XXXX XXXX are coming from XXXX wyoming and their mail form says they do not have to follow the fair lending act or abide by fed credit rules

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft, which I have previously stated, somebody's account is on 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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have contacted the collection company and experian, XXXX, Transunion I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

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 2018-06-29
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity 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