BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have attached my last three billing statement to support my claim with dates. 


I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. 


Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. 

Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. 


Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. 


Discovers practice should be investigated, as it is deceitful and unclear. 


I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX  and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. 


Additional History : Note : The original balance transfer was XXXX dollars. 
Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted a payment to Lowes/XXXX XXXX, for the payment of {$800.00} dollars, which posted XX/XX/2018. I didn't get notification the check didn't clear the bank as insufficient funds from my credit card company, XXXX XXXX. I was lead to believe the check was cleared for {$800.00} dollars. I spoke to the agent over the phone several time to confirm that everything was fine. The agent submitted the {$800.00} dollar payment to credit bureaus as an OFF CYCLE credit reporting to the credit reporting agencies for payment. This was done three weeks ago. Today isXX/XX/XXXXXX/XX/18, and I've received a 30 day late from Lowes/XXXX XXXX for non payment because Lowes/ XXXX XXXX didn't informed me the payment had been returned. I got a credit alert XX/XX/18 stating that I just received a 30 day late payment from XXXX XXXX. I called them and was told my payment was returned XX/XX/18, which was three weeks from the date I submitted payment. I then spoke to my bank, and was told the check was returned XX/XX/18 for insufficient funds. They took three weeks away from the time I had to to repay that check, and then called it 30 day late and reported it to the credit agencies. They didn't allow me a chance for repayment. I've had this account over two years and have never once been late. Not even one 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9200.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my 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 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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  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 explanation
Consumer complaint received 2021-07-10
Company: Nelnet, Inc.
State: FL
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/2021, I filed a dispute with XXXX, XXXX, and XXXX  in regards to my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Innovis
State: IN
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 belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Wells Fargo on XXXX day regarding a transaction that I had completed using XXXX. Since I did not receive the goods I was promised, they explained to me that I could dispute the transaction. Th next day I contacted cashapp and they stated that they would refund my funds but the bank would need to submit a refund request. I submitted all the documentation to Wells Fargo regarding the information I received from XXXX and for their investigation. On XX/XX/XXXX, I was notified that investigation was final and they were reversing the transaction. I contacted XXXX  and they stated that Wells Fargo did not contact them and I ask Wells Fargo why they stated that they did not have too since it was my account regardless of the fact I did not get the product I received and the company was going to refund the money.

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 2021-07-11
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be 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 2018-05-24
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: AL
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 have sent several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Everyday for almost 2 weeks I have called TransUnion to request that all non medical collections accounts in dispute status by myself, to have my dispute removed. Everyday they say it is done. The next day I call to confirm just before the lender pulls my credit and low and behold the disputes are still there. New inquiry old dispute. I call again. Repeat this cycle for 2 weeks. My score has dropped double digits during this time only with Transunion. I am begging for help. Im so unsure as to what I need to do to be successful with TransUnion.

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 2019-03-28
Company: CMRE Financial Services, 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 Insurance did not pay the correct amount for the ER services even after the new law went into effect for using an IN NETWORK hospital, the attending Physician wasn't IN NETWORK. They were supposed to pay this bill, I had several contacts with the Insurance company and they said they would pay the bill. In the meantime CMRE collections reported this on my Credit Report. It has been ongoing for over two years and CMRE should have removed this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was made aware of the ability to check my credit report weekly for free due to the pandemic. I noticed a debt collection on my credit report. I immediately contacted the company on file. After contact with the company, I did not receive a 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt went.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: CA
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'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: BB&T CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to send {$300.00} to my son via XXXX on XX/XX/XXXX. I used my smart phone and sent the funds to his cell via text. My son only has one number listed in my smartphone phonebook. The transaction went through and the funds were immediately withdrawn from my account. On XX/XX/XXXX I discovered that my son never received the money. I filed a complaint with my bank. A claim was investigated and I was informed today that my request for reimbursement was being denied. The recipients financial institution will not return the funds and neither will my bank.

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 2018-05-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Consolidated loans after graduation XX/XX/2016. Had set up up automatic repayment options. Thought they were taking out payments. Every month I would sign into Navient and try to make a payment however the monthly statement said XXXX for nearly a year I struggled to get them to accept payment. This caused interest to accumulate on my account that my whole payments were being applied to interest. I made several payments where 100 % of my payment went to interest nothing to principle bc they have XXXX statements. Still my statements claim I owe XXXX. But after confronting them, they finally started automatically applying my XXXX payment to my account. Total Ive paid in extra on interest because they would not accept payments. Then randomly they finally autodrafted the payments that I had been requesting to come out. This has resulted in capitalization of interest that I tried to to not have happen. Its wrong that they have been allowed to steal nearly XXXX dollars in interest because they refused to allot account balance. Ill be paying off student loan debt longer because of these miscalculations on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No.  XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. 

I'm a bit in a panic state about this. 

I'm XXXX years old, on a pension and social security. 

A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. 

My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. 

My maiden name at the time I went to XXXX was XXXX XXXX XXXX. 

I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. 

I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. 

If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. 

I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. 

Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. 

XXXX XXXX XXXX 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