BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX I was in a serious car accident, I had a XXXX XXXX that required me to be put in a XXXX. My american express account was being paid by my father, but due to XXXX payments being late a few times the account was paid late. A collection Specialist from American Express was assigned to the account, he spoke to my father and was told of my situation, however this man harassed my father, called my employer over and over again demanding them to have me call, he called my elderly father-in-law at his rest home and made him cry, he called friends of mine, he was told over and over that I was in a XXXX in the hospital and could not come to the phone. this collections specialist then closed the account that had been open since XXXX. Originally it was my fathers account and when I was in College he added me to the account for emergencies, somehow years ago I was made the principal. Now because of this when my father tried to pay the account off this collections specialist would not allow him to do so, stating he had to speak to me directly even though I was unavailable in the hospital in a XXXX. I have now paid for 3 extra months of interest due to this collections specialist not allowing the pay-off by my father. Every call you place to American Express is routed to this man, you can not speak to a supervisor or anyone else once you give the account number they just transfer you to him. He is abusive, he berates me for not calling him back, for avoiding his calls all this time, he is the party that closed the account and his unkind failure to understand the medical situation I was in is reprehensible. American express has allowed this man to operate outside the boundaries of normal collection practice, he has provided to outside parties that my account is in collection and past due, harassed my work, family, friends all outside the boundries of the law. Now today I tried to call myself, even though I am unable to really speak great, I forget words, it takes me time to explain myself, I must think before every word, but all I got was this mans abuse. He called me back for over an hour every couple of minutes and hung up on me, he pretended to be someone else, when I asked his name over a few times he finally said his name and hung up. I need to pay this account off but can not get anyone to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. Trans Union failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX XXXX. 

XXXX. Trans Union failed to verify that XXXX XXXX and XXXX XXXX accounts were accurate. 

XXXX. Trans Union never provided a notarized investigation report for XXXX XXXX and XXXX XXXX instead they sent a Investigation Results pages. 

XXXX. Trans Union stated XXXX XXXX was late XX/XX/XXXX then removed this late date of XX/XX/XXXX and change the date to XX/XX/XXXX. 

XXXX. Trans Union stated XXXX XXXX was late to XX/XX/XXXX after ( XXXX ) dispute requests however they never notified me they switched the date. 

XXXX. XXXX XXXX provided a payment log to Trans Union. In this payment log I was never charged a late fee for XX/XX/XXXX or XX/XX/XXXX because I was never late. 

XXXX. XXXX XXXX XXXX has never provided a payment log and I have never been late. 

XXXX. XXXX XXXX XXXX also stated I was late XX/XX/XXXX and then they switched the late to XX/XX/XXXX on my XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-07-11
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI WAYPOINT RESOURCE GROUP / XXXX XXXX XXXX # Account Number XXXX ; Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over XXXX years an it has not dropped off yet.

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 2021-09-21
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was doing my quarterly credit check and I found an account from affirm inc for {$700.00}. Tried to contact them in XXXX and XXXX with no luck to deny and have account removed. Somebody used my information to start and account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on XXXX and TransUnion. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

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 2021-04-14
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE CONTACTED CALIFORNIA XXXX XXXX TO DISPUTE THIS ACCOUNT. 

I HAVE REQUESTED PROOF/DOCUMENTS FROM XXXX THAT I OWE THIS DEBT AND THEY CAN NOT PROVIDE ME WITH ANY. 

I ALSO SENT MY CORRESPONDENCE BY CERTIFIED MAIL AND THEY DID NOT INVESTIGATE MY DISPUTE AND RESPOND WITHIN 30 DAYS I FOLLOWED UP WITH A PHONE CALL AND THEY STATED " THEY DID RECEIVE THE LETTER '' MY CREDIT REPORT WAS NOT UPDATED AS DISPUTED. 

I THEN APPLIED FOR A MORTGAGE AND RECEIVED A A HIGHER INTEREST RATE. 

GIVE THE AUTOMATED UNDERWRITING PROCESS, THE FACT THAT XXXX DID NOT UPDATE THE ACCOUNT AS " DISPUTED '' IMPLIES THAT " I AGREE '' THAT THIS ERRONEOUS MEDICAL COLLECTION BELONGS TO ME AND ALL THE INFORMATION IS CORRECT. WHICH IT IS NOT. 

THIS ACCOUNT MUST BE REMOVED FOR REPORTING FALSE, ERRONEOUS AND MISLEADING INFORMATION. 

ALSO, UNDER THE XXXX THIS COMPANY " XXXX '' IS REQUIRED TO REPORT UNDER STATE LAW, ACCURATE, OBJECTIVE INFORMATION WITH MAXIMUM POSSIBLE ACCURACY BEFORE IT EVER EVEN DISPUTED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-07-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
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2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.

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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking account for myself and then another account for my XXXX old daughter that JP Morgan Chase allows . I attempted to transfer money ( approximately {$5000.00} ) to her account from my current bank Commerce. Chase immediately locked me out from seeing all of my accounts including my credit card. I've called multiple times, spent hours on hold and have been hung up on when placed on hold. 

I called and requested a call back on Wednesday XXXX at XXXX. I missed their callback because it showed up as spam risk on my phone. I called them back at XXXX and again left a call back number. I called my chase credit card number and they said they couldn't help me, but that my credit card account information looked fine. They sent me over to " fraud '' and said it would be a 3-5 minute wait. When they put me on hold, the automation said it would be 40 minutes. I waited for 50 minutes and then hung up. I called again requesting a call back. The automation said it was a 5 hour wait. They called me back, put me on hold for 11 minutes and then hung up on me. 
Today XX/XX/16 I called and they put me on hold for 16 minutes. I got through to someone that stayed on the line with me. I told them I wanted to close my accounts including checking and credit because I no longer wanted to deal with this " customer service. '' They tried verifying that I was the one making the activity on the checking account, which included the {$5000.00} I had originally attempted to transfer to my daughter 's account. I told them that was me. They said they needed me to provide the debit card account information as a last step for verification. I told them I obviously didn't have it as it was a new account that was just opened and that I immediately had no access so can't see any account information. She continued to tell me why I needed to provide a debit card and I once again explained that I couldn't provide that since the account was opened a few days prior and that I couldn't see the account information and did not have a debit card. She put me on hold, then CALLED me on another line. I put the hold call on hold and answered the other call. She argued with me that she had only placed me on hold, but didn't call me. I said I had two open lines with her supposedly on it and which one did she want to talk on? She hung up on me. I called again and left my call back number. They called me back and I told them on a recorded line that they are to close all of my accounts and that I'm not doing this anymore and that I would be filing a complaint. He said he would have to put me on hold in order to get me to the escalation department. I told him " no '' and that he could take my name and number and call me back once they've figured it out. They haven't called. I have no access to see my accounts and no ability to close them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  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 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a fraud claim for an XXXX transaction in the amount of {$480.00}. I was provided the provisional credit fromBOA while the claim was being researched. On XX/XX/XXXX XXXX credited my credit card account for the fraud and on XX/XX/XXXX BOA removed their provisional credit. On XX/XX/XXXX, BOA removed the credit again, essentially double charging the account. I contacted the bank on XX/XX/XXXX and was told that the claim would be reopened and the charge would be reversed. On XX/XX/XXXX I was charged again in the amount of {$340.00} and {$130.00}, totaling {$480.00}. I called again this day and they said they would make a note on the open claim. On XX/XX/XXXX I was charged again for {$480.00}. I called Bank of America again and was told that the claim was re-opened on XX/XX/XXXX, When I initially called on XX/XX/XXXX. No one is able to tell me why I keep getting charged nor when my account will be made right. To date Ive been charged {$1400.00}. I would like my account restored immediately as well as corrections made with the credit bureaus as these amounts are being reported as part of my balance.

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