BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: Law Offices of Robert A. Schuerger Co., LPA
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received multiple voicemails from a Mr. XXXX XXXX, claiming to be a debt collector on behalf of XXXX XXXXXXXX University. Unfortunately, I do not have any record of when these calls or voicemails were sent to me, as I had checked my mailbox as of this complaint ( XX/XX/21 ). Multiple people from differing websites have also received the same call from this number, claiming it's fraud and impersonation of an attorney or debt collector. 

I do not live in Ohio, and I have already reconciled my student loan debt with my college. This is clear indication of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: TN
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico   say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.

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 2021-02-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After signing up with Discover in XXXX, I was unknowingly signed up for " Payment protection '' which charged me XXXX for the service. At the time, this was my first credit card and was hardly used. Over the next XXXX years, I used the card sparingly and always kept the amount charged low, resulting in minimal and unnoticed " payment protection '' fees. It was not until the past XXXX years that I began using the card more frequently thus having higher payments each billing cycle. After closely inspecting the most recent bill, I noticed a high charge for the payment protection program. Not having remembered signing up for this policy, I contacted Discover and began researching the fee on the internet. Discover tells me I signed up for it when I signed up for my card in XXXX. I also find out that shortly after the time I would have signed up, Discover faced legal action over deceptive marketing of this policy. During my call with Discover, they were unable to provide me with proof of my informed consent to enroll in the payment protection program. Discover offered a reimbursement of XXXX billing cycles, which I feel is far too little. If Discover faced legal action and made a large settlement payment in XXXX, after I was enrolled in the program, why was I continued to be enrolled? Why was I not notified that I was enrolled in a program that was the focus of such enormous legal action due to deceptive marketing? I feel that Discover was knowingly deceptive when signing me up for my card and willfully negligent following the settlement as they should have reached out at this time for informed consent, fairly and clearly, after enrolling me fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an HSBCNet XXXX XXXXXXXX XXXX XXXX account on XX/XX/XXXX that came with a {$300.00} referral sign-up bonus promotion. The requirements to receive the bonus were to deposit {$5000.00} within 30 days of account opening and keeping this deposit in the account for 90 days. I deposited {$5000.00} on XX/XX/XXXX and have kept it in my account ever since, as of XX/XX/XXXX. The bonus should have been paid out within 8 weeks of the full bonus qualification, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and I still have not been paid, even after contacting HSBC multiple times by phone and email and being told that the bonus will be paid shortly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: AES/PHEAA
State: CA
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:
My federal student loan repayment administrator, XXXX, has been overcharging me for the last three months by adding a charge labeled an " Additional Amount Requested '' ( which I am not requesting ) to the amount my bank account is auto-debited each month. 

Each month, my online XXXX account says my monthly payment is set, and the " additional amount requested '' field is set to {$0.00}. Then I get an email from XXXX that says I will be charged an " additional amount requested, '' bringing the total to be debited to $ 40-50 above my agreed upon direct debit per month. Images attached document this discrepancy for XX/XX/XXXX.

The specific inflated charges are : XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' to be charged, per email on XX/XX/19 : {$43.00} ; total XXXX said via email was to be charged on XX/XX/2019 : {$150.00} ( + {$44.00} from direct debit agreement ) ( XX/XX/XXXX XX/XX/19 direct debit payment suspended by XXXX phone representative ; one-time payment arranged instead ).

I have emailed and called XXXX to resolve this issue multiple times. In XX/XX/XXXX, I received the response below saying the issue would be fixed ( image attached ). Instead, I was overbilled another {$54.00} in XX/XX/XXXX, and the company did not respond to an email complaint. On XX/XX/XXXX, when I received an email notifying me that I would be overbilled another {$44.00}, I spoke to two customer service representatives by phone who were unable to tell me why I was being overcharged. A representative instead put my direct debit on suspension, meaning I lose the lower .25 % interest rate promised with direct debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase online through XXXX XXXX When I went to pick up the item the address provided was fake and the seller wasn't there. I called the police and filed a report and immediately reported to my bank and cash app. XXXX XXXX told me they could not get the money back and to try my bank. My bank refunded one of the three transactions and then proceeded to tell me that they could not refund the other two as they had no way of getting the money back from the seller. Chime told me I should ask the seller for a refund. I explained it was an internet scam and the seller was not responded. Chime claimed they could do nothing to get my money back as I did authorize the transfer. I explained to them I wasn't arguing the authorization but the receipt of goods. Chime proceeded to tell me there was nothing they could do and refused to give me contact information for seller or XXXX XXXX. All information was provided to settle in sellers favor but when I requested proof Chime sent me a heavily redacted copy that had the contact information blocked out. I have copious documentation to support my claim and all the information provided from chime. I only want my money back. Chime wants me to believe the seller has a one way money account and they can't zap money back out. Absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by XXXX  XXXX bank back in XX/XX/2018 for a closed bank account. Upon contacting XXXX  XXXX back they said that amount was an error and that the correct amount is {$370.00}. ChexSystem acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but CHEXSYSTEMS is illegally still reporting incorrect amount

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 2015-11-22
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX  can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AZ
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:
CREDIT REPORTING AGENCY DISPUTE - I've disputed an account on my credit report for proof of ownership with the Experian and XXXX and every time they come back VERIFIED! with no explanation of WHO they spoke to, and WHAT method they took to obtain verification ( Method of Verification ). They've ever only updated the balance on the account every single dispute i send out. 

DEBT COLLECTOR ( XXXX  XXXX ) - I've sent out a debt validation letter to XXXX  XXXX for proof of ownership on the debt of a credit card that XXXX XXXX claims is mine but their response to my debt validation letter was that they don't have a paper copy to send me of verifiable proof of an original consumer contract with my signature on it. After disputing the debt with the credit reporting agencies and the creditor ( XXXX  XXXX ) in cause of desperate measures to get this erroneous item off my credit report i decided to make arrangements to settle the debt with XXXX  XXXX. However when i attempted to make arrangements to make payment in immediate exchange for the " Original instrument of indebtedness in its original form. '' via certified mail to XXXX XXXX they didn't respond in a timely manner to settle this matter. I sent out a non response letter and they didn't respond to that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I approved XXXX mortgage lenders do pull my credit for a loan. Within 24 hours I now can not stop the phone calls to my new cell number from lenders who the credit bureaus have sold my info to. I went and opted out now but its too late. I has XXXX phone calls to my phone in XXXX hours. XXXX! My phone is still ringing all days from solicitors while I am trying to work. It is completely unacceptable they are allowed to sell my personal data without my consent. I should have had to OPT IN, not out. This has got to be stopped. I have no way to stop the harassment from marketers now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Earlier in XXXX Experian lowered my score XXXX points from XXXX to XXXX on the same day that an old credit card of my parents appeared on my report. I used to be an authorized user but that has not been the case for two or three years now. NOTHING else happened to change my credit score and it did not change the other two credit bureaus. I went through the Experian dispute process and they agreed and removed my parents old XXXX  XXXX card. But instead of giving me back the XXXX points that they took when they put the card on the account they actually took XXXX more points dropping me from XXXX to XXXX claiming that the average age of my accounts had dropped. Well thats only because they took off an account that shouldnt have been on there and they even give that reason on their opening page and will not respond to me. I have emailed multiple times and all I ever get is computerized letters with XXXX  excuses. I filed a complaint with the XXXX XXXX XXXX. I find it highly unfair that the credit bureaus have such influence on peoples lives especially when they obviously dont give a tinkers dam when something goes wrong. A simple look at my account and they would realize their mistake but I guess thats too much to ask. FYI the other two credit bureaus have me at XXXX and XXXX as I have perfect credit and XXXX balances on all my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to payoff my Seterus mortgage with my savings and requested an online payoff.payoff online. After several days waiting for the quote, I called Seterus. The representative stated that payoff quotes took 7 to 10 days. Not sure why it takes the company so long as I was able to calculate the payoff in 30 seconds ... .. Very upset that I am paying {$30.00} a day in interest while I wait for Seterus to provide a payoff. Makes me wonder if the company is intentionally delaying payoff quotes to earn few XXXX dollars in extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I purchased shirts and hats for my business. The company charged my credit card several times for different amounts. When I received the merchandise it was not what I had ordered. When I contacted the merchant they advised me to return the merchandise. When the merchandise was returned to the merchant they refused it and I had to pay to have it shipped back to me. When I contacted my credit card company to dispute the charges, they issued a provisional credit. I filled out all documents they requested and provided all the information I could to them. On XX/XX/2016 they reversed the provisional credit. I have had this particular credit card for several years and have a stellar payment history. They are not protecting their customer by reversing the credits.

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