BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amex offered me a Blue card after XXXX replaced Amex with VISA.  I said yes.  Amex sent me 3 different credit cards (from XXXX XXXX, FL I think) that had fraudulent charges in XXXX  Florida for video games and kids stuff.  I am XXXX years old.  I live in XXXX, FL.  Finally, I told Amex to just cancel all my cards with them.  The hold times and transfers between departments and an inability to follow through on the part of Amex has led to many wasted hours on the telephone over this past year.  Finally, Amex did agree that the charges were fraudulent.  It took Amex many months to correct my bill.  By the time they cleared my account with the fraud department the account had accumulated late fees and interest charges.  I believe the original fraud event was XX/XX/2018 for $XXXX.  So while this has been cleared I cannot get anyone at Amex to understand that the remaining bill is interest and late fees.... on charges that were never mine to begin with.  Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX  ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXX XXXX  XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CREDIT ACCEPTANCE CORPORATION
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 been dealing with XXXX  for more then 6 months with the same problem to no resolution at all..The problem is with credit acceptance able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from credit acceptance receive my title in the mail,XX/XX/XXXX i purchase another vehicle from credit acceptance for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX  and XXXX I didnt want the vehicle and i allowed discount title to keep it..XX/XX/XXXX credit acceptance took me to court for balance of XXXX ..I had XXXX XXXX XXXX XXXX  to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im XXXX  credit acceptance wont see a penny..XX/XX/XXXX I filed suit against credit acceptance because im trying to purchase my first home and that judgement is damaging my chance to get approved, XXXX isnt doing a complete job credit acceptance keep reporting back to XXXX that the account belong to me and the information is accurate, which it not with credit acceptance reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both credit acceptance and XXXX received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX credit acceptance reported 180 days late ... XXXX XXXX denied my loan approval because of credit acceptance and XXXX not doing their job ... I have filed over 17 disputes about this matter .XXXX employee keep telling me to get in touch with credit acceptance, I keep explaining to XXXX  that we're in Litigation in the XXXX XXXX  of Alabama XXXX XXXX -Credit Acceptance and by me been XXXX  XXXX and XXXX no one want to help to make this right ! Thank you for your time and effort

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that LOANCARE HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX  XXXX.. Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX will not call XXXX XXXX  because Loan care as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue Loancare sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until Loancare tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except 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 2020-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a 12 year customer of Wells Fargo, last year I was forced to refinance my home ( in the words of my loan officer, Wells Fargo closed on my new home originally in XXXX with a Home Improvement loan that had a large balloon payment and was no longer a legal product ). Since I am XXXX years old I have been concerned about the future of my family and repayment of such a loan. In XX/XX/XXXX I was convinced by Wells Fargo to refinance, with a catch, that I would only need an escrow account for one year, so I was told. Up until XX/XX/XXXX I always paid my own taxes and insurance, never was late, never had an issue. In the past 2 years Wells Fargo has paid the wrong Home Owners insurance policy even though I tried to communicate that I had changed insurance carriers. When I questioned about dropping my escrow, the company declined, instead started sending me advertising in the mail about the importance of an escrow, and sending threatening letters as to how high they were going to raise my escrow in order to maintain one full year of escrow payments in advance in my account. When I asked to drop the escrow as I was promised, as it was written to me the company pushed back. I had to take Wells Fargo to the XXXX  just to get funds back after my escrow closing, the closing was not done properly, that is a very long story and can be told another day. I am at a point where I just want to pay my own taxes as I have for over a decade, yet Wells Fargo is doing everything to be non committal, CYA letters from the President, wait me out to see if I will go away, but I will not. I will take this complaint to the Attorney General if I am allowed. This complain will ultimately reveal alot of Well 's Fargo business practices that continue to come to light for me. Thank you for giving me a place to be able to voice my concerns.

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 2019-08-19
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Many times I have tried lowering my payments and the only way to do so is getting on a forbearance payment plan. The last one I was on ended abruptly with no calls or emails informing me of the changes to my account in XX/XX/XXXX. I started a new ‘payment plan’ (forbearance) that would lower my payments to $XXXX a month, but the very first auto debit they took $XXXX! I called and the woman on the phone said “I have no idea why they took so much” and never found out why. The best she could do for me was putting in a “refund request” for the difference with no promise of refund, and no proposed timeline. Now I’m out all of that money and unable to pay other bills NOT because of my inability to budget but because of a computer error in Sallie Mae’s system that allowed them to just TAKE my money. I have since cancelled auto debit and will now only pay them the agreed upon amount on the agreed upon date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Under FCRA 611 ( 1 ) ( A ) these companies have failed to respond to my debt validation dispute within 30 days. In addition, Consumer Portfolio Services continue to post on all 3 of my credit reports inaccurate information. Consumer Portfolio Services no longer own this debt however, continue to negatively post derogatory unsubstantiated debt without adhering to the North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure that explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed a copy of my credit report. I am concerned because there was 8 inquiries by TransUnion that i do NOT recall authorizing.XXXX- Inquiry from XX/XX/XXXXXXXX Card- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX/XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.

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 2017-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
this company made a inquiry without my authorization on XXXX XXXX,2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mande several payment to the principal as the website states in order to bring it down to 78 % loan to value. I have sent emails looking for advice on the amount o payment I need o make to the principal to remove PMI without success

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 2019-02-20
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Being charged by same company twice. Original company XXXX XXXX XXXX. 
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

This company also violated UDAP and FCRA when reporting a recent delinquency due to obstacles when attempted to resolve this debt and overcharging on this debt.

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 XXXX dollars was directly deposited into a Wells Fargo Bank. The bank has no knowledge of this information, although I have an account number and a routing number. I also have an ACH debit coming out of my check of XXXX dollars that is going to there bank that they have not explained. Need help in resolving these issues.

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 2022-10-05
Company: Rent Recovery Solutions
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 I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I discussed having my name taken off my grandaughter 's student loan. The full amount of her two loans was {$21000.00}. I was told that if I paid {$5400.00}, my name would be removed from the loans. This was the latest offer as of XX/XX/XXXX. 
I then asked if that would leave the balance of the loans at the difference of the two amounts and was told : no, the full amount of {$21000.00} would still be owed by my grandaughter. She would be responsible for the full amount even though I had paid the {$5400.00}. 
There is something definitely wrong here. I had been having {$110.00} per month automatically deducted from my checking account for years, but have put a stop payment to Navient for that amount which is effective until XX/XX/XXXX. 
The above offer was only available until XX/XX/XXXX. 
I may be wrong but I think this is fraud. If I made the smaller payment, only the balance of the loan should be due, not the full amount. 
They also continue to call via automated phone calls after XXXX XXXX very frequently. 
I have been dealing with them for some time now and find them arrogant, rude and totally annoying. You are shifted to several different people in the course of a conversation with them. It is very upsetting and aggravating. I do not like this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collector called me and left me a detailed voicemail trying to get ahold of my brother. The detailed voice message discussed a debt he had with XXXX XXXX and to call them back immediately to set up a payment plan for the owed debt. It is my understanding this practice is illegal and a debt collector may not contact family members to discuss a debt or give details about it only to locate my family member and call once. In this case, the debt collector had divulged the details of my brothers debt and who it was owed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions 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:
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX systems account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, 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 non-monetary relief
Consumer complaint received 2020-07-09
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company had placed a medical debt that I do not know of and do not own/owe. I had filed a dispute with the various credit bureaus, but the only information that was updated was a balance. There was no accounts removed. On top of that, the account has been placed on my credit report with two different reporting balances, instead of one. I will threaten legal action of these false debts aren't removed.

Company response to consumer: Closed with non-monetary relief