BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in late XXXX of 2020, my boyfriend and I made plans to move into an apartment. We were all set to move in when COVID-19 hit our area XX/XX/2020. By that time, jobs were closing down, and I soon found myself unemployed, as my job shut down, too. I wasn't making any income to even attempt paying off this collection, and am still making no income from the effects of this pandemic. I'm still struggling to find any means of pay. In addition, my boyfriend lost a lot of his work hours, so we were making little to nothing. Even if we did move in, we would not have been able to pay the monthly rent. We still can not afford the monthly rent, let alone this debt collection that, for some reason, was charged on both of our accounts. The amount we were charged with is the total yearly payment on our apartment, times two. Blakely Witt & Associates is charging both of us {$18000.00}, which isn't applicable in the slightest since we aren't making anywhere near that much money, and if we were going to live together in the same apartment, it baffles me that we are both being charged this much for it. We'd be having to fork out a total of {$36000.00}. We don't make that kind of money at all! I attempted to file a dispute through XXXX  on XX/XX/2020 for these sudden charges, but as of today, both companies have reviewed my dispute and stated that my debt collection remains in my account, and wasn't removed. This isn't fair for us, because my boyfriend 's mother was planning to move into an apartment in the same complex, yet she was able to dispute her debt collection that charged her around the same amount from the same company. She opted out of moving in because of the coronavirus, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern In XXXX i moved to XXXX from US.  Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the Roch and Murtha company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Account information incorrect

Complaint:
I turned in a XXXX XXXX XXXX early. My mileage limit was XXXX. The car had approximately XXXX miles at the time of turn in. I had completed all, repeat all of my monthly payments for the lease. My lease matured in XX/XX/2020 and I did not lease or purchase another XXXX. XXXX XXXX XXXX ( XXXX ) issued a fee of {$900.00} for excess wear and tear and a lease maturity turn in tax and other items ( items that they admittedly will waive if you purchase or lease another XXXX ).  None of the {$900.00} was related to monthly payments. I received a notification that my credit score had dropped 87 points because XXXX reported a 90 day past due status on a payment. My position is that XXXX incorrectly reported the {$900.00} as a late payment. It is not a payment. It is a fee that was not negotiated by either party. I am not sure if it was even in the lease contract but even if it was it has nothing to do with a monthly payment. I explained to XXXX also that COVID-19 economic hardships had hit my family hard and that I requested that they reclassify their reporting. XXXX refused and stated that I had to make a payment or the account will continue to show as past due and my credit score would continue to take hits. I had to make an initial payment to stop the bleeding and to bring the account up to date. 

The late payment report should have not been reported as a late payment. It should have been reported as an unpaid fee. During my telephone call with XXXX on XX/XX/2020, I tried to work the situation out explaining that they reported incorrectly. It wasn't a late payment is was a non-negotiated fee that XXXX tacked on because I didn't lease or purchase another XXXX. XXXX refused to reclassify their reporting, and now I have an 87point credit score decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
1 ) I have a Direct Plus Federal student loan, but am told by my servicer, Nelnet, that it does not qualify for the interest forgiveness. I need to understand why and could not get a good answer from Nelnet, only that some older loans do not qualify for interest forgiveness under the Cares Act. 
2 ) I took the forbearance option for four months and now the loan amount has increase by {$640.00} in accumulated interest. 
3 ) Nelnet has increased my monthly payment from {$330.00} a month to {$420.00} a month starting XX/XX/2020. I am in a graduated loan payment program but this increase in payment is not due to that, and I need to understand why. 
4 ) The loan has a fixed rate of 8.5 % but if you look at the monthly interest amounts they can vary by more than {$20.00} a month and I don't understand why. 
I have discussed all of these questions with a Nelnet rep, and although she was very nice, I did not get answers to these quesitons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent 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 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed dispute with portfolio recovery associates onXX/XX/2020.requested verification under the FDCPA.the following verification requested were as follows : 1.proof that I either owned or were assigned this debt from the creditors. 
2.proof that you have the right to collect this debt in my state. 
3.proof that your company carries a bond. 
4.proof on how your company assessed the outstanding debt.

5.payment history from the original creditor. 
6.name and address from the original creditor. 
7.copy of the contract bearing my authentic signature. 
35 days has past and I have not received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent a cease and desist letter to XXXX XXXX XXXX on XX/XX/2020 regarding multiple accounts but they continue to call even after receiving the cease and desist letter which was returned to me signed by XXXX XXXX and dated XX/XX/2020. The calls initially stopped but then started again with one being received on Monday, XX/XX/2020, at XXXX XXXX and then on Tuesday, XX/XX/2020 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear customer service representative, I redeemed my membership reward points on amextrave.com on XX/XX/2021 and tried to pay with points when I booked a ticket. However, when I placed the order, I received the confirmation email which stated that Your booking has been charged to your credit card, however, we were unable to process your Pay With Points request due to a system issue. Then I contacted amex customer service to redeem the points for that transaction. As a benefit of the amex business platinum account, I should receive a 35 % points back for that transaction. However, amex denied the 35 % points back without giving any specific reason. 
I chatted online with amex, called the membership rewards team, called the amex travel team for the issue, no one could help me to solve the issue. Furthermore, the membership rewards teams freeze my membership account without any notice. It is ridiculous and disappointing. 

Business platinum account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Radius Global Solutions regarding a medical collections account from XXXX XXXX  XXXX on XX/XX/2020. There was an issue with insurance billing, and I was able to get XXXX to correct the issue and remove the balance on XX/XX/2020 and close out the account ( XXXX ). XXXX even sent me an email as proof that the bill was adjusted. XXXX originally emailed that I had to contact the collection agency to have them remove the debt from my credit reports. I contacted Radius Global, XX/XX/2020 and spoke with supervisor XXXX who told me that either XXXX would have to call, or I could get something faxed to XXXX to get account updated. I again contacted XXXX, XX/XX/2020 and the rep informed me that there was a 2nd account for me and as I waited, he reached out to his manager and she authorized him to adjust the account as well. The rep then told me that he was sending something over to Radius Global to get debt removed and he also emailed me something showing my account was updated to reflect {$0.00}. I called Radius back XX/XX/2020 and was passed around until I got XXXX, the supervisor, again. I explained that I am trying to get a mortgage loan and needed this removed immediately. I told him that the previous rep with Radius verified that the account had been recalled. XXXX verified that it was recalled but he could not get it removed from my credit report. I asked him if it made since that they would continue to report a collection that was XXXX out because it was a billing error. XXXX stated that he did not want to misinform me and have me saying that he told me something that was wrong. He stated that they dont normally receive calls requesting this, which I find hard to believe. But he said he would research and that I could call him back Monday and he might have some info. He said he would reach out to the department that does recalls. I do not believe XXXX was being honest at all. This seems to be an illegal practice for them to continue to report something that has been recalled by the original company. The account was the result of incorrect billing on XXXX part. I really need this resolved and the information removed immediately as I am trying to get a mortgage loan approved and this is holding up process.

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 2018-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital OneCredit card. I pay statement amount in full every month with an agent over the phone as a deduction from my checking account.. My statement amount this month was {$690.00}. Capital One put it through as a payment on the website and deducted {$1300.00}. I have been on the phone with Capital One and XXXX XXXX  XXXX ( my bank ) for over one hour. Nothing was resolved. XXXX XXXX XXXXXXXX proposed a stop payment but there would have been a {$30.00} fee which I feel Capital One should pay. They did not offer payment of this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by Navient XX/XX/XXXX in regards to my student loans and setting up payment. I informed the lady at the time tat my mother had just went into a XXXX  and I was responsibe for her bill and my current bills, the $ 200+ dollars payment I could not afford. I asked her if there were any options on adjusting the amount as I had did with my goverenment loans. She said " No, you have to pay the $ 200+ amount, that is all that we can offer you ''. I informed her I could not do it and she screamed " well we will put this oh your credit report '' and hung up. At the end of XX/XX/XXXX, I started to monitor my credit report by signing up for XXXX XXXX and there was a neagtive reporting that I had not made payments to Navient in almost 2 years. I immediately called and the customer service agent could not verify my account and stated that my Social security and Date of birth did not match what they had in the system. I then inquired on how it could be reporting as negative/no payments when I have NOT received any written correspondence on what payements are required or any help with a payment plan, also you can not even give me information in regards to my account because you state the info does not match. I called back again XX/XX/XXXX same thing, they did not have the correct info in their system, therefore they can not direct or help me in anyway. I am is desperate need to remove these damaging reportings and get the correct info to try and start a repayment. Navient has been no help and everytime I call I get pushed to several different departments with the same spill given to me about my info not matching what's in their sysytem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect. 
2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

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 2018-04-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took this loan in XX/XX/XXXX with a cosigner and under the belief that I would have the opportunity to consolidate the loans after I graduated a year after. This option was not available to me so my interest rate of 12 percent and 8 percent at a variable rate fluctuated tremendously. My  original XXXX XXXX dollar loan is not over 50 thousand dollars. 

With my cosigner I was also limited in my options. I tried multiple times to get my cosigner removed under the belief that as long as I made 12 consecutive payments and that my credit score was good I could get them removed. I was denied and never told why even though my credit score is high and my income has increased since XX/XX/XXXX. I was never told just how much interest would accumulate over these years and my repayment options were always either {$500.00} or more and that was not something I could afford. 

I was also misled in the belief that I could defer my loans as long as I went to school. I was told that it was only for temporary and when I asked for proof I was shown a promissory note that did not have this information at all. This was something that seems to have been tacked on after the fact. 

I am struggling to pay classes for my new degree and am overwhelmed by the high interest and the amount of interest that has been added on top of my comparatively low original principal of {$22000.00}. I am now trying to refinance which was an option I wasn't told I could take as I always tried working with Navient ( then called Sallie Mae ) to see if they had repayment programs that fit my budget.

Company response to consumer: Closed with explanation