BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
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:
this account is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

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 2020-10-16
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
Starting in XX/XX/XXXX on my American Express Corporate Credit Card I received a fee for {$54.00} which they called a Delinquency Charge on a prior balance. I continued using my employers software to submit my expense reports to pay off the balance i show to be owed to the account. In XX/XX/XXXX payments were received to settle the balance owed in the XXXX statement plus to cover most of the transactions that occurred during the billing cycle of XX/XX/XXXX. However, now i am charged a {$39.00} fee called " late fee for 30-day past due balance '' In XX/XX/XXXX my payments cover the expenses occurred, however another {$39.00} late fee is charged again to my account. I discontinued using my card in XX/XX/XXXX and have continued received a {$39.00} late fee every month until XX/XX/XXXX when my account has been turned over to collections. I have not received a statement from American Express nor any communication about these overdue balances. I have relied on my company system and I understand this is a corporate card, but as a consumer i am still personally responsible for this debt and would expect better communication as well an understanding of the continued {$39.00} late fee when no new events had occurred on the account for at least 6 months. My understanding of the credit card act is to protect consumers from abusive fees on fees. I believe i have been charged a {$39.00} late fee because i didn't pay the late fees. My transactions have all been paid and accounted for. I believed my account had a {$0.00} balance and had no indication from American Express otherwise until a letter was sent in XX/XX/XXXX. I expect to see all statements and communication that was sent to me to try to resolve the issue before it escalated to this point. Additionally, I expect all these late fees waived as payments had been received on the account during the billing cycles they were charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29
Company: 2288984 Ontario Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I spoke with a representative at Money Key advising them I'm revoking any and all ACH authorizations starting with the next payment date of XX/XX/2019. On XX/XX/2019, my account received an ACH debit from Money Key in the amount of the payment. I called and spoke to another representative who listened to the recorded call I previously made and said it sounded like I only wanted to revoke authorization for the payment on XX/XX/XXXX, I told her no that isn't correct I called to revoke any and all ACH authorizations. She then said she made sure to take care of that going forward and would speak to a Supervisor. The representative spoke with her supervisor and got approval for a refund and said that it would be refunded to my account on Tuesday, XX/XX/XXXX ( due to the holiday on Monday ) On Wednesday XX/XX/XXXX I received the refund to my account. Subsequently Money Key took out another payment via ACH on Friday, XX/XX/XXXX. I spoke to another representative on Saturday, XX/XX/XXXX who apologized and reassured me I would have the refund back to my account no later than Tuesday, XX/XX/XXXX and I still have yet to receive the refund. I spoke to someone again who said I should see the refund no later than Thursday, XX/XX/XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had no clue about this account until I checked my credit score, it was removed but some how has returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a several calls from heavy accent foreigners today XX/XX/2022 stating I had an bill with XXXX XXXX, They even provided me with the last four of my ssn. As I informed them I've never been to XXXX XXXX in my life. They argued me up and down that I've been to be XXXX. I wish someone would audit this company, I shouldn't be harassed at all about an account or bill I don't owe. I would like to know how this company received my information. This company is using my person information and I don't appreciate it,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: Account information incorrect

Complaint:
XX/XX/2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

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 2021-05-05
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived at XXXX XXXX apartments my XXXX ex husband used my information to get an apartment. I do not owe this debt I need to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
A car loan was taken with my information used without permission. An ex partner and I purchased cars on the same day - 1 purchased by them and I purchased my own. It appears that the dealership did something unauthorized and placed my name on paperwork for both vehicles and had me sign all paperwork presented as belonging to the vehicle I was buying that day. I left the room while they signed their paperwork. A loan is showing with us as co-owners, which should not be the case. I have opened a police report and investigation with the company but was told that since we had insurance together that it couldnt be inaccurate. The vehicle was never owned by me and I should never have been listed on the loan. I became aware of the loan having my information when a credit alert for a late payment was sent to me. Throughout the investigation that the company did for my complaint, I requested a copy of loan paperwork 3 separate times but was never provided any of the paperwork. I have been working for nearly 2 years to resolve this issue, since I was made aware of it, with no luck and no fair follow up. The report is inaccurate in that my information should never have been attached to it and no one is helping to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I deposited {$300.00} on my XXXX Credit Card with Barclay Bank on XXXX XXXX, the payment was received into my account on XX/XX/19 but a hold was placed on the funds. I am not able to use the funds that I need for purchases, when I called Barkley bank they said they are holding the funds until XXXX XXXX because they do not know if my Bank ( XXXX ) may rescind on the funds? I told them the funds have already been taken out of my account but they still insisted that they will keep a hold on my funds until XXXX XXXX - I would like my funds released so I can use at will, I have never had funds held by a credit card company before and this does not make any sense whatsoever.

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 2020-07-14
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for XXXX XXXX to help fund my daughter 's education. I applied with Sallie Mae and they sent me denial letter stating I was denied due to student loan delinquency of 90 days or greater. I reviewed my credit report with XXXX and did not find any student loans delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, Experian, and XXXX  credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX , Experian , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

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 2020-11-24
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I am filing a complaint against Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

The bank is the issuer of my Apple Credit Master Card ending in XXXX. The credit limit set was {$3000.00} I have been using the card for purchases and services charges and in my first month I have Charged {$5300.00} and made electronic payments in the amount of {$4700.00}, so currently I should have a balance of {$630.00} and available credit to spend of {$2300.00} XX/XX/XXXX : {$4.00} Posted Immediately XX/XX/XXXX {$360.00} Posted Immediately XX/XX/XXXX {$1600.00} Posted ( After I called in Customer Service 2nd day ) XX/XX/XXXX {$2500.00} Did not Post The bank posted my first two payments immediately. Third payment did not post until after I called in the second day and the representative informed me that they usually would hold the payment for 3 days for my protection, in case I made it in error! 

The last payment did not post, and when I called in I was told it will not post until XX/XX/XXXX! I asked why and was told that it usually takes 7 to 12 days to " process payment!!, When I told them that the previous customer service representative had told me 3 days and now you are telling me 7 to 12 days, and if that is in the credit card agreement, the supervisor told me YES it is and she will send me a copy of the agreement. 

Upon reviewing the Card Terms and Conditions agreement ( copy attached ), under When We Credit Your Payment section on Page 10/19 ( copy attached ), The bank terms state that they will credit my account the next day. In the section below, the bank reserves the right to withhold credit availability of payments for a period of time, which is not qualified or quantified. 

I can understand if the bank is having a problem with the customer and is looking to reevaluate the credit availability, but when a customer is making payments in full before time, with no credit or payment problems, and when the payment funds have been deducted from my account, the payment should post immediately. We can accept 1 day or -on exception, 2 days processing, but 12 days to process payment is stretching it. This is unfair and violates the terms of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted AmerAssist A/R Solutions to delete a collection off of my credit report and was provided with a resolution to make a payment to delete off my report. After my payment, the collection was not deleted. 

I contact their office and left a VM that was never returned. I later spoke to a representative who transferred me to 3 different people who were unable to listen or resolve any issues. The first person listened but the issue was outside of her control. The second person was extremely rude without taking the time to even listen she already was screaming for no apparent reason. The last representative transferred me to a VM line to get rid of my call. They offered to abide by their initial agreement but only if I made an additional payment which is completely unethical. I left a VM on the line that I was transferred to which again has resulted in no resolution. 

AmerAssist A/R Solutions has deceived their client by providing misinformation and then back peddling on their promises. I am requesting a letter/email confirming this collection is deleted from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was skimmed at a atm so my information was stolen. I disputed the charge and got the money credited back to account. Bank of america didnt close the card i reported stolen so my money was taken again. Now they have made my account negative and is taking my unemployment im getting and putting it towards negative balance. When i call the claims department i never get through ive waited on my phone for 3 hours and never get to speak to anyone.

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 2020-07-14
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 
1. The original creditor was XXXX and was not a Real State Mortgage.

2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 
3. It's a time-barried debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Atlanticus Services Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a r

ight to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Under FDCPA Section 807 ( 8 ) : XXXX XXXXXXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage has failed to report this disputed debt to the credit bureaus. In addition, XXXX XXXX XXXX  ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage did not validate debt yet continue to pursue collection activity by filing a lawsuit against me which is a violation under FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

XXXX is now communicating selling my loan to another servicer without furnishing documents of their agreement with GreenPoint Mortgage collection dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
On XX/XX/2018 I made my mortgage payment ( I enclose a copy of the picture taken to the screen of the computer that shows the payment was made ). 
PennyMac did not accepted the payment and the money was not taken from the paying istitution. 
I called to investigate what was the problem. The lender told me that my bank had denied the payment, WRONG! ( I enclose copy of the bank statement that shows we had enogh funds ). 
I called my lender to request them to remove the report of delayed payment. They have not done it, and this is affecting my financial and personal matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief