BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Upon selecting the option of making my XX/XX/XXXX payment due of {$3400.00} online with a statement balance of {$3400.00}. I received a receipt from American Express for {$3000.00} payment. From this point i was not able to login back into my account online, and attempts to call to investigate why i received a receipt for a different amount were unsuccessful because i kept getting hung up on while being transferred. I then receive next payment due reminder in the amount of {$1600.00} due XX/XX/XXXX, which left me under the impression that it was just a small error and my last payment was taken in full. I also received two merchant credits to my account in the amount of {$33.00} & {$250.00}. Through the following week I attempt to make my XX/XX/XXXX payment online unsuccessfully because American Express 's website would not allow me to login. Given that i was out of the country this was my only option to make payment. Upon arriving back in the states on XX/XX/XXXX i call Amex to make payment, and was told i had a 31 days past due. I did not receive any notice of any past due amount owed. This mistake has been reported on my credit and has taken my score down over 50 points! I have never been late on over the 5 years i have been with Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: VW Credit
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: Account information incorrect

Complaint:
I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, 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:
I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX XXXX which is the bank behind XXXX XXXX Credit Card as well as Paypal. 
My understanding is that any interest rate above 24.00 % is considered " userous ''  and therefore illegal. During this past month and within the previous 2 months out of a payment of {$79.00} they took {$50.00} in interest Before that I had a oayment that was higher and they took like {$79.00} in interest just after I had verified that I had money to the good on my account. I ended up in a conference call with XXXX, XXXX XXXX and myself to prove to them that I had NOT selected any promotion on the card. In fact there was n't even a selection for it on XXXX 's website. When I asked about the interest rate on the card the first time they told me 25.00 percent ... this month it was 26.99 percent. 
They do n't get to turn a credit card into a legalized " slush fund '' which appears what is happening here. Please look into this as well as forward this information on to the SEC, Better Business Bureau and IRS. I believe they are using illegal banking practices here or Mob type tactics and need to be not only investigated but held accountable as well. I believe what is going on here is that they automatically put everyone who makes a purchase on a 6 month financing or other promotion even though they do not select it as I NEVER had or have. When they said I had they outright blatently lied about it. That is how we ended up on a conference call to prove it.

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 2018-03-25
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
Card opened without my permission or knowledge in my name. Thousands charged on card and even fraudulently paid by my XXXX business account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had been working on XXXX through XXXX University. In the summer of XXXX I stopped my courses to take a break from classes and because I worked full time. My original lender had been XXXX XXXX, then it was XXXX. I was notified by letters several times in XXXX that my loans were passed due. I did defer my loans in XXXX of XXXX because I was intending to complete my XXXX. XXXX turned the loans over to there collection company in XXXX even though I had deferred them. Having a difficult time with forbarance and deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE Group shows on all three CRA 's I do not have any knowledge of this company. shows original creditor as XXXX XXXX XXXX and a date of XX/XX/XXXX While I have had service with XXXX & XXXX in the past. I would estimate the last time to be XX/XX/XXXXHave been living in a motorhome last 5-6 years with propane use. 
CBE Group on the California Secratary of States web site shows their status as suspended. Should not be conducting business in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a debt validation to Waypoint Resource Group which they received on XX/XX/XXXX. In response the collection agency provided a account number with a bill/account history. I filed a complaint through the CFPB on XX/XX/XXXX advising that collection agency did not provide the documentation that was asked for which was to validate the alleged debt in questioned. The collection agency responded to complaint advising that their records are correct and accurate. I am filing another complaint because I requested for validation of the debt not verification. Providing a bill/invoice/statement is not a form of validation of the alleged debt, it is a form of verification which is not what i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My wife has opened a capital one credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my XXXX credit report from my wifes card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, 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 cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to 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. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$630.00} XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In short I have this issue with Chrysler for over 5 year. I purchased a vehicle in my early 20s,  a used XXXX. Having buyers remorse I returned the vehicle to the lot and was told that it would not effect my account or credit because it was not pass the first initial payment. Taking their word for it I delivered the car in great condition and gave them the keys. Month later and so on I am getting charged for the vehicle as if I still own the vehicle. However when I called and asked about the situation they were nasty about it and did not stand by their word and continued to charge me even after being sold ( the vehicle ). They refuse to take it off my report and I am not settling for anything more than the time I physically owned the vehicle. Less than a month which should be {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report I did not make these charges mentioned with the list. I achieve all the qualifications under 15 USC 1681c-2 for Blocked and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am asked to pay {$520.00} by I C system. I was with this XXXX who promised to work on my XXXX XXXX and also XXXX XXXX XXXX XXXX process. I paid all the amount till the services were provided. I donot owe any more money as my XXXX XXXX process was not done. I was wrongfully sent to collections and this is causing a lot of problems with my scores.

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 2018-03-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It all started when moved to another town. We forgot to put in a forwarding address and when Chase Bank sent out a letter asking to confirm we have insurance on a house it didn't forward to our address. Evidently Case put their insurance on our house which included the property taxes that I pay at the end of every year. I don't know why they did that with my taxes but they took it upon themselves to add that to my payment also.. That put my house payment {$400.00} over what I would be paying. I paid it the first month and did all the appropriate things I should. I had my XXXX  rep. send them prof of my insurance, this after a full day on the phone getting the right person and giving them all the info they needed to insure everything would be straightened out. The next month Chase did the same thing. I sent them what should be my correct payment and they said because I didn't send them the correct amount they took it out of my escrow. This time when I talked to them they said XXXX  said they cancelled my insurance. Now I know this wasn't true. I called my rep. and he was appalled. This time I gave him the Chase persons fax number they gave me. And then I went to my Chase bank and again complained over what they were doing. They assured me that they will prorate any money they have taken out. I know Chase is famous for not giving back money and instead will just apply it to the principal and interest.

Then this month came and they did it again. I have talked to many people trying to straighten this out and they just keep letting it happen. It's like they are giving me the royal run around. I feel like a nobody. They are treating me like Trump treated DACA. They acted like they were going to help me, then they just went on doing what they always do. Steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank told me because I was " tricked '' into sending money on my own through bank of America XXXX then it wasn't fraud I was scammed and it's not likely that I will get my.money back. But they first told me they will freeze XXXX XXXX bank of anerica account that he accepted the money into but then I found out they never immediately did anything and never frozed his account or tried to retrieve my money back. Basically I fell for the trick now say bye bye to my money

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 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an issue with personal information, Former or current employers, address & current employers not been up dated. Remove the correct information on my report. It has been now since XX/XX/XXXX and still information not updated or correct have sent in check stubs, XXXX   forms showing employment with the same company for over 2 years in half and as of this date not corrected and updated. this makes no sense on something this simple. I have also experience added or made up address and information not corrected on my file since XX/XX/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