BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. 

During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. 

In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. 

At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not  receive a response to that inqury either. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS CONTACTED BY THIS COMPANY XXXX XXXX TO PERFORM A SERVICE FOR ME AND I PAID THEM XXXX ON XX/XX/2010 AND NEVER HEARD FROM THEM SINCE. I WOULD LIKE TO GET MY MONEY BACK. I CALLED CHASE VISA CREDIT CARD TO REPORT THIS FRAUD TO THEM AND THEY DID NOTHING. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
capital one bank pulled a fraud inquiry on my XXXX report on XX/XX/2018 that was not authorized by me due to a fraud online credit card application and needs to be removed from my report asap my SSN XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: KINGS CREDIT SERVICES
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed money from cashnetUSA on XX/XX/XXXX the amount of {$400.00} and another {$600.00} on XX/XX/XXXX. On or about first week of XXXX I paid the amount of {$100.00}, then after 2 weeks, I paid {$200.00}, then after a week I paid XXXX, then paid another {$300.00} sometime second week of XXXX thinking it will reduce my principal. I was informed that my balance is still {$820.00} after paying {$670.00} in the span of 2 weeks. Exorbitant fees and charges I was not informed let alone agreed on the charges and fees which is incredibly usurious. The company is a corporate vulture preying on vulnerable people like me poor and ignorant. The government should protect me/us against this usurious company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I pre-ordered a bike from XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and pain in full {$870.00} and was told the bike would be ordered and shipped to my house within a week. Fast forward and XXXX hits hard and through many emails I was told they did not have the bike nor did they have an estimated time of arrival or even a tracking number. I contacted them many times to get updates and was never given any information. Come XXXX XXXX i received an email from XXXX stating they were cancelling my order and I would not be getting my bike ... that I already paid in full for. They advised me to go through my bank XXXX Chime XXXX to have them do a charge back so I did that same day. Chime told me to fill out a " Customer Statement of Disputed Transaction '' form and I did, faxed and mail it to them. They responded saying it would take XXXX days to come up with a decision. 90 days later early XXXX I received an email stating they were not giving me my refund. I don't understand how these company 's can not refund me my money. I paid for something and never got my bike. This is stealing and fraud. I just want my money back. I have all emails saved as evidence. Chime or XXXX needs to refund me my money. I have been very patient and understanding given the current situation with COVID and now this is getting out of hand please I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: SD
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 have never had an account with the XXXX XXXX XXXX. There have been numerous phone calls contacting them and they have confirmed that no such account ( s ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX XXXX, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question  should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

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 2020-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX incorrectly report a balance in my Report. I have asked XXXX, XXXX  and Experian to investigate. After an investigation XXXX  and XXXX  removed it but Experian left it. I called Experian and requested that they validate the debt I never acknowledge that I owe this company as they are trying to bill me 2 month of rent for not renewing my contract with them. They were aware I was not going to remove my contract and I paid them before I move out. I filed a complaint against XXXX XXXX with CFPB, they are not answering as they are trying to force me to pay XXXX. I am filing a complaint against Experian as they are not doing their due dilligence to validate the debt. I want to know how they confirm that I owe this collector XXXX. When I did not have a contract with them and I never agree that I owe them and I paid them at the end of the lease.

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 2019-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer {$15000.00} to XXXX XXXX XXXX from Bank of America in Florida. I have been with Bank of America for 15 years. I opened an account with XXXX XXXX XXXX   XXXX XXXX. On XXXX XXXX XXXX I transferred the money on line. When the transfer asked me what bank I wanted the money to go to I typed in XXXX  XXXX  XXXX. It would not take XXXX XXXX XXXX  and instead automatically put in XXXX with me as recepient.

Every time I tried to put in XXXX XXXX XXXX it kept reinstating XXXX. I finally left it and continue transfer. I thought at that time that that it just stood for a federal bank and when you made a transfer on line it did not specify the name. I continued with the transfer and someone assisted me on line with rest of transfer. I put in the account number of my XXXX   XXXX account and also the routing number of the account. I waited 3 days for XXXX XXXX   to get the money. It never arrived. When I checked the status of the transfer at Bank of America on my account on line it showed the money was transferred to XXXX with a completely different routing number and account number. So someone at XXXX has my money in their account. The routing number I put down for transfer to XXXX was XXXX. The routing number to XXXX  is XXXX. Not even close. It was changed. Also account number changed.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: OK
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:
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.

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 2018-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX bank name : XXXX XXXX XXXX pulled my credit report which is showing a medical collection item listed for the amount of {$660.00} which does not belong to me. Tried to contact the medical provider no such address or phone # listed.

XXXX the merchant account # XXXX   which comes up as a fraud company.

Went on Equifax.com to dispute this entry. Turns out this medical collection item doesn't appear on my credit report so that I can submit a dispute.

XX/XX/XXXX Contacted Equifax at XXXX and spoke with a representative about disputing this medical collection item. He responded were not showing that you have any outstanding medical collections on your credit report. He provided me a confirmation # XXXX.

My question is how does the XXXX XXXX XXXX pull this credit report ( Equifax ) showing this medical collection and Equifax doesn't show this medical collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Brock & Scott, PLLC
State: GA
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 have been doing my own investigation into XXXX XXXX and their practices. I have found that I am being targeted by them and want compensation in the amount of XXXX per year that I been targeted. I sent in an identity theft packet to XXXX XXXX  in XX/XX/XXXX. XXXX did not respond to identity theft and turned my account over to Brock and Scott. Brock and Scott then obtained a garnishment against me and continued to go from county to county trying to garnish my wages. I recently filed a complaint against Brock and Scott and NOW XXXX wants to send me a packet about the identity theft. I have already furnished this information to them and this prompted me to start an investigation of my own. I pulled my credit reports to see that not only has Brock and Scott been pulling my credit file sometimes twice in one day so has XXXX. On XX/XX/XXXX Brock and Scott pulled my credit twice and on XX/XX/XXXX XXXX pulled my credit. This is on a XXXX report dated XX/XX/XXXX. Why if Brock and Scott are representing XXXX are they both pulling my credit? I want compensation for the 5 years that this has negatively affected my credit and for the embarrassment that has been caused because of this garnishment. I also want letters from both companies that this issue is settled and that no further irritation will be caused to me. I am a victim of Identity theft and should not be going through this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.

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 monetary relief
Consumer complaint received 2020-12-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, i made a payment of XXXX to Nationstar bank, Dba Mr. cooper to cover 2 months of mortgage payments including XXXX and XXXX payments, when the bank called me i told them i will process those payments and said its ok, my due date is on the XX/XX/XXXX of each month so the payment on XX/XX/XXXX was still before 30 days after due date, however Nationstar bank reported me 30 day late on XX/XX/2020 to the credit bureaus, i am attaching proof of my bank statement where you can see the payments i made, please check it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not disputing the XXXX XXXX # XXXX account please remove the verbiage listed " disputing ''

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 2018-06-09
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to have this issue remedied previously but XXXX XXXX XXXX   still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.

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 2018-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I Have Disputed Bank Of America To send me a payment History. I have also contacted XXXX  Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted XXXX they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and XXXX say it is accurate.

Thanks 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 2019-01-07
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

Company response to consumer: Closed with explanation