BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. 
On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID.

On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).

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 2021-08-17
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: Account information incorrect

Complaint:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

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 2018-10-15
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchases totaling {$27.00} were made XX/XX/XXXX and XX/XX/2018 using Lowe's/XXXX XXXX Credit Card . Electronic delivery of statement was missed and {$25.00} payment due on XX/XX/XXXX was made two weeks later on XX/XX/XXXX. The remainder of the balance for purchases plus interest ( {$3.00} ) was made XX/XX/XXXX when the next statement arrived. Interest on {$25.00} for two weeks calculated at the statement rate of 26.99 % annual is approx. {$.00}. ( XXXX XXXX  ).  Lowes assessed a late fee of {$25.00} on the original purchase amount of {$25.00} ( purchase amount was paid two weeks late ). That is equivalent to approx. 200 % per month or 2400 % per annum. When the original fee of {$25.00} was not paid, Lowe's/XXXX XXXX, on subsequent statements continued to assess and attempted to collect additional fees and interest, compounding monthly. The current balance of fees and interest on XXXX amount purchase principle is {$180.00}. For the calculation on a zero principle to be any amount more than XXXX, the interest rate required would be more than infinite. 
I hereby report Lowe's/XXXX XXXX  for the crime of usury.

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 2018-06-08
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing? IT'S IMPOSSIBLE THAT THIS WAS INVESTIGATED - IT'S BEEN ALMOST 6 MONTHS AND TRANSUNION OR XXXX HAS IGNORED MY DISPUTE AND NEVER ANSWERED BACK. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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 explanation
Consumer complaint received 2019-07-14
Company: LendingPoint Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a personal loan for {$24000.00} with lending point in XX/XX/XXXX. Since then Ive made over {$7200.00} in payments however, my balance remaining is over {$22000.00}. To date, my amortization schedule has been unavailable to me online. In addition, I was never sent a hard copy by mail or electronic copy by email. Online it states it is coming soon for the past year so I called on XX/XX/XXXX and requested to speak to a manager. I informed her of my concerns and asked for my amortization schedule and was told one had to be put together and it would take some time. The manager then stated it would be best if I contact XXXX XXXX, my account manager, by email to request this info. Im not understanding why any manager cant assist me with my schedule or why my amortization schedule doesnt exist already when my loan has been in place for a year now. I also want to make a large one time payment to cut my balance remaining in half but, am afraid that my payment will not go towards principal. When I asked the manager on XX/XX/XXXX what the practice is I was informed that any additional payments would indeed be applied to principal. I asked her to send me this in writing to my email and was informed that she wouldnt be able to send me anything in writing stating this until my amortization schedule is ready. I asked when that would be and was told hopefully in 24-48 hours. Its been three days since my call and Ive received nothing.

Before I make any payments to my account I would like my amortization schedule. It doesnt seem right that one doesnt exist already and the company is not being transparent with how my payments are being applied or with their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this  day..nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2019-07-14
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received documentation from XXXX XXXX XXXX/XXXX on XXXX XXXX that documentation had been submitted to the bureaus to have all derogatory late payments removed as I am a military member and am protected by SCRA. I received an alert from XXXX on XX/XX/XXXX that the accounts have been updated to 120 days past due. I called and spoke with a customer service representative from XXXX on XX/XX/XXXX and was informed that my account status is showing current.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX 2019 i qualified for a Capital one platinum  Master card and was told to pay XXXXdollars to get a secured credit card of XXXX dollars limit, i was again advised that i can get more if i pay higher deposit so i added XXXX dollar more which totalled XXXX dollars with Capital one bank to get a secured credit card Having used this card for a year, of XXXX dollar credit limit was increased so i applied for another credit card and qualified for Unsecured Savor card of XXXX dollar limit.now this two card were merged together by Capital One bank of Two cards One ACCOUNT. 
Using the card excellently my credit score raised to XXXX Fico score but i had a fradulent transaction on my account and inform Capital One and XXXX   Credit Bureaus to investigate my claim, After a Month they concluded the investigations. 
Capital One with XXXX  without my authorization closed my account that had been used for more than a year without no letter in the mail or permission. This action dipped my credit score and affected my score line. 
i called Capital one on XX/XX/XXXX to request information about my Secured Platinum   card which i paid XXXX dollar deposit for and they told me they close the account and can not issue me my money back because they said the account was reported as fraud My fight is that My credit card which have used for a long time with good credit history was erased with no permission and then they decline to refund me my security deposit i paid for the card which due to their fault also affected my credit score i am dutifully requesting this issues fixed with Capital One and my money refunded immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
Company: GOLDMAN SACHS BANK USA
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card. 


In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card. 

After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, Transunion and XXXX. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however Transunion and XXXX  states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from XXXX, Transunion and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.

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 2019-07-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I began getting really harassing calls by ACE Cash Express, but it turned out to be a person working on behalf of them threatening to sue me and saying that I will be subpoenaed within the hour and all my bank accounts frozen. Then she was extremely aggressive to take payment and I told her I cant afford to pay off the loan. She then said my only option was biweekly payments of {$470.00} which is outrageous and I cant afford but of course I accepted because I cant afford to pay lawyers and go to court. I just want to make lower payments but she didnt care to listen. If theres anything that can help me please let me know, I could barely afford food right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Navient Solutions, LLC.
State: WA
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 spent the last 10 years working for the XXXX XXXX, XXXX XXXX and making on time payments to my loan. When I called to find out about my loans be absolved because of that reason I was told that my loan wasn't the right type of loan. That's how I was left. They redid my loan payments but that's all. 

Extremely frustrating and unfair that I wasn't told that 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
I had defaulted on one student loan with the Higher Education Student Assistance Authority in XXXX but have consistently made a loan payment to them for over 8 months. However, on XX/XX/XXXX, I filed chapter XXXX in the state of NJ, docket # XXXX and I am currently under protection of the automatic stay but I continued to make a payment of {$120.00} in the month of XXXX but did not for XX/XX/XXXX because I had no obligation to as a result of the chapter XXXX filing. I called HESAA several times and gave them the docket filing number, I also faxed them proof of filing twice and I also emailed them. They consistently deny being notified by myself and the bankruptcy court of the filing though the phone conversations where I state this fact are recorded with each call. On XX/XX/XXXX, I received a letter from HESAA from XXXX XXXX that they have cancelled my repayment arrangement which has been in place up until I filed chapter XXXX, I made a promised payment every month and they are choosing to violate the automatic stay and cancel my repayment arrangement which was in place prior to filing chapter XXXX. They are in violation of the automatic bankruptcy stay in pursuing collection activity against me and cancelling my repayment arrangement prior to the chapter XXXX discharge though I also told them I would be resuming payments after the discharge occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Asset Management Outsourcing, 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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation