BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
On Tuesday XXXX XXXX 2017, I called American Express to see if they were able to help me with an installment I set up 2 weeks ago. I made a large purchase over {$6000.00}. On the XXXX app it gave me an option on enrolling into a plan it ( payment agreement plan for that huge purchase ). The max amount of installments it let me enter was 3 which was ridiculous. I 'm not able to pay that amount monthly for my credit card. So I 've been calling since XXXX XXXX to see what could be done, if I 'm able to get more installments or to opt out of the program. By enrolling into this plan, I was not aware that the mandatory minimum payment was going to be from {$150.00} all the way to {$2100.00}. Thats insane, I 'm not able to do that. I called them and they transfered me to 6 different people that did n't take the time to help me at all, I ended up talking to the same person ( XXXX ) who transfered me to another department just because he didnt know what to do!! I was on the phone almost an hour being transfered back and fourth. I stood calm the whole time, at last I was transferred back to XXXX who I asked politely if I was able to speak to a manager, he then placed me on hold and transferred me to a department that was closed!!! The automatic machine gave me an option to go back and press # 1 to speak to someone in customer service and when someone picked up, they hung up on me because they heard my voice and knew it was me again! No one should ever experience such bad customer service. No one knew what I was talking about and how to help! This is frustrating and crazy. Something needs to be done! It 's really not fair to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: MS
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 have contacted Equifax on 3 different dates to remove inquires on my credit report that i did not authorize which would be fraud. I have asked them to validate these inquiries according to FCRA. They have not. These inquires are from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: NJ
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:
In early XX/XX/XXXX, I initiated a balance transfer of {$10000.00} on a Chase Slate credit card. The online form I filled out indicated that the fees generated from this transfer would be {$0.00} because I was initiating the transfer within a promotional window that allowed by free balance transfers. 

However, after the transfer went through on XX/XX/XXXX, I was charged a fee of {$520.00}. Chase indicated that even though I submitted the transfer before my promotional window closed, the transfer did not go through until AFTER the deadline, and so I was charged the fee. 

I argued with Chase about this since I had no power over how long the transfer would take and I feel like they lengthened the transfer time specifically so they could charge me a fee. 

I sent numerous messages and made phone calls to the company to recoup my fees but was rebuffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, from the U.S Department of education, 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 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 2020-05-06
Company: AES/PHEAA
State: TN
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 made a payment of {$500.00} on my student loan on XX/XX/20. 3 days later I had an outstanding interest payment of {$77.00}. This was after the care act was signed in XXXX. I've sent a dozen emails to my servicer, Fedloan, and keep getting told the interest has been removed, but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: State Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sir/Madam, I just received a debt collection letter dated on XX/XX/XXXX from State Collection Service , Inc. XXXX XXXX XXXX XXXX, XXXX WI XXXX for {$30.00} to my mailing address at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. The letter indicated the past due account have been referred to its office for debt collection. 
I initially made an appointment for XXXX on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX for preliminary XXXX a ( XXXX ) XXXX at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX. But I called their office at the number stated above may be around ONE week prior to the appointment date to cancel the appointment because I did not want to go through with the XXXX after consulting with friends and family. The secretary on the phone reaffirmed me that the appointment has been cancelled and I had nothing to worry about because there will be no XXXX. 
Now, 6 months later today on XX/XX/XXXX, I received their first notice of payment of {$30.00} through this credit agency. Why did the secretary tell me it was cancelled and still billed for for an office visit I did not go to? I 've never received any bills from XXXX or any written notification from their office for this {$30.00} bill either to my mailing address ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) or my home address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) until now through this collection agency. 
This is NOT good for my credit nor is it fair for me. I am going to mail the {$30.00} payment to State Collection Service, Inc. today. But please request XXXX Hospital to remove this from my credit history as it is clearly NOT my fault nor was I aware of what has transpired. Thank you in advance for all your help in this matter. 

Sincerely, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Client Account Number : XXXX Service Date : XX/XX/XXXX Account Balance : {$30.00} Total Amount Due : {$30.00} From : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX, XXXX WI XXXX Phone Number : ( XXXX ) XXXX or Toll Free ( XXXX ) XXXX Hours : Mon - Thurs XXXX - XXXX Fri XXXX - XXXX, Sat XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me for a debt I have no idea about. They call me all day at least 10 times a day starting at XXXX XXXX  and go till about XXXX XXXX. They also call my work and bosses personal cell phone after being told repeatedly not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Called on XX/XX/XXXX to tell Sallie Mae that I had recently lost my job and would not be able to make payments for a month or two on my interest payments. Told them that I would be starting a new job soon but would like to alert them and delay payment for the next month or two. Was told that there was no way to delay interest payments and was actually made to pay " good faith '' money in order to stop making payments for one month. Have still been charged interest payments and getting calls that I need to make interest payment despite having told them that I would not be able to make an interest payment for a month or two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, the consumer, natural person, XXXX XXXX entered into a consumer credit transaction with Wells Fargo Auto on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Wells Fargo Auto also took cash. The finance charge is suppose to include insurance, but Wells Fargo Auto made me purchase insurance separately. Wells Fargo Auto did not provide me proper disclosure on my right of rescission pursuant to 15 USC 1635 in which they are criminally liable pursuant to 15 USC 1611. They than began to violate the Fair Debt Collection Practices act by using instrumentality of interstate commerce via mail and said I, the consumer owes an alleged debt. I have attached all proof and exhibits along with my complaint.

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 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I was notified by Bank of America via text that there was some unusual transactions on my bank account. When I looked at it i saw something wrong and I requested for BOA to stop transactions. After that they immediately contacted me, while we were discussing the incident there were several transactions trying to be conducted on my account. After looking at my account and having the discussion we realize that this has been going on for a while and I immediately file claim for my money. Which was an excessive amount of {$20000.00}. BOA did recognize that fraudulent activity had taken place and agreed to refund me my money within 30-90 days pending investigation. Four days later I get a letter in the mail stating my claim has been denied. After several attempts and applies i am getting no where. They sent me a letter to fill out and I did and sent it back. A few days later I receive a letter in the mail stating that my claim is still denied. I had nothing to do with this at all. I am a victim, BOA is suppose to protecting me and I want all of my money. BOA does not have the right to deny my claim with no explanation or justification other than " I should be watching my account ''. My account has never been associated with the third party apps in which my account was used for such as 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 monetary relief
Consumer complaint received 2020-05-04
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was refinancing my private student loan which was held by XXXX XXXX  with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX   XXXX  called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection agency, by the name of Portfolio Recovery Associates, LLC., has been trying to collect on a XXXX XXXXXXXX account from a credit card I had a couple of year 's ago. The account was closed after an investigation was made based on Identity Theft after an individual manipulated me and further embezzled funds on or around XX/XX/2017. I thought the fraudulent items were going to be reversed after I spoke with one of their representatives a month later since I noted on my bill that the additional transactions in question were still included as part of the total amount owed. I disputed the accuracy of the amount owed with the collection agency, as well as furnished them with the aforesaid information, and they are unwilling to contact XXXX XXXX regarding the dispute. I just contacted XXXX XXXX ( in order to furnish the debt collector with a letter attesting such indicents ) and they mentioned to me that they have no information showing that an investigation was made ( which seems suspect to me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is trying to collect a credit card debt that is not mine. Someone stole my information and opened a Capital One Union card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
Capital One has been trying to take money out of my XXXX bank account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with Capital One and now XXXX XXXX XXXX XXXX XXXX is calling my wife for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In or about XXXX/XXXX I cancelled a cell phone I was on month to month with through XXXX, but was still being charged monthly for the bill. I was sent to collections and disputed it and won. It was removed from my Credit. Approximately 4 or 5 years later it was put back on my credit, I disputed it and even had to go to the Arizona Attorney Generals Office to have it removed as not only was the charge not legitimate since I was being charged AFTER cancelling the month to month phone, for several months with the phone being shut off, but it was past Arizona Statute of Limitations Law ARS 12-543. Limiting the collection of a non contractual debt in AZ to 3 years. After the AZ AG was involved they had it removed from my credit, and now all of a sudden with no warning, no call, no mail, nothing, it is back on my credit report. The Supposed " debt '' is now over 7 years and violates AZ state law and violates the FDCPA laws. 

XXXX XXXX. Oral debt ; stated or open account ; relief on ground of fraud or mistake ; three year limitation There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions : 1. For debt where the indebtedness is not evidenced by a contract in writing. 

2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon. 

3. For relief on the ground of fraud or mistake, which cause of action shall not be deemed to have accrued until the discovery by the aggrieved party of the facts constituting the fraud or mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I received a call notifying me they were attempting to collect a debt. I told them to not call me and to send something to me in writing. I have yet to receive anything in the mail, but have seen where they are going and reporting this to the credit on a monthly basis. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I attempted to payoff my loan online as that is how I obtained it in the first place. I was not able to do so and instead was directed to contact the lender another way. I submitted a request immediately and did not receive a response until today. I am attaching the response as a pdf for review. I believe the tone and substance of the response speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
account was open in my name without my consent and needs to be remove

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 2022-11-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 a lien against a property was paid in full at closing ; the company holding the lien : Portfolio Recovery Associates, XXXX of XXXX, Va. has not RELEASED or filed a SATISFACTION. Lien is open and still appearing on the property sold. New Owner can not get a mortgage loan to fix the property because of the outstanding lien.

Company response to consumer: Closed with explanation