BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I would like to complain XXXX XXXX XXXX about : +++ Charging excessive interest rates and fees, +++ Engaging in unfair debt collection practices, +++ Misrepresenting the terms of loans to consumers with low credit scores, and +++ Failing to disclose important information about loans and fees, I paid XXXX for payments on XXXX aldredy and after XXXX they send me another bill XXXX, I think that payment I just make it, maybe letter send late, that why I did not paid more, from XXXX until XXXX, I did not see any bill about payment, I dont remember, because I am very busy for selling house moving to Texas, with XXXX kid, The day XX/XX/XXXX at XXXX XXXX., they took my car, and did not tell me Anything, I still have lot thing on my car, and alot paper very important for my kid go school, when I bought the cars, the XXXX only XXXX with high interest they give us, and fee, total XXXX , that not fair and too much for my interest and fee, anything they want to take my card, at least let me know, I can remove all my stuck in there, I have loan car with them after I down XXXX, and couple month paid, and they took my car, that enough money aldredy, they can not take everything on my car, paper, money in the car, they should be take car only if I dont paid.

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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am kindly requesting assistance in obtaining a copy of the claims prepared by Bank of America following to the stealing of my money. 
At the beginning of XX/XX/XXXX I called Customer Services to request a copy of my claims that I had to provide for the lawyer. Unfortunately, on XX/XX/XXXX, Bank of America sent me a letter regarding claim number XXXX, which I did not ask for. Today I called again requesting that the following claims be sent. The lady answered that she does not know when it will be possible. Therefore, I ask for help in obtaining the above documents.

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 2023-06-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2023 - The original problem began on XX/XX/2023 when a payment was made but was not posted for 11 days overdrawing my account. I repeatedly tried to make payments, which resulted in returned payments. Then I changed my payment source. The first payment was accepted. In trying to bring my account up-to-date, I made payments from the new account in the amount of {$1400.00} which were posted, but then mysteriously disappeared. These funds were not returned to my account, making me unable to make certified payments that they now require which notification came after the payments were made. Posting payments 9 - 11 days after the payment is submitted is unacceptable. Notification of requiring certified payments after receiving payments are unacceptable. Hanging up on someone who is desperately trying to bring an account up to date is unacceptable. Hanging up on someone who is trying to make advance payments is unacceptable.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I after several attempts to resolve this situation. They are still reporting. I am currently paying child support to the state of XXXX  XXXX. My ex-husband took a XXXX  order to XXXX  and filed for child support on the same child that I'm already paying and current in XXXX  at the same time as XXXX. XXXX  should contact Texas before stating that I owe them the money. Otherwise my ex-husband could take the XXXX  order to all XXXX states and try to get child support from XXXX states on the same child. Please completely remove any reporting for child support off my credit report.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-12-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HSBC premier Credit Card. 

I receive monthly statement hard copy almost always less than two weeks before DUE DATE. I have to online check payment every month before receiving the hard copy of the statement and send a check to HSBC. 

However, starting XX/XX/2021, HSBC website does not allow to review monthly statement, including current payment and previous monthly statements if a customer chooses receiving hard copy of monthly statement. 

Only person who chooses E-Statement-Only can online review monthly statements. 

HSBC is trying to force costumers to choose E-Statement-only by providing better and convenient services to them. It is a discrimination against people who would not choose E-services only. 

XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Somebody signed up for credit cards in my name. And also I have 1 hard inquiry and 2 closed accounts that needs to be deleted. Why? Because I am a victim of identity theft I did not apply for these. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 


Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:517805XXXXXX Account Opened : XX/XX/2022 Balance : {$440.00} ***UNAUTHORIZED inquiries and closed accounts CONTINUE ON THE NEXT PAGE*** Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/2022 Balance : {$530.00} Unauthorized Inquiries : Credit card Inquiry name : XXXX Inquiry date : XX/XX/2022 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 2023-03-22
Company: JPMORGAN CHASE & CO.
State: TX
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 have made a dispute request to the Chase Bank the amount was {$2000.00} and it was refused the reason was I signed a contract with them so they can not approve the dispute, I can not agree with them hear is my explanations the company call Action Refund was solicited me via internet that they will recover my {$120000.00} I lost on online Cryptocurrency trading and I will pay them 20 % of total recovered money so they are just calling me every day 2/3 time to hire them after several try they were asking them to pay {$2000.00} up front and was demanding to send me the contract but instate of doing that they keep pushing me to pay them before so I essay going person I trusted them So i made payment by my Chase credit card after 2 days later Action Refund send me a contract which I did not signed because that what not we were talked over the phone another word I was not agreed the contract they send me so I was asking them to return my money because, just next day I realized that they will never do anything to recover my funds they just took my money even though I waited month whether they do any work to recover my funds so I thing this is another Scam so I did not have any other choice then dispute. I also provided the unsigned contract to Chase which is they were also ask me provide them as a valid evidence, the argument of Chase was any time I purchase anything online it is a contract so my question is where is the protection from Chase Bank to a innocent consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have asked repeatedly over the course of 13 months for this to get resolved an Experian continues to drag their feet and play games. This is ridiculous. They sent me an updated report and this report too DOES NOT have my 100 word statement that I have asked for month to be inputted. 

Experian needs to stop reporting inaccurate information in my file reporting two key factors affecting my score which is irroneous information. I DO NOT nor have I EVER HAD A Consumer Finance Company and my balances are all at zero or within a couple XXXX  dollars HOW can the proportion of loan balances to loan amounts be to high with the balance is XXXX ( XXXX )? Experian can't seem to explain it yet they keep reporting it. 

I've asked numerous times with no resolve. 

I have sent countless letters, some even certified requested an explanation and removal of this erroneous information they continue to report. Experian wants consumers in debt and when you pay off everything they want to punish 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US 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 2023-03-22
Company: The Aligned Company DBA Extra
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I contacted Extra on XXXX XXXX XXXX via email because just to find out who a certain merchant was. " Extra Bot '' answered and I asked to speak with a human person, no response. 
On XX/XX/XXXX at XXXX I contacted Extra via phone in an attempt to speak to a human. I left a message both times and was never given a call back. 
XXXX XXXX, from Extra emailed me back on XX/XX/XXXX I then expressed to him that I " just wanted to know the name of the merchant on my account ''. Just the name of the company. 
On XX/XX/XXXX and after multiple emails, I was finally was given the name of the company, XXXX XXXX XXXX. I did make the charges and use XXXX XXXX very frequent so I did not want to pursue anything further. 
On XX/XX/XXXX Extra deposited {$2200.00} into my bank account. Extra reversed charges from XXXX XXXX with out my permission and deposited it into my account! Once I was made aware of this transaction I contacted XXXX XXXX and demand that I speak to an actual person about the issue on XX/XX/XXXX but was never contacted. 
XX/XX/XXXX, XXXX from extra contacted me via email and did not understand that I did not approve or give permission to do a reversal or pursue anything. I informed them that I will deal with XXXX XXXX personally. 
On XX/XX/XXXX, Extra then attempted, with out my permission, to withdraw the {$2200.00} from my personal bank account. 
There is over 50+ emails between XX/XX/XXXX and XX/XX/XXXX, with multiple agents. In every email I stated that I wanted to speak to someone on the phone and that my account needed to be closed immediately. I was never contacted and my account was not closed when I asked. 
From XX/XX/XXXX to XX/XX/XXXX my multiple request for my account to immediately closed was ignored and I was still being charged fees until XX/XX/XXXX. 
On XX/XX/XXXX I found out that Extra had reported a negative mark on my credit report, ( XXXX ). 
I did not charge the {$2200.00}, it was the mistake of Extra and I do not owe them I owe XXXX XXXX. They have no legal right to report their mistake on my credit report. 
Every Extra Agent that corresponded with me about this issue : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had cable and internet service through XXXX XXXX in XXXX, Alabama. The company advertises that they require no contract with its customers. After the company raised rates I notified them that I wanted to cancel my service and gave them a cancellation date. They did not dispute this date and service was cancelled as of this date. 

After cancellation they billed me for a full month when only 3 days of services were rendered during that time. This was after my prior cancellation notice and their acceptance of that date. Their explanation was that they do not pro-rate bills. Since they have no contract with their customers, I did not feel bound by their billing system limitations and I sent them payment for only the XXXX days services rendered. They accepted the payment. 

Given my prior notice to them of the cancellation in advance of their billing cycle, their cutting of service on the date I requested, the lack of a contract, and their acceptance of the check I sent in payment for the services actually rendered I do owe them anything. 

Despite this, they are continuing to try to collect {$170.00} for a time when they rendered no service. They have turned the bill over to a collection agency, Sequium Asset Solutions , LLC. I have disputed this bill several times, in writing and over the phone, but the collection efforts have not stopped. I have included documentation with the written responses and have received no proof of any debt, beyond copies of the fraudulent invoice. 

I consider this bill to be fraudulently issued and the continuing collection efforts to be in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: AES/PHEAA
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a physician with > {$350000.00} in student loan debt through XXXX  XXXX. They have been challenging to deal with for the last decade, to say the least. 

I found out when logging into my account on XX/XX/XXXX that my loans were put into forbearance without my knowledge. As a result, payments were suspended, interest rates were increased ( to nearly 8 % ). 

I spoke with 3 different individuals with XXXX. The first 2 told me I must have missed a payment ( never have in 10 years, I overpay on them ). When they verified that, they told me they had no idea why I was in forbearance due to delinquency. A higher level individual notified me that in XXXX, when I applied for the Pay as You Earn ( PAYE ) program, I was denied this program, which would have resulted in lower monthly payments ( at a time that I really needed that ), and that denial was an error. They " corrected '' this on my behalf right now. As a result, when switching repayment programs my loans were put into forbearance, with the resultant negative consequences ( higher interest rates, the {$48000.00} of interest now may capitalize on my principal, no one could answer why it was listed as a delinquency forbearance which may impact my credit ). 

All of this was done without my knowledge or consent. Based on a previously denied PAYE application in XXXX. I only found out about the forbearance when Iogged in to my account. 

They are currently " submitting my file for review, '' I can do nothing but hope some of this is corrected. I asked for something in writing regarding all of this, which as of now I have not received. They do not seem to take seriously how egregious this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX with the cares act mortgage were allowed to ask for forbearance up to 12 months. I have XXXX serviced by Loan Care. The XX/XX/XXXX payments are due by thew XXXX. This payment was made and on the XXXX I called about the forbearance program. They said I qualify and I am now told because I called on XX/XX/XXXX my 12 months of forbearance started in XXXX even though payment was already made. So loan Care is only giving me 11 months of forbearance because I called XXXX XX/XX/XXXX. 

I received a letter from Loan Care dated XX/XX/XXXX. It says your forbearance plan starts XX/XX/XXXX and ends on XX/XX/XXXX for a total of 330 days. After several calls and having them send this for review they said because I call in XXXX of XXXX I only get to 11 months of forbearance.

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 2021-02-26
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation