BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
National Collegiate Trust ( NCT ) is the owner of one of my student loans ; they are a terrible company that offers no repayment options other than pay every month on time or we will ruin your credit. One day late is considered delinquent, and my minimum amount due has increased every other month for the last 3 years. I have attempted to make my monthly payments on time every month, and to pay more than the minimum monthly requirement to pay off the loan early, or at least attempt to. However, NCT has made it impossible for me to EVER pay off or reduce the principal of my loan. They have raised the interest rate on my private student loan 9 times betweenXX/XX/XXXX and XX/XX/XXXX, I have proof in notices. That is just this past year ; my monthly payment increases almost every time I send a payment in. Making it impossible to ever budget or correctly asses my monthly finances, I have no idea how much my expenses will increase month over month because of this payment.
I am currently paying just shy of {$200.00} per month for this loan, with the interest rate increasing and never decreasing, although American Education Services ( who services the loan ) informed me that the variable rate means it " could '' potentially decrease but they have never witnessed it. I am well aware that increasing the interest rate is only increasing the amount of money NCT is making off the loan, and they have absolutely no repayment options available other than to keep paying the loan until while starve to death, which at this point is a possibility. And one day late is considered delinquent, which negatively affects my credit report making it impossible to receive any sort of credit or financial assistance. I am stuck in a catch 22 of paying my payments on time every month in an attempt to retain some good credit, while they continue to increase my payment for no reason other than to make more money for National Collegiate Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX   and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XXXX ) 2. XXXX XXXX XXXX reported the account as being opened in XXXX, which is also false. The mentioned account was closed and discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was mistakenly debited twice for the same payment. An error by paypal. I placed a request to the resolution center. They contacted the seller who told me only a single transaction was placed. I never received credit from the seller. I tried to call paypal multiple times but they informed me their system was too busy and hung up. I tried to contact them via their messaging I heard nothing. Finally their collections department called but refused to review the issue. I believe that paypal systems are no longer functioning correctly and need to be reviewed. 

Duplicate charge CASE CLOSED Case ID : XXXX The case was closed in the seller 's favor as you've already received a credit from the seller. 


Case details Transaction amount {$93.00} XXXX Transaction ID XXXX Payment method XXXX XXXX XXXX XXXX XXXX x-xxxx Date reported XX/XX/2020 Your notes There are two different transaction XXXX and XXXX which show as two separate transactions. Note XXXX was billed to my bank account on XX/XX/2020 for transaction XXXX. I was then told I had an outstanding balance of {$93.00} for transaction XXXX which required me to transfer funds for XXXX on bank charge XXXX. The transactions XXXX XXXX both a named XXXX. I checked with XXXX and they show only a single transaction. I was told a week ago this was an error that would be cleared by my bank but there are two separate billing to my bank account.

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 2022-06-16
Company: EQUIFAX, INC.
State: AZ
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 filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Did not validate bankruptcy report on file. 

Did not investigate dispute Can not provide dispute details

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 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX XXXX and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to JXXXX XXXX XXXX XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX # XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Best Service Company in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.

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 2023-03-10
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ALLY FINANCIAL INC.
State: NY
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:
Card was hacked I was not notified till I received my statement. Account closed for no reason. Have spent hours with customers service only told someone will call back noone dies

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 2017-06-22
Company: FIRST HORIZON BANK
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:
I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. 
XX/XX/XXXX I worked for XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX. 
I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX I lived at XXXX XXXX  XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 

First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. 
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number. 
Secret Service also notified of fraud, embezzlement, abuse of His Housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: BANK OF THE WEST
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My husband and I visited Bank of the West XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to open CD on XX/XX/XXXX. We discussed with the banker about a CD, the interest and I remember my husband asking about the cancellation penalty. He said " There will be no penalty, if we give a 3 months advance notice. If you want to cancel immediately, the penalty will be 3 months of the CD interest. '' Unfortunately we were not given any documentation. We opened the {$130000.00} CD on that day. After 3 years and 7 months, we needed the funds immediately. So I flew to US for 4 days to release our money, visited on XX/XX/XXXX and explained what the banker told us and what we had agreed upon when bought the CD. The manager did not check any documents or even say he would look into it or ask for the the name of the person we talked to and then said to me " It's a he said, she said situation. '' and that there was nothing he could do about it. I came back to XXXX and told my husband what had happened and he wrote to the bank manager, however it looks like the the bank has no intention to find out the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent letters 5 times showing that information should be deleted from my file and they still have not removed the information. they are refusing to help me. below are the companies that should be removed, I have attached the letters I received from the companies for these items to be deleted. 
1. 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2022-12-27
Company: Atlanticus Services Corporation
State: WI
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:
On XX/XX/2022 I contacted them for the 5th time about a replacement card because the card has my mother 's last name XXXX when my name is XXXX XXXX I've had problems in the past using it because of this when my ID says XXXX XXXX not only that when I first got the card there was an online purchase for a bike and I called and told them they never did anything on the matter on top of the high interest charges and {$12.00} a month maintenance fees that I was never told about that I signed on it I asked for evidence no answer I paid off the card and still get a maintenance fee charge when my balance is XXXX XXXX.an individual does that aand goes to jail how is it that they can get away with that? I still haven't gotten a replacement card either paid for something I never got and on top horrendous interest charges and fees.They are very rude and unprofessional and can't understand what they say either and it's been well over a year that I have called them about the charge and nothing and a few months and more than 4 times on the replacement card and nothing but they sure are quick to charge that maintenance fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
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: Their investigation did not fix an error on your report

Complaint:
This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on TransUnion, XXXX, and 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 2015-04-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2022 and XXXX Kentucky I paid {$5000.00} down at American Car Center. My lease agreement was for a 3-year term with a major parts warranty for 3 years as well as 6 free oil changes. Within 90 days of this transaction I was informed through XXXX that American Car Center had filed for bankruptcy. Several weeks later I was sent a text stating that Westlake Portfolio Management would be handling ACC accounts. Unbeknownst to me Westlake Portfolio Management is in fact a debt collector that purchased the loans on the vehicle. From what I can tell with my online accounts there has been some fraudulent calculations regarding the money that's been paid towards this vehicle. I am unable to get my car tags renewed because of the shady business deals. For 9 months I have been under such a great distress because this vehicle is the only vehicle my household has to get to important medical appointments. I have learned through several social media groups that hundreds of people has had their vehicles repossed even after paying their payments. I feel like ACC knew exactly what was going on and they tried to get all of the money they could from the consumers before they close the doors. The day that this vehicle was leased the entire transaction seemed shady but at the time I was under a significant amount of pressure to obtain a vehicle because the vehicle I had prior to this one was totaled when I hit a deer. I would like to file a complaint and find out furthermore if any legal action can't be taken against either of these companies. They have not upheld the end of the contract.

Company response to consumer: Closed with explanation