BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. I advised the rep I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I have also attached an identity theft report to reflect this fraudulently charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX in XXXX. I took out a {$15000.00} loan with Sallie Mae ( now Navient ). I have been making payments since XXXX averaging at about {$180.00} a month. Because the interest rate is so high on them ( it's broken up into 2 loans ) essentially all of my nearly {$20000.00} have gone towards interest. I have never missed a payment and am always on time, even though looking through the statements I saw they charged me late fees and that is inaccurate. Last year I noticed they stopped charging me. I still made payments hoping it would go straight towards the principle. Turns out it was going mostly to interest. I received an email saying they were going through a lawsuit and figured that was the reason they stopped charging me so I stopped paying it. Now I just found out that my " forbearance '' is ending in 21 days. I never asked for a forbearance. And because I wasn't making payments, my interest rate shot up even more. Accumulatively it is at 23 %. In the past I had called and tried to lower my monthly payments and they denied it. That is the extent of what I've done to pay less on my loan. I know that the lawsuit had to do with cases such as this, where they were doing shady things without people knowing and I am one of them. I have contacted them about it and they said they are " looking into it ''. I don't expect them to do anything seeing as how they are thieves. I need something to be done about this. I shouldn't have to pay higher interest rates because of something they unknowingly did to me. I honestly would like to refinance my loan and get the interest lowered as much as possible ( nothing over 6 % ). Also it's completely unfair that I can't claim this on my taxes because of the type of loan it is. This is ridiculous and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CL Holdings LLC
State: GA
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:
On XX/XX/2019 I mailed a letter to Jefferson Capital which I will attach. I basically requested verification of my debt in order to take appropriate steps to address my debt. It has been over 30 days as of today XX/XX/XXXX and I have not received a written reply from them. I am requesting CFPB step in to get the ball moving with their response as I am attempting to work on improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen from my purse at a XXXX XXXXXXXX CO restaurant around XXXXXXXX XXXX MDT on Sat, XXXX XX/XX/2018. I didn't find out until 30 min later, when I discovered the wallet was missing, and then the fraud alerts started coming in on my phone from my bank. The criminals used my 2 credit cards for approximately {$9000.00} and my debit card ( without the PIN ) for another {$1500.00}, until finally USAA bank shut everything down. The bank is doing the right thing with the credit cards, but the debit card charges have been decided as not fraud. I notified the bank within 30 min of the incident, and in fact the bank shut down the card when a second transaction was attempted on the debit card, before I called in. None of this should have occurred if the bank had followed my {$1000.00} transaction limits on all my cards, which I know were in force about 8 years ago when I tried to make a transaction above the limit. About 36 hours after this incident, I received the initial " not fraud '' determination, and I filed an appeal with full details of the events in writing a few hours after that ( well within 48 hours of the event ). When I received no reply within 24 hours, I called the bank and demanded an appeal, at which point my report ( that was in the system but ignored ) was added to the appeal. Then the final determination of fraud ( no further appeal ) came in on XX/XX/2018, saying I was liable for the full amount. Federal law ( Fair Credit Billing Act ) says that I am only liable for {$50.00} due to my timely reporting. In addition, I demanded an investigation into how this whole fiasco was allowed to occur despite my transaction limits. So far, no response. Please let me know what I should do for the next step, because all I can think of now is to hire a lawyer and take USAA bank to court for violating the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
on XX/XX/2018 at XXXXXXXX XXXX, the debt collection office for XXXX XXXX XXXXXXXX XXXX XXXX called me threatening to take legal action against me, which on XX/XX/2018, i spoke to someone about setting up payments plans and someone from the debt collection office for them was supposed to return my phone call at XXXX on XX/XX/2018 and never did. the representative mentioned that the recommendation was put on hold which i am not made aware of any of this information and then she about my XXXX in a tone i did not appreciate " are you still XXXX  ''? the number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection popped up on my credit report XX/XX/2018 and it was suppose to had been taken care of. I paid it XX/XX/2018. For mortgage reasons me, my mortgage Lender, realtor, The original creditor XXXX XXXX/ XXXX, and The credit bureau started calling CBE group collection agency XX/XX/2018 To get the account Removed from my credit report. We Could not get in touch with them. They never answered the phone And they never called the creditors back. I was supposed to close on my house XX/XX/XXXX then XX/XX/XXXX we had to ask for another extension Because we couldnt get in touch with CBE group. The credit bureau just need to hear from them and them state that this was paid In full and to remove it. I dont want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX ... This bank pulled my credit. I have been having a problem with this bank for over a year. I did not and do not authorize Chase to to make a inquiry on me and it seem like someone periodically run my credit every 3 -6 months and im tired of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 I reported that my checking account had some unknown charges and I wanted to dispute them. I put in the request, about a month later someone from Bank of America contacted me and confirmed that I did have my debit card at the time of the transactions. A week later I got a letter that they denied the claim and they were drafting the temp credit they put in my account on XX/XX/18. This caused me to go negative and I am currently negative. It is going to cause a great hardship to pay this, when I was not liable for 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 monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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. 

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 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 2021-03-03
Company: BARCLAYS BANK DELAWARE
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 filed a dispute on some transactions. 
{$51.00} -- XXXX XX/XX/21 During the investigation process, I expected a temporary credit to show up. This did not occur. Instead, the transactions were kept on the statement and interest has showed up. This interest was never addressed. Instead, a rude customer service representative with a number of XXXX conducted instances of rude obstruction ( XX/XX/21 ). 
{$29.00} -- XXXX XXXX XXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest. 
{$11.00} -- XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest.

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 2018-03-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My 4 private student loan amounts are increasing and the interest rate is going up. I took the loans out in XX/XX/XXXX, each of them have more amounts than the original loans. All 4 loans as of XX/XX/XXXX is more than the original loan amount. 10 years of payment, how is it possible?? I was few times late due to high payments, trying to juggle family, XXXX kids car payment, rent, Insurance. So many years of payment should count for something. I want to get out of thia situation and refinance but, it is impossible. I am set for failure. I will have pay this for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX  XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; 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 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 2022-10-07
Company: EQUIFAX, INC.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2021-03-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Date XXXX XX/XX/XXXX company name - Carecredit Card/Synchrony Bank Since XXXX XX/XX/XXXX get the credit card The Company action : The reason ( s ) for decision " The number of dishonored payments '' my Explanation credit Limit {$3000.00} My credit payment {$2000.00} Current amount {$330.00} I paid {$1700.00} in 5 months even though I had one year to pay for it. I actually paid ahead so I deserve better. So Why my Account Close? 
I don't want this to cause a problem on my credit history so please change your decision.

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 2018-09-26
Company: THE GUERRINI LAW FIRM
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter via U.S. Mail which is attached. The letter states " Their client, XXXX XXXX '' has a Judgement against me and is offering to settle for {$960.00}. 
I have never had an XXXX card and I don't believe this is my debt. I am being told to send this money in by XX/XX/2018 or the deal will expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Colony Brands, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here. It is just effecting me a great deal as I used PayPal quite frequently. I have more than {$200.00} on my account and I urgently need it for my brother 's medication, he will undergo XXXX and we need that money. Please help me fix this. Thank you. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An agency states I owe {$1600.00} for an apartment lease I paid off without incident. No communication was given to me by the apartment complex at any point. XX/XX/XXXX I sent a letter to National Credit System requesting proof of the amounts owed and also followed up with a phone call to confirm the agency received and understood what I needed to pay the debt. 30 days went by and I was never given any proof of the said amounts owed. I have been lied to and believe this is a fraudulent attempt to collect revenue. I sent a correspondence and followed up with a phone call XX/XX/XXXX and was basically told they would not provide me with any proof of said amount due. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: CO
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:
Equifax website does not allow for court documents to be uploaded. I called about the issue and they said I had to either fax or mail the documents. I now have to pay to dispute harmful items reported by negligent lenders because they refused to accept the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving 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