BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Navient Solutions, LLC.
State: MD
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:
Re : Navient Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against Navient because Navient reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: CA
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:
We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...

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 2022-08-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ECSI Heartland is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
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:
Wrong credit information was reported to to 3 credit bureaus. Although, 2 complains have been filed and numerous credit dispute with Lakeview LoanCare services, this company still made errors and reported without carefully review diligently. Either irresponsibility of people who reported or just bad human beings have been working for Lakeview LoanCare. 

The latest error was the loan amount on my account, which was reported as a total balance of more than XXXX millions. My account balance should have been only around 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 2022-04-29
Company: Experian Information Solutions Inc.
State: DE
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, the accounts below, have 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 an account without my written instructions. 

Accounts are below : XXXX XXXX : XXXX Amount {$94.00} XXXX  XXXX Acct # : XXXX Amount {$2400.00} XXXX XXXX Acct # : XXXX Amount {$2300.00} XXXX XXXX Acct # : XXXX Amount {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX Security Credit Services placed a collection account on my credit reports. I read to wait for a Right to dispute or dunning letter. It is now XX/XX/XXXX and still have not received an written communication from them. I have tried calling the number on their website for consumers multiple times. I have never had anyone answer. usually the line just keeps ringing. I tried to dispute with the bureaus, but all they do is tell the bureaus it is valid with no validation. I am very concerned as I have had Identity theft issues that may have caused this account. I know that both federal and Texas laws require this written notification. I need to see validation or it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2019 I had an account with XXXX at my old address of XXXX XXXX XXXX XXXX # XXXX. I moved overseas, and called to cancel my account. XXXX assured me the account was closed, but no one showed up to collect the equipment. Someone from their office using the phone number XXXX told me I was still being billed, and the billing wouldn't stop until the equipment was collected. XXXX came, and picked up the equipment and then sent the account to collections for the total of {$470.00}. I just received this collcection notice this past week. Ive included screenshots of the conversation for reference.The XXXX rep is in the gray text box.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I have a auto loan with this lender During Covid I lost my job but I was still making payments I miss too payments I I tried to reach out to them to let them know I am falling behind if they could give me an extension However, they took the car without any notice know letter when I call them they told me they try to reach out to me. I got the car back within a week I try to dispute the 3 late payments and the Repossession they have on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

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 2022-08-09
Company: GOLDMAN SACHS BANK USA
State: FL
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:
The issue involves the Apple Card by Goldman Sachs Bank USA. 
I have tried since XXXX of XXXX to resolve dispute about a balance I do not owe. In fact, 2 associates told me I have overpaid. One stated I overpaid over {$300.00}. And another said over {$100.00}. I have been on the phone with them numerous times, which usually last 2 hours, going over the same problem, despite them having individual notes from each discussion. I have been told no interest would be accrued while in dispute but it continues. I wrote a letter, thinking that would resolve the issue but I didnt even receive a response. The latest balance, according to them, is {$400.00}. I do not owe this. Each time I have called every associate and specialist and or Supervisor comes up with a different amount. It should be a simple matter of adding and subtraction This has been an ongoing nightmare and has effected my excellent credit.. 
I do not have all dates, not realizing I would need them, but I know I called on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also have a copy of numerous text messages. Some people I have spoken with are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
They refuse to resolve and while they state they will send in dispute, I receive nothing. 
It took forever to close this account, another 2 hour ordeal. 
I have never dealt with such an incompetent company in my entire life. 
I hope you can get some results. The XXXX, time, and damage to my credit is beyond upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a XXXX with the promo attached to this form. I spoke with 4 reps. First rep said that the XXXX XXXX point offer was on my account and promised that I would receive it, but the part of the offer about the {$100.00} statement credit was not on my account and he would submit a ticket for investigation and gave me reference number : XXXX Second rep said to wait on the investigation on the {$100.00} but reassured and promised that the XXXX were coming. 
Third rep said the {$100.00} statement credit came from XXXX, not Amex and to call XXXX Fourth rep said I gamed the system because I closed an account with them a long time ago ( A cashback card ) and I could not get either the points or credit. I explained the situation behind the closed account : It was my first card with Amex and I upgraded it and got another card ( the green card ) with no bonus because I liked Amex, also because I liked them, I referred a friend. Neither her nor me received our referral bonus. Amex refused to help, saying that we did something wrong and that a system error was impossible. I was frustrated at the poor way Amex handled the situation and therefore ended my relationship with Amex. Then, about a year later, Amex sent me an apology letter and made things right, so I decided to give them another try. I was not gaming them ... 
I also, was not notified that I was ineligible, as the forth rep said I was. 
I asked him to consider if he were to buy a computer at the store that said in big letters 8GB RAM, then in fine print on the back said may not be 8GB RAM. I asked if he would feel cheated after he bought it and found out that the store did the bait and switch on him. He didn't answer/ignored that hypothetical scenario ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank 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 explanation
Consumer complaint received 2017-07-05
Company: Century Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I received my payoff package in the mail. I immediately XXXX the required amount to them which was marked received on XX/XX/XXXX. The amount enclosed was the exact amount requested on the paperwork for a payoff through XX/XX/XXXX. On XX/XX/XXXX I logged into my account and noted that the lease was still active, a late charge had been added and the payoff was marked as short. I called, spoke to a supervisor and was told that some work would be require to reverse the issue and I would get a call by XX/XX/XXXX. It is now the XX/XX/XXXX and this is still not resolved. I never received a call, email or other update at all on any of this. They will not give out supervisor information, and everytime I call " none are available '' This is bar none, the worse work I can imagine. I have done nothing wrong and yet even a month later they ca n't resolve this. I am now worried that this inept company will report me as late for a lease that I have paid off and I still do n't have my title.

Company response to consumer: Closed with monetary relief