BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I orginally disputed this collection from my credit report which has this debt under XXXX, no where on any of my credit reports show that this company, CONVERGENT has ever attempted to collect a debt. also, I have never received a letter from this company with regards to any debt. They have violated my rights and I want this removed from my credit. Lastly, a bill is not a validation of debt which is what they provided me and the account number on the bill doesn't match the account number on the 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 2022-12-12
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XXXX and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX   has reported this account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: COMMERCE BANK
State: IL
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:
My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. 
It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. 
sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. 
They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. 
Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. 
First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX Ally financial XXXX auto division, stop sending me bills after I ask them to validate the debt to make sure I was paying the right bill after I received ally bills with different people names on it for same amount I was paying for my car. After further investigation, loan was done in fraud and in fact they never lent me any money for the car, they actually took my application, applied it as a assets on their book entry, double book entry, then bill me for a loan that didnt exist. Since then they suspended my online payments, and made me go to XXXX in order to pay, but after couple months without current bill XXXX denied me to make payments until I received an updated bill. I told Ally about the situation every month since then, in XX/XX/XXXX XXXX XXXX XXXX was illegally repossessed with compensation. This happened a day before my child was born in which we had no way to drive to the hospital, and was forced to delivery the child at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
myXXXX  Closed Accounts Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections generally stay on your XXXX credit report for up to 7 years from the date of first delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-05-25
Company: JPMORGAN CHASE & CO.
State: PA
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:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting acct XXXX XXXX  has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2018-02-18
Company: Experian Information Solutions Inc.
State: CA
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:
Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams

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 2019-08-13
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: Other problem getting your report or credit score

Complaint:
We are in the process of purchasing our first home. Since XX/XX/XXXX my lender has been trying unsuccessfully to pull my Equifax score and report. The response from Equifax is that no FICO score or information is available for me, but when my lender tries to get my Equifax score I get a notification about an inquiry from Equifax. After many calls to Equifax they asked me to fax my drivers license, passport, W2 and social security card to verify my identity and to be able to look further on the problem. Today XX/XX/XXXX I received a letter from Equifax confirming that all my information is correct but still my lender cant pull any type of information. Called again today and Equifax will look into the issue again. Also I have an Equifax monitoring service, I can see my report using the service but my accounts have not been updated since XXXX, my student loan was updated recently on XX/XX/XXXX. None of the information Equifax is providing makes sense. My closing date is 15 days away and as of today this issue seems that it will put an end of my home purchase since I cant meet my closing date. 
Please help with Equifax, I only need my info to be update and report it to my lender, I have been getting ready for this day for years and all my financials are in place. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Westlake Services, LLC
State: UT
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:
ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with Westlake Financial Services associated to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with Westlake Financial Services, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the Westlake Financial Services customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before XXXX, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the Westlake Financial Services customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of Westlake Financial Services at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with Westakle Financial Services but I have not received the necessary attention and I also tried to solve it with XXXX but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Frontline Asset Strategies, LLC
State: NY
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:
Frontline and asset strategies obtained my personal information without my permission and when I asked for clear evidence that it was me who authorized it with clear wet ink signature they failed to provide any evidence PLEASE SEE ATTACHMENTS Ive sent them a notarized letter through Certified mail which is a contract in itself and they failed to respond or remove this report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Asset Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I TOLD THIS COMPANY IN WRITING AND OTHER 3RD PARTY COMPANY REGARDING THIS MATTER, NOT TO CONTACT ME DIRECTLY VIA PERSONAL PHONE NOR WORK PHONE AND THAT ALL CORRESPONDENCE SHOULD BE VIA US MAIL. 

However, this company continues to call me daily at different times repeatedly on my cell during working hours. 

For example, XX/XX/19 @ XXXX XXXX  XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried numerous times to renegotiate my loan to lower the payment either by lowering the interest rate ( 9.0 % ) and they refuse. I can not afford the monthly payment, do not want to default and can not afford the recently increased payments which are now {$320.00} from {$130.00} a few months ago when I was on a reduced rate plan. They refuse to continue the reduced plan. 

My original principal was {$24000.00} I currently owe {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: NV
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:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}. 
I have been denied, charged XXXX times the deposit on various occasions. 
I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists. 

This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed a letter to the company on XX/XX/XXXX about the debt. 
I called the company on XX/XX/2010, XXXX, XXXX. 
I called the company in XXXX to dispute the amount. 
I sent a certified letter with evidence, payments etc that the information was incorrect, and it was signed on XX/XX/XXXX they received the informaation. 
I called the company on XX/XX/XXXX to see if the certified letter was received, with a copy of emails that were sent, checks that were mailed, etc, and they stated that it was my word against their word, and said that they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company advance America sold my loan to. XXXX XXXXXXXX XXXX. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America told CFPB they will response to them, but not put it on their website. They said we would get a letter by mail. Our letter by mail never came. They did send XXXX XXXX a cryptic email stating they have no intentions of changing any of there records, because there records are correct and there will be no monetary damages or anything else. I am asking CFPB to assist in helping with this FRAUD Bank of America is doing with this Loan. This was a refinance. We built the house in XXXX with an unfinished bonus room. In XXXX we refinance and got {$10000.00} XXXX to finish that room. 
This is the only time we touch this Loan. Can CFPB investigate this Case. Can they make HUD do their job. This is a FHA. HUD dismiss the Case stating It '' Appears '' to be FRAUD. But, they don't do FRAUD! What nonsense is this? This is a Federal Crime!! When they answer to the complaint, they lie

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 2023-06-30
Company: BARCLAYS BANK DELAWARE
State: OH
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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