BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the information sent to XXXX. I haven't gotten a reply, their links are not accurate, and when I have called I am advised to call my service provider, which is not in effect at this time. Reason : I need some help. My stress level is higher than I can manage, and my stress over my student loan situation is at the top of the list. I have companies contact me saying they are supposed to be my provider, however, then another one, and another continue to contact and I dont know which are legitimate. Additionally, the methods do not appear honest to me. I go through a lengthy phone process then I am told I have to decide immediately and sign their 15-page document. I ask for time to read the document and I am told you have to sign right now to get this offer and the person on the phone is going to read it to me as we go through. I would never sign anything without being given the opportunity to fully read and understand what I am signing. This is like working with a sleezy used-car sales team and I am not willing to do that. When you push us off on other companies we pay additional fees to them on top of the student loan payments. Then you move us to another company and we pay additional fees again. I dont know if I need legal counsel for this or if something can be worked out. I have been enrolled and re-enrolled with a new start-over date 4 times for my service student loan forgiveness plan because Im a XXXX. By now I should be almost finished with this program, and I have enough years as an XXXX XXXXXXXX XXXX XXXX XXXX that I could have gotten the additional reduction of my loans by $ 14K if this had been handled correctly. At one point I was paying one company and another company garnished my wages. This inconsistency has to stop. As it is now I am about to be 60 and will have to work to almost 70 to get my loan forgiveness and there is no more time to add the additional forgiveness even though I have been teaching for 20 years in XXXX XXXX schools. Im over the XXXX I have had to deal with because I went through XXXX for my student loans. I need help. And I need it from XXXX, not some loan servicer who has proven my loans will not be managed correctly, who will charge me additional money that does not go toward payment, and who is not demonstrating transparency. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I still receive payment notifications. Why? I have been asked to pay the unauthorized charges along with the late fee/interest charges that were added to the unauthorized transactions. I wonder what is it for when all the payments have been made. Please help me with : Amex XXXX named under XXXX XXXX. Please help me in terms of removing these unauthorized charges and closing both the Amex card permanently. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calling and submitting mail to my home address regarding a debt that is not mine. When telling them i was the incorrect person, they continue to call and harass numerous times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is unknown.

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 2018-01-30
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) was collecting from XXXX Insurance and from me. XXXX paid everything except for the deductible amount which was {$1000.00}. XXXX explained that the fees and loss of rental income were requested as a standard practice but were not paid by the insurance or by me. When XXXX XXXX XXXX XXXX contacted me, the representative informed me that their client ( major US car rental agency ) received payment from XXXX but that my payment ( my insurance deductible ) was the only payment outstanding. We discussed the fees and loss of rental income and the XXXX XXXX XXXX XXXX representative explained the same as the XXXX rep ', those fees were not recoverable and their client was happy to let them go. I paid the {$1000.00} ( XX/XX/XXXX ) Today XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX, the representative said there was bad news and asked for {$620.00}. The rep ' said that amount was outstanding and that I owed. I reminded the rep ' that my situation was handled by insurance and that any outstanding balance other than deductible, was paid by my insurance. The XXXX rep ' got agitated and loud with me, eventually after shouting for a while, he hung up on me. I called XXXX and they confirmed that everything was paid. They even called XXXX and were told that the account was closed. I believe they are trying to scam me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Managed Recovery Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MANAGED RECOVERY ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: VALLEY NATIONAL BANCORP
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:
My vehicle and my personal property were wrongly repossessed as a result of not formally being notified of my right to redeem post-repossession. Herewith are the documents which will substantiate my claim.

* NYS VAT 425. POST REPOSSESSION PROCEDURES * VNB EXPLANATION OF CALCULATION OF DEFICIENCY LETTER DATED XX/XX/XXXX STATING I WAS PREVIOUSLY NOTIFIED ABOUT THE SALE ON XX/XX/XXXX * VNB PAID LOAN LETTER * WHAT CONSTITUTES A WRONGFUL REPOSSESSION ON-LINE DOCUMENT * RETAIL INSTALLMENT CONTRACT REMEDIES ON DEFAULT. IF THE VEHICLE IS REPOSSESSED I MAY HAVE A RIGHT TO REDEEM IT IN ACCORDANCE WITH APPLICABLE LAW.

* XXXX  REPORT DATED XX/XX/XXXX LISTING THE REPOSSESSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

NCB ( XXXX  XXXX XXXX XXXX ) was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on XX/XX/XXXX I NOTICED PENDING TRANSACIOTNS ON MY ACCOUNT THAT I DID NOT RECOGNIZE. I proceeded to report it to AMEX SERVE however I was told that nthere was nothing that they could do whikle the charge was still pending. On XX/XX/2021 i notified your organization ( American Express Serve, ect, ) of two charges that appeared on my account that I did not make. ( These charges and their specifics can be found in the attachments to this communication. Furthermore, in addition to not making the aforementioned charges I did not authorize, nor did I authorize another party, know of, or benefit in anyway from the transactions that were/ are in question. 

Despite the above facts, AMEX SERVE sent a communication to me on XX/XX/2021, indicating that they had investigated the matter and concluded that the transactions were infact authorized. Also, somewhat related to this issue ( but NOT THE SUBJECT OF THIS COMPLAINT. ) said organization sent me notice ( within moments of their email stating they completed their investigation on the unauthorized transaction. ) and this notice stated that my account was permanently suspended. No further information was given and subsequently I was locked from my account and other information. 


As prescribed by law, I have made demand on said organization for the materials that they used in their determination. All requests are not answered. Customer Service states that the account is permanently locked and they cant see or disclose anyhting I am not resposible nor am I suffering the lose for such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a purchase from XXXX XXXX for a XXXX XXXX bundle on XX/XX/XXXX. I spoke with an agent online to verify that XXXX XXXX would price match the item, and the agent confirmed that they would price match the sale as long as the order was placed 24 hours after XXXX XXXX was over. The sale price to be matched was from XXXX for XXXX for two controllers, the console and one game ( XXXX XXXX XXXX XXXX ). I placed the order and picked the item up on the XXXX. I did not receive a receipt for the item because the purchase was made online, according to the XXXX XXXX employee. I did not receive a receipt from XXXX XXXX online either, and they have been unable to provide me with a receipt. I checked my checking account information a few days later and noticed that I was charged {$470.00} on XX/XX/XXXX. I contacted Chase and informed them of the issue and they issued me a temporary credit. The issue was resolved until XX/XX/XXXX, when XXXX XXXX sent a receipt to Chase, and Chase recharged my card. I spoke with XXXX XXXX and requested an explanation and they informed me that they would not honor the price match because they have a new policy that they don't price match bundles ( which was not mentioned when I spoke to XXXX XXXX in XXXX ).  XXXX XXXX would also not match any part of the price because the item return/exchange date is XX/XX/XXXX, so they are unable to assist in any way. I have screenshots of the sale price and a transcript of the conversation with the agent that said they would indeed price match the item if I ordered it online. I can also provide the chat transcript, but I have that via email, not a picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed with Ally Financial numerous times that they show I owe them for 2 loans on my credit report. However, its actually the same loan being reported twice. I have submitted 3 disputes through the bureaus directly stating that they have a duplicate trade line but they respond that it is accurate. I do not owe them for 2 loans. It is severly impacting my credit because it shows that I have a higher debt ratio than I truly do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I purchased furniture and a dryer from Conns in XXXX Az. I was overcharged {$100.00} for the recliner. Conns is aware of the issue because they notified me. Ever since XX/XX/19 they say they will credit my account with XXXX XXXX and they have NOT done that. I was told it was sent to XXXX XXXX at the end of XXXX. We are now at XX/XX/XXXX and they credit has never been sent. Conns says check with XXXX XXXX and XXXX XXXX says they need it in writing from Conns and Im in the middle. I was OVERCHARGED by an inexperienced sales person. This needs corrected now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Consumer Portfolio Services, Inc.
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:
After noticing an entry on my credit report from Consumer Portfolio Services , Inc. ( CPS ), I disputed it. The dispute was sent to all three ( 3 ) credit bureaus, as well as CPS directly. I did not receive a response until after I filed a complaint with this agency ( please see their response attached ). I followed the instructions provided in their response which reads as follows : " ... If you still insist this is a matter identity theft, please file a police report with your local police department and send it to our Credit Report Response Team for investigation at Consumer Portfolio Services , Inc., Attn : Credit Report Response Team, XXXX. XXXX XXXX, XXXX, CA XXXX ... '' I sent another letter, with police report enclosed. I then received a vague response, not remedying the problem. I replied with another letter asking for clarity. More specifically, what outside of the police report they requested, do I need to have this entry removed. They did not reply. Therefore, I still lack the clarity necessary to remove this fraudulent entry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX - XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX - XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: I.C. System, 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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus is reporting inaccurate information on I C SYSTEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2022-04-25
Company: CCS Financial Services, 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:
My account was submitted for collections, I called collections company to have this issue resolved, while being XXXX XXXX XXXX XXXX XXXX. I paid the balance in full & the company said they can delete item from my credit fully, once they receive payment, so I proceeded & paid everything, no problem, They took the money & emailed me a receipt. Then I asked what about the deletion letter to all bureaus as promised, they are refusing to answer my question or calls & Now they are not honoring what was promised. I have never been late with this company ever. Just unfortunately was on a XXXX, where I couldnt receive my mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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:
I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and Equifax have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXXAccount NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation