BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First off, I would like to state that I am a XXXX XXXX who is currently unemployed due to a layoff. On Friday, XXXX XXXX, 2017 ; to my knowledge, my account was at a XXXX balance. I made a conscious decision to overdraft my account to pay for parking ( D.C. Parking mainly accepts card transactions ) in order to attend my volunteer position. After I completed my duties, I decided to submit {$5.00} to pay for my parking in order to avoid any overdraft fees. At this moment, I realized that there were some fraudulent activities on my account which caused my account to go into a negative balance which also included SunTrust overdraft fees. Immediately after, I called the bank to inform them of this activity and notified them that I made a transaction prior to knowing what was taking place with my account. The bank then informed me that they would look into the fraudulent charges and assured me that I would not get any additional overdraft fees for my parking charge. After about 5 business days had passed ( the estimated time told to fix the fraudulent activity ), I called for a follow up. The bank then told me that I was misinformed and that I am liable to pay the fees. Thus, I complained again. SunTrust told me, since I was misinformed they needed to have their research team clarify the recording in order to lift their fees off of my account. As a result, the banks research findings found me liable and now, I have to pay {$5.00} plus {$72.00} in overdraft fees. I do not have a job, I am currently looking for one. I live off of financial aid to carry me throughout my academic career. I am a hard worker, an XXXX XXXX XXXX Please help me. I do n't think its fair that I must paying {$77.00} for a parking spot when I am actually devoting what little time and resources that I have to the 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 2022-04-06
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old medical bill still showing on my credit report.This is over 5 years old and by law should not be on my credit report anymore. This is a violation of my consumer rights and is preventing me from buying a home and I want it removed from all 3 credit bureaus immediately. 
Original creditor is XXXX XXXX {$50.00} Amsher Collection Services XXXX XXXX XXXX. XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX This bill is prior to 2014 and should not be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PDQ Services, Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
It has come to my attention that the credit collection company doing business as PDQ Services Inc located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX is in violation of my State of Pennsylvania Licensing Requirements for collection agency activity and is hereby breaking the law that protects my rights as a consumer. 

They have furnished a debt to XXXX and XXXX credit bureaus in the amount of {$18000.00} in which they claim I owe to PDQ Services. They mailed me a letter to my address requesting payment. I mailed a certified letter XX/XX/2022, to their address listed on my report which shows as PDQ Services Inc XXXX XXXX Ct XXXX XXXX XXXX GA XXXX requesting validation of this debt along with proper legal documentation showing that I am responsible for this debt they claim I owe. 
To date they have refused the accept the certified letter with signature verification for delivery. I contacted the post office and they stated it would be up to the partys discretion as to whether or not they wanted to sign for the letter, otherwise the letter would be returned to me. PDQ appears to be avoiding proper compliance by refusing to sign for my certified letter.

After further research of this company, I have proof they are in violation of Pennsylvania law and my rights as a Pennsylvania resident. The State of Pennsylvania law requires that in order for a collection agency to contact PA residents seeking collection of a debt they must first be bonded in the amount of at least {$5000.00}, have a background check and be licensed, none of which they have. I will attach these requirements to this complaint as well. 

Because they are breaking the law and violating my rights I'm requested the following resolution below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TD BANK US HOLDING COMPANY
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:
this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from XXXX credit reporting agencies thank you letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was for water filtration service that was not completed and under dispute. Moreover it was not in my name it was in my ex-husband 's name. The company XXXX  XXXX which is now owned by XXXX gave the collection to a collection agency depsite the fact that it was under dispute and not in my name. They added my name to the debt without any agreement or authorization from me. Morever they never responded to the substantive claims of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX  No. XXXX has 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Ocwen Financial Corporation
State: CA
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:
This all started back in XXXX. I have sent them over 17 documents in the past months and have sent they 9 more since then. They keep coming back to me with more an more updates. I'm almost done with them. They keep getting high interest from me every month. They will not even help me get my credit report activated again. I have sent them a letter requesting them to put me back on the credit reporting. And they have refused me. They have also said to me that they need clarification over and over again. This should have not taken 9 months to do. I have sent them month after month of Bank Statements. I need your help with this please! Thank you, 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 2022-08-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello : During XXXX of 2022 I noticed that my Experian Credit Score was no longer available. I then received a letter from a credit card company claiming I was deceased. After checking with the Social Security Administration and learning that there was no information leading to me being deceased while checking with FICO who also said they had nothing on me being deceased I later learned after speaking with Experian that XXXX XXXX XXXX is the credit card company responsible for claiming I was deceased. I never had a XXXX XXXX XXXX  credit card and told them this numerous times. 

XXXXXXXX XXXX XXXX should not be in the business of pronouncing someone dead when they are unable to retrieve debt. That's not the right way to go about the problem. I need XXXX XXXX  to make things right and report to Experian that I am alive and that the amount owed is XXXX. Nothing more. Nothing less. What they did was fraudulent and harmful to my credit report. Their privileges of reporting to credit reporting agencies and issuing credit cards should be terminated. 

Thank you. 

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 2020-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX See attatched Credit Reported by XXXX OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. XXXX CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. XXXX OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) MC end XXXX now deliquent 2 ) Visa XXXX ID THEFT case XXXX 3 ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Chase Visa credit card was used used for a fraudulent purchase an XXXX XXXX from XXXX. I received an unusual email from XXXX so I called Chase Visa to report the fraudulent transaction. Chase removed the charge and issued a new card. 

XX/XX/XXXX - I was checking my monthly statement and saw that the fraudulent charge from XXXX appeared again. I called the fraud department and requested an escalation of my case. I called the XXXX police department and filed a police report. I sent the police report the Chase Visa fraud department. 

XX/XX/XXXX- Chase responded saying that they checked with XXXX and they have determined that it was a valid charge. I told them emphatically that it was fraud and that I didn't do it. They didn't care and simply kept replying that it was a valid charge. 

XX/XX/XXXX ( approximately ) I spoke with XXXX XXXX department and XXXX explained abut the fraudulent charge. At the time they said there was nothing they could do except give me the order number and the location of the store XXXX store, XXXX Florida. 

I called the XXXX, FL police department and filed a police report. The detective called me and started an investigation. The detective contacted XXXX to obtain additional information on the transaction. The detective then submitted a subpoena to XXXX for the location of the device. 

I contacted Chase Visa again and informed them that I had additional information and I wanted to reinstate the investigation. I sent Chase Visa the police report form the XXXX police department. 

XX/XX/XXXX- Chase responded telling me they reviewed the information it had determined it was a valid charge. 

I did NOT make the purchase it was fraud and they are still making me pay the {$420.00} for the XXXX XXXX that I did NOT purchase. 

I have called the Chase Visa, XXXX, and 2 different police departments and I cant get this fixed. Please help me! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HOLLOWAY CREDIT SOLUTIONS CALLS CONSTANTLY FROM DIFFERENT NUMBERS PRETENDING TO BE SOMEONE ELSE AND HARASSING ME LEAVING RUDE VOICEMAILS RELENTLESSLY ALL TIMES OF DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan.

After I received the alert from XXXX  I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ). 

I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected. 

This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back.

When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back. 

One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit.

She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase.

Imagine that! 

When I disagreed with her, the line magically disconnected again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26
Company: AES/PHEAA
State: TN
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:
I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX has 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 a account without my written instructions.

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 2019-07-08
Company: Quality Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Quality Asset Recovery reported that owed three amounts {$980.00}, {$960.00} and {$940.00} for medical bills for XXXX XXXX XXXX service to the Credit Bureau that caused my credit score to drop. These bills have been paid.

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 2019-07-08
Company: LendKey Technologies, Inc.
State: SC
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:
In XXXX of XXXX, I consolidated my private student loan debt through XXXX XXXX. I believed that I was getting a low fixed rate loan that was better than the private loan I took out at XXXX XXXX XXXX without credit history. The consolidated loan amount was for {$23000.00}. After 5 years of automatic and on-time payments I was sent this message On Mon, XXXX XXXX, XXXX by LendKey : " This is an important message to let you know that as of XX/XX/XXXX, XXXX XXXX will no longer be the servicer of your student loans ( s ) referenced in the attached letter. Effective on that date, LendKey will take over the servicing of your private student loan ( s ). '' Then on Thu, XX/XX/XXXX I was informed of this : " We are writing to inform you that after reviewing your loan we determined that your monthly loan payments had not yet been recalculated to reflect the quarterly changes of your variable interest rate loan. As you are likely aware, your variable interest rate is based on the 3-month XXXX XXXX Offered Rate ( XXXX ) index. Since XXXX of XXXX, this index has increased by approximately 0.77 % to its current value of 1.38 % ( as of XX/XX/XXXX ). '' My loan amount has increased significantly each quarter, so I have made very aggressive payments. In fact, so aggressive that I am actually have set to have paid off my full loan balance ; however, LendKey has an 8 BUSINESS DAY payment policy so every time I submit a payment, it takes nearly 2 weeks to clear the payment, charging me nearly 2 weeks of interest at this high rate. When I call Lendkey to try to make payments, they can't even tell me my remaining loan balance while a previous payment is " processing. '' My car payments and mortgage and many other lenders seem to process payments next day. I believe this payment delay should be regulated as it's clearly intentional and hurting people like me. I don't know why my rate switched from fixed to variable when my loan servicer changed, but I do know that I shouldn't be charged interest for 2 weeks when my lender won't let me pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation