BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Dear Sir/Madam Let me put it in simple language. I paid a sum of money to receive a service that was not provided. Food and drinks were supposed to be provided in this 16 hour international flight and that did not happen. In simple language, this is a breach of contract. The terms of the contract were not met by XXXX XXXX. I demanded my money back. This is not rocket science. 

Few more things - I have been with AMEX for a while now and so far I have made regular payments at all times. Also I have recently made chunks of payment towards all my AMEX credit cards to bring all my balances down to {$0.00} except for the XXXX XXXX charge which is the only money that I havent paid yet and I am sorry to inform you that I wont pay this amount. I do not deserve to pay this amount because I did not receive the service. 

Amex has a responsibility towards its customers who are the end consumers in most cases. Consumer protection is the practice of safeguarding buyers of goods and services, and the public, against unfair practices in the marketplace. It is a shame to see AMEX supporting the merchant and not its customer. I cant force Amex to support me but my honest advice to Amex would be to start its collection proceedings in order to recover this XXXX XXXX charge from me. Also I would like to inform you that I am never going to use any of my AMEX cards ever again in my life. 

Thank you for the awesome service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly after being told I am trying to make my payments, I am currently paying for XXXX XXXX for my family and can not afford any additional costs, contacted my ex who I am separated from and gave them information on my account such as amount owed, when account was opened, past due amount and he can not even verify the last four of my social security number. they're also repeatedly calling my ex in laws as well

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-06-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter on XX/XX/XXXX asking XXXX XXXX XXXX to verify 2 items they are currently reporting on my credit report. One acct # XXXX for {$320.00}. Another acct # XXXX for {$480.00}. I only got an update to my report saying these items are verified. I have not received anything verifying this items.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, XX/XX/XXXX Institution Information : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-03-15
Company: Self Financial Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Asset Management Outsourcing, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied. 
This company is breaking the rules!!!! 

Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you. 
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I did a consolidated loan using Best Egg with an advertised interest rate of 8.13 %, but when the payments started Best Egg actually took 31.76 % interest and stated it was written in the contract as " daily charges. '' On XXXX XX/XX/2022, the first payment was made. The loan is supposed to have a set interest rate of 8.13 %, but the first payment indicated an actual interest rate of 31.76 %. 

{$110.00} ( interest ) / {$370.00} ( monthly payment ) = XXXX Fraud was committed. Best Egg advertises quick access to funds and low interest rates in large bold print. That low interest rate will be the first and only thing seen when you login ( I took screen shots ). Best Egg adds on daily charges that are not spoken about and does not match what they advertise. 

There were no wet signatures used. Everything was done online. The loan and contract are invalidated and need to be canceled due to breaking the contract, and false and surreptitious advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have contacted Chase to validate a debt that is being reported on my Credit Trade Line. XXXX XXXX XXXXXX/XX/XXXX # XXXX. This debt is over 7 years old, since XX/XX/XXXX, but continues to be reported and collections continue. In accordance with the provisions of the Federal and State Fair Debt Collection Practices Acts and the Federal Fair Credit Reporting Act, please consider this letter a formal dispute as to the inaccuracy of the item posted. 

FCRA 605 ( C ) running of reporting period states : ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ) charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the day of commencement of the delinquency which immediately proceeded the collection activity, charged to profit and loss or similar action. This debt originated XX/XX/XXXX, but continued collections XX/XX/XXXX and beyond. ACCORDING TO THE CONSENT ORDERFILE NO. XXXX Chase JP Morgan ; Chase BankCard Services continues to collect on this debt in violations of Sections 1036 ( a ) ( 1 ) and ( a ) ( 3 ) of the Consumer Financial Protection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. XXXX and TRANSUNION also reported " included in BK '' but last report date is XX/XX/XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
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:
In XXXX, I tried mail payments for the months of XXXX XXXX and XXXX and XX/XX/XXXX. I was forced to center in place with XXXX  restrictions and also had XXXX I would like these to be removed and have already asked the lender, receiving limited response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I settled this account in XX/XX/2018 and on my TransUnion and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

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 2020-03-26
Company: Premium Credit Bureau
State: NJ
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:
Premium CB appears on my credit report as a Hard Inquiry. I have never did business with this company and their is no mutual signed contract or agreement between us. I call this company and they inform me that a company that I hire in the past for credit repear ask them to pull up my credit. When I hire XXXX they never inform me they will run up my credit score, also I have to mention that in the same month that I hire this company I cancel my contract with them due the low and poor quality of service for my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjusters is trying to collect a debt for XXXX  XXXX  that is not owed to them. I never received anything in the mail from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone opened a credit card account using my name and Social Security number and made a large purchase.

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 2018-06-13
Company: JPMORGAN CHASE & CO.
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:
I have a " hard '' credit inquiry listed on my credit bureau credit reports that is too old and needs to be deleted. 

It is fromXX/XX/2016 and the name of the company is Chase Bank. 

This credit card inquiry is hurting my credit score and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AmerAssist A/R Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are trying to collect a debt that is my mother not mine. 

I have called them since XXXX to supply me the details for the debt and every month they state that they did n't get a response from the person they are collecting. 

The debt is co-payment for my mother drugs from a XXXX XXXX that missed billed her and I told them that they missed billed. 

I have the invoices that they are trying to collect it is clearly for my mother and nothing to do with me. I think if they ca n't show how this debt is mine after 60 days then they should know they are in the wrong. 

The woman from the collector told me that they do n't care and it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a Modification in XXXXXXXX XXXX XXXXXXXX. The interest rate is 4 % for the life of the loan. In XXXX they started charging me 5.125 % I called them 12 times now. Everyone agrees Im correct but they refuse to correct it. I stopped paying my mortgage in XXXXXXXX XXXX XXXXXXXX until they fixed it. Now they are sending threatening letters. I have the money to pay them, but 8 months was plenty of time to fix this. I have all the phone conversations recorded if you guys need them. I attached the modification, please see page 2 paragraph 2. I also attached a statement showing the illegal interest. They take no responsibility then threaten me. This is not right and they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I've removed this account before and it showed up again. I sent a dispute over a month ago and Equifax still confirmed it even though its not my account and they removed it before thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ceannate
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Garnishment Hearing Decision on XXXX XXXX, 2015, from the Department of Education, for my Student Loan Debt..They decided that I owed {$24000.00} for the outstanding principal and {$13000.00} in accrued interest. The Dept. said to call them to make " reasonable and affordable payment arrangements. " ( see attached documentation ) When I called the Dept. of Ed today, they referred me to a collection agency " FMS Investment Corporation ''. I called FMS and a man told me that I owe them " {$47000.00} ''. I pressed this man to answer where the extra {$10000.00} in debt came from, since the Dept. says I only owe {$37000.00}. The man said it was in penalty and collection fees. I told him I would get back to him after talking to Senator XXXX office, because something did n't sound right. XXXX XXXX in the Senator 's office referred me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent in a dispute on an entry on my  XXXX  and Transunion credit file that showed a Chapter  XXXX  bankruptcy. I asked the company to provide me with documentation for how they came up with this entry. I asked for validation of the entry.  XXXX  has not provided any such validation so I disputed it again. This time they wrote back saying that they would not investigate the matter anymore. This was printed on my credit report dated  XXXX   XXXX ,  2017 . The have not validated the entry nor have they provided any documentation supporting the validation of the entry yet they continue to knowingly inaccurately report the entry.  XXXX  has deleted the entry while the other  XXXX  credit reporting agencies continue to knowingly report false information.   According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information. This means that I have the right, by law, to dispu te any item on my credit report that I feel is not accurate. Also as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), they have 30 days to complete the investigation. When the credit reporting companies (  XXXX ,  XXXX , and Transunion ) do not prove the listing on the reports are accurate and provide validation in a time ly manner when requested, by law the entry in question must be deleted. By not doing so they are in violation of federal law which can be punishable by a fine of {$1000.00} per violation if taken to court.

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