BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2014, I took out a {$5000.00} personal loan with Cash Call, Inc. The terms of the loan are egregious and predatory. My annual percentage rate is 116 %. The cost of my loan, according to my contract is {$35000.00} and the total cost, if payments ( 84 ) are paid according to schedule, will be {$40000.00}. My monthly payments are {$480.00} ( with exception of my first payment which was {$640.00} ) and are debited from my checking account each month. After making payments on my loan for the past two years, I find that as little as XXXX cents a month has been applied to the principal amount of my loan. Currently, less that {$3.00} per month is applied toward each payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CASHCALL, INC.
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I acquired a Cash Call loan for a XXXX time in XXXX 2011. When I was diagnosed with a XXXX XXXX and off from work I tried to work with them on deferring the loan for a brief period while I recovered. They were not willing to work with me and forwarded my account to multiple collection agencies. I contacted Cash Call after receiving an offer from a XXXX party company working on their behalf to confirm that after paying off the loan all Cash Call adverse info would be removed from my credit profiles. Upon receiving confirmation from a Cash Call rep I paid the XXXX party collection company and received proof of payment and a letter stating the info would be removed. To date, the information has not been removed. I have attached correspondence from XXXX party agency, XXXX who collected my funds, proof of payment withdrawals made from my XXXX XXXX account, as well as the new collection company XXXX XXXX XXXX who refuses to believe I paid another company. 
My husband took out his own account and the legal documents the new company is reporting has both of our names listed on a judgment submission. I should not be associated with my husbands account, this may be the account being reported. If this is the case, it 's not even my account. They are holding me accountable for his bill when I have already paid my balance off. This is also unethical and I believe this does not fall under the Fair Credit Guidelines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm credit took out 3 charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to affirm notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of $ XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and Affirm identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from XXXX XXXX on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BARCLAYS BANK DELAWARE
State: MA
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:
I paid {$7200.00} for a XXXX  XXXX fee which included {$2100.00} for post operative care. 

I had the XXXX on XX/XX/22 and needed urgent post operative care on XX/XX/22. However the doctors phone was dead and his answering service was unable to reach him. The Doctor failed to have a back up doctor on call in case of his absence. 

Therefore, I had to seek post operative care at the emergency room and was billed by the emergency room accordingly. Therefore, I paid {$2100.00} upfront for post operative services the doctor did not provide and requested a chargeback on such amount. 

The Doctor is blowing smoke screens saying I signed the terms and conditions for the XXXX and accepted the risk of complications. I do not disagree, however these points were not the issue of my charge back. My chargeback is centered on the Doctor not providing timely and reasonable care to address such complications and failing to provide adequate post operative care which was paid for but not received. 

XXXX seem to have a difficult time understanding such.

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 2016-06-27
Company: National Credit Systems,Inc.
State: SC
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:
This charge is for my son 's lease on an apartment while he was in college. We hired an attorney to get him out of the lease because of proven mold issues and negligence. This lease was only signed by him at the time of termination. He indeed turned his key into the office but they are saying that he did not so they are charging him {$100.00}. I was a co-signer on the previous year lease but was not on this second year lease, that is how they have my information. This is direct retaliation for them having to terminate the lease agreement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX XXXX please investigate this matter and remove from 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 2022-04-20
Company: EQUIFAX, INC.
State: MD
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 with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me " it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Bank of America legitimately stole a XXXX single mothers savings!!

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
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: IN
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 need to remove an account from XXXX XXXX from my account. That was my ex-wife 's account, not mine. I have submitted numerous disputes with Experian but it never gets removed or updated, I have a letter from XXXX XXXX saying I am not on the account.

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 2020-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : 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, XXXX XXXX XXXX, XXXX 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 2016-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was applying for a XXXX XXXX XXXX Credit Card XXXX The promotion from the XXXX XXXX website and was for XXXX bonus miles after spending {$2500.00} on the card over the first three months. When I received the card, it said that I was only granted XXXX bonus miles. I had many conversations with Citibank and they told me to send a letter with the original offer so it would be resolved. I received a letter dated XX/XX/2022 that I was not eligible to receive the offer because " the offer to receive XXXX bonus miles was not solicited directly to '' me. Why would they be advertising the XXXX bonus miles all over the internet if it was only eligible to those that were directly solicited, that makes no sense and if that is the case, it is extremely deceptive marketing. I called Citibank on XX/XX/XXXX to resolve this and they directed me to the small print on the offer that reads, " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. This was the explanation, that since I wasn't directly solicited, this catch-all language meant that Citibank was able to change their offer to only XXXX bonus miles. This is not acceptable to me. I have excellent credit and there is no reason why I should not have received this widely promoted offer. Thank you for your help

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 2015-06-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: R & B Corporation of Virginia
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a dispute letter to this company to validate this debt that they say I owed. It is now 45 days no response and they continue to report it to the credit bureaus. This is fraud after I have notified them that accounts are in dispute. 
I reviewed my credit report and saw invalid debts reported by your company and as allowed under the Fair Debt Collection Practices Act ( FDCPA ) ; I am requesting that you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This relates to Fed Loan Servicing. First of all, NONE of their posted telephone numbers are working- when you call, it goes quiet ( no ring ), and they immediately hang up on you. It is outrageous. XXXX, XXXX. XXXX. 

I qualified for the XXXX and my loan was forgiven around XX/XX/2022. I had, in fact, made OVER 120 qualifying payments. Fed Loan told me I would be refunded the amount I have paid over the 120 payments ( ~ XXXX ). They have yet to send me my refund. I can not reach anyone at FedLoan for assistance. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Hillcrest Davidson & Associates
State: LA
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:
I had a collection account as a result of an account that I had with XXXX. I made a settlement payment to satisfy this debt and in agreeing to settle the debt I was told by the agent that upon receipt of my payment the debt would be totally removed from my credit reports. Even after paying this debt with Hillcrest Davidson and Associates in XXXX Texas the debt was again sold to another collect agency, XXXX. I contacted XXXX XXXX and spoke with an agent named XXXX, who informed me that I could pay half of the {$1600.00} bill and the bebt would be removed from my credit reports. I informed XXXX this debt was paid off with Hillcrest and Davidson, to which XXXX responded that Hillcrest was a fraud and unless I paid them the debt would remain on my credit reports. I then again contacted Hillcrest, who stated XXXX XXXX is a fraud and they provided me with a letter to verify the said debt was indeed satisfied. When I inquired about this unethical mishap/behavior, I was told by XXXX the account was sold to them about six months ago from XXXX, which is unfair and unethical, as the debt had been settled with the first agency, almost a year ago. After the debt was n't removed from my credit I contacted Hillcrest and Davidson as to why this debt had not been removed from my credit report. I informed them this is what I was told by the agent who set-up payment of this debt. After giving the agents name I was told he was fired because of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019,, Continuting Issues,, Yes I Did Received Some Response From Wells Fargo Bank, But Still Need A Lot More Work,, No I'm To Happy About theResponse i Received So I Think Through All Of This,, They Decline To Pay For Damages They Caused, Me And Family,, They Don't Care,, How Can Care About A Very Big Overrated Bank That ( Steals ) From Loyal Customers and Used ( Deceased Parents ) And Made Money off It, Does This Mean Anything,, U Tell Me? That Is Question? Yes I Do Think That I Should Be Considered For Some Type Of Damages,, Besides XXXX Knows The Truth,, He Do Have The Last Say!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Received current credit report from XXXX XX/XX/XXXX. 
Capital One Auto Finance Car Loan Paid off in XX/XX/XXXX, due to be removed XX/XX/XXXX, Now they have updated it to remain on my report until XX/XX/XXXX. i have attached document showing update. 
Law states that creditors can use 10 year rule because of bankruptcy. i have never filed Bankruptcy in my life. 
I called XXXX today XX/XX/XXXX and spoke to someone named XXXX. He said he did not know anything about it and could not do anything about anything and that there was not way for anyone to directly contact Investigative Department, not even he could do that. 
I called this number because it was on my XXXX Credit Report as an option for me to get help. I got no help when i called the number.

Company response to consumer: Closed with explanation