BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Sunday XX/XX/2018, I had received notice from a XXXX XXXX   that it was new inquiry was added on my Equifax report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We bought a car that had some issues that was not disclosed. My wife contacted a lawyer here in Texas and come to find out if you find where the vehicle is advertised at a lower price that you paid the company can be made to pay you XXXX times the difference. We kept the vehicle in an enclosed storage waiting for them to come get it. We went to an arbitration with them. They agreed to take the vehicle back with us owing nothing. Also they paid us well over {$20000.00}. We call them due to bad credit report and they tell us dispute and we will not respond. Well guess what 7 years later it is still there being 7 years old should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: STERLING JEWELERS, INC.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Financial Data Systems
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: MSW Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called by capital accounts. I told the caller that the number he was calling did not belong to me and he did n't have permission to use it. He continued to tell me I needed to get back to the point of the call. I told him I would report the company and he said do what you want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They basically stole my XXXX dollars by freezing my acct. again when ever my dollar amt goes hi or higher they do this. this is the 2nd time they've done this! 

and the last time, to bottleneck aka ( keep for as long as they want ) was when i had XXXX and they did the same exact thing demanding a notary certificated that i am myself. 

so they already have1, so use that 1 to begin with or better yet stop criminally using excuses while trying to steal peoples money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.

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 2016-03-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Before I started, I would like to let you know that this is my first complaint and I'm not using any third party for this matter, I represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Please note, that account has been posted only by Transunion Credit Bureau, I have obtained my report from all XXXX Credit Bureau, XXXX and XXXX has removed this fraud account from my report, but Transunion keep posting and completely neglecting my rights. HOW THEY CAN saying to me VERIFIED OR VALID OR UPDATED WHILE OTHERS AFTER RECIVING MY PROOF OF STATMENT HAVE BEEN DELETED THAT ACCOUNT IMMEDIATELY.

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 2015-04-28
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My agreed amout to the credit agency was {$140.00}. I initially set up a payment plan for three payments of {$47.00}. I was able to make the full payment via the doctors office before my first payment came out. this was a week ago. I assumed they closed my account. A week after a payment was deducted from my account in the amount of {$47.00}. When i called demanding a refund, they changed the tune and said i owed {$190.00} instead and that extra was " maybe fees, interest etc ''. the initial {$140.00} consist of the {$110.00} that i owed my doctor and {$26.00} in fees that they charged XXXX i dont understand why i was changed {$76.00} in fees! this is insane. they refuse to give me a refund and no one has a proper explanation on why i was charged an additional {$47.00}. everything is recorded and i just want someone to get the phone records to see that these people are lying and deceitful. I would appreciate my refund. they should not run a busienss if they are all being dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Suntrust bank has intense and unrealistic sales goals and tactics. They go as far as calling people ( telemarketing ) but try to describe it as " customer opportunities. '' They are one of many banks with awful sales tactics and how they push them on their employees. They are also one of the banks opening false accounts and credit cards for their consumers without their knowledge

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 2015-04-02
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I added my sister onto my checking account because she was still in school, and I needed to send her money the easiest way. She ended up meeting some guy who told her about some way to make money on the side, all he needed was her debit card. He ended up depositing bad checks in the account at ATMs nowhere near where I lived, and the checks bounced after the withdrawals were made at ATMs nowhere near me, and the bank denied my dispute - placing me on XXXX. Now I can not bank anywhere for something I did not even do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hello CFPB, I applied online and was approved for a {$1000.00} loan from Big Picture Loans formerly known as Castle Payday on XXXX/XXXX/2016. 

At the time of accepting this loan, I agreed to what I believed was a one-time finance charge of {$350.00} to be included to the amount borrowed. 

I 'm not looking to get out of a legitimate owed debt, and had no problem paying what I believed was a one-time fee, but now realize I have been scammed, and in fear of losing thousands of dollars to these people. 

This was a precipitous fee but I agreed. What I was n't aware of, nor was it disclosed at the time of accepting the loan was that they are charging an outrageous 849.0116 % associated finance charge, and furthermore was not able to view the " Truth in Lending disclosure '' until after the loan had been processed, and the funds deposited to my account. 

They have been bleeding my banking account for month 's now in the tune of {$700.00} per month and are stating that I still owe thousands plus late fees to satisfy this original {$1000.00} loan. {$8000.00} for a {$1000.00} loan, @ 850 % Really!! 

These people are predators, and should be held accountable, and possibly sued to the fullest extent for continuing to use malicious tactics, and unfair lending practices. 

Please help, Sincerely : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt was disputed on XXXX/XXXX/16 via email. A response was not received for the dispute. 

Moreover, debt collector sent XXXX harassing emails within 2 hours. Debt collector first called my phone XXXX XX/XX/XXXX at XXXX from XXXX leaving a voicemail but sent no other correspondence. 
The debt collector has tried to make the communication sent on XXXX/XXXX/16 looks like it is a law firm and threatens to charge interest, late charges and other charges.

Company response to consumer: Closed with explanation