BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: CL Holdings LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX my husband and I were offered private student loans through XXXX XXXX in which would borrowed approx. {$70000.00}. My husband was injured on the job and became XXXX  XXXX. In XXXX, when the loans came due we used forbearance as our only option due to our financial situation. Around XXXX, We were informed through the mail that XXXX XXXX XXXX XXXX purchased the private student loan debt in which they aggressive sought repayment by filing for a judgement against us. They were informed through the court system that my husband was XXXX  XXXX and they still pursued the judgement. They also claimed that the debt we owed was well over {$200000.00}. Making any form of payment more than what my husband and I could afford. I found out XXXX XXXX XXXX had my bank account information and I was afraid of them freezing my accounts which would make it impossible to take care of our children therefore we are paying the loan through the watchful eye of Chapter XXXX bankruptcy. Do not take out private students loans! If you become XXXX the debt collection agencies do not care and will aggressively pursue you in court and ruin your life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
in XXXX of 2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with Experian twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.

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: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a notification on my XXXX XXXXXXXX that there was a derogatory account with Sentry Credit Inc which was reported on XX/XX/XXXX for the amount of XXXX. I've called sentry Inc at XXXX XXXX XXXX multiple times and they just keep going in circles without giving me a solution. 
The creditor is XXXX XXXX  XXXX where I use to live with my parents back in XX/XX/XXXX. I ended up going to the office to let them know I needed to get out of the lease since I was going to attend college in XXXX. I have the copy of the lease agreement stating it. I went to the apartments but unfortunately the property was sold so they couldn't help me. They took 3 years to report it until XXXX of this year and I wasnt able to fix it right away since I had given birth in XX/XX/XXXX. I really need this to get off my credit score since now I have a family and Im trying to apply for an apartment and unfortunately Im not able to since its has a huge impact on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
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: Old information reappears or never goes away

Complaint:
There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.

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 2020-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In XXXX this year I went from leasing my XXXX XXXX XXXX to purchasing it. With the help of a car dealer I obtained a loan to purchase the car. 

I'm trying to understand why the car dealer, XXXX XXXX XXXX XXXX XXXX ( XXXX ), took over 1 month to pay out Chase Auto Finance at the end of my lease. This final late payment caused severe damage to my credit rating. 

Below I've detailed the chronology of events in XXXX and XXXX this year. I have documentation to confirm each event. I believe that I need XXXX to admit fault for paying Chase 's auto lease department over 30 days late for the final payment on my lease, causing me to lose 159 points on my FICO credit rating. 

Chronology of Events : My lease with XXXX expired on XX/XX/XXXX On Saturday XX/XX/XXXX, 2 weeks before the expiration, I paid a {$3000.00} down payment for purchasing the XXXX. XXXX told me that I would get financing without any issue. 

During the week of XX/XX/XXXX I was contacted by XXXX and told that I needed to make the down payment by check and that the credit card down payment would be returned. This was frustrating because I had to drive back to XXXX and submit the check. I did this on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX informed me that he needed to switch lenders. We switched to XXXX. 
On XX/XX/XXXX XXXX confirmed that the loan had been accepted by XXXX. 

OnXX/XX/XXXX, 49 days after my initial {$3000.00} down payment, XXXX finally made the last payment to Chase to close out the lease. This payment was due on XX/XX/XXXX ( I believe ). XXXX also paid a late fee which was not passed on to me. XXXX paid the following amounts : {$21000.00} & {$700.00} and the late fee. 

As a result of these late payments my credit score plummeted from XXXX to XXXX. ( The timing is awful because I'm trying to get a mortgage for a house ) Thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2020 I informed XXXX XXXX, XXXX that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from XXXX dated XXXX. 

We want XXXX to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The 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 2017-03-28
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX OPENED AN ACCOUNT XXXX Saying it was necessary to put in my personal numbers to my cell phone this phone number ending in XXXX was never used there 's not a single call placed upon that nor did I sign any contract allowing them to charge me for this account which should never of been left open. they are attempting to charge me for a service I did not order did not approve and did not use and did not sign for Collection amount with XXXX approximately {$180.00} please call for additional information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Innovis
State: GA
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:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company started calling on XX/XX/XXXX. It is a robocall. I called the number to inform them that this is a business line, but the representative hung up. The company continues to call almost daily and will not say the name of the person they are trying to reach. This is a business line and I don't owe any debt so I know they are not trying to reach me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-08-05
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a phone call from XXXX XXXX I was told that I owe them {$37.00} well luckily I think the call dropped. So I called the number back and it wouldnt go through. So I contacted customer service at XXXX and they said we never call you in regards to a bill we will text you. So then I got a bit worried I kept getting the same phone call and I said XXXX XXXX Call me. So then I got a call from a collection agencyCalled AFNI And they are telling me that I owe them {$37.00} on behalf of XXXX. XXXX like what the heck I have repeatedly and I mean repeatedly dozens of times called XXXX to make sure that I dont have a {$37.00} bill I had just paid {$620.00} I really wouldnt give a XXXX about {$37.00} bill. So they keep calling me and then I get a bill saying that Ive been sent to collections I dont even know what to say I dont know what to do I am at the mercy of these criminals and I just dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
In XX/XX/XXXX, I applied for American Express XXXX XXXX  credit card with the promotional offer of spending US {$1000.00} within the first 3 months of membership and receiving XXXX XXXX reward points. 

And In XXXX, I spent US {$2000.00}, in XXXX, I spent {$810.00}, far exceeded the requirement for the signup bonus, yet American Express denied my bonus claiming they have the ultimate say in bonus eligibility and they " decided '' that my intention was to get the sign up bonus and not use the card. 

In XXXX, I also applied for and got approved American Express XXXX EveryDay card with the condition of spending {$1000.00} within first 3 moths of account opening and receiving US {$100.00} bonus. By XX/XX/XXXX, I have spent {$1300.00} on the card, again, American Express denied my sign up bonus. 

I have been using American Express credit card with an annual fee constantly since XXXX, and I have been had a bank account with them since around the same time and that has been my main account. For American Express to claim I have not been giving them business in the past simply does not reflect the truth. 

I don't have a problem with what American Express said they can decide whether someone is eligible for the sign up bonus or not, but I have a HUGE problem with American Express not making that fact that an application is not eligible for sign up bonus clear in the application process, basically what happened was one party ( American Express ) silently altered the contract that without informing the consumer, and this is FRAUD. From other user group discussion, this happens to a lot of users too. American Express claims during the application process, there may have been a pop up window telling the user that they may not be eligible for the sign up bonus and if they wish to continue with the application. In both of my cases, that never happened. And if that indeed happened, I demand the evidence of user ( me ) clicking Yes to continue my application on the form that informs me that I would not be eligible for sign up bonus.

Also instead of making this critical step a mandatory user input in their online application process, the choice of using a pop up window is very dubious as American Express must be aware that lots of browser block pop up by default. This is at best gross negligence and possibly intended for it to be blocked. 

It is for this reason, I urge you to look into this predatory practice : by claiming the ultimate authority on deciding the bonus eligibility, by making the part that informs user their ineligibility obscure, then combined with advertising to the consumers with promotional offers, American Express has fraudulently profited consumers taking up on their advertised offer then deny what's promised. This is totally unfair and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX around XXXX PST, two fraudulent attempts in Washington were made on my account ( one through XXXX XXXX which notified my phone via the bank app ; Chime Bank did not process these charges due to insufficient funds. I reached out to Chime support immediately via the app to have my account and card locked which did not happen. Chime support has admitted this failure on their part but still refuses to approve my dispute claim for the following event. 

I live in XXXX XXXX, California and on XX/XX/2022 at XXXX PST a charge to XXXX for {$140.00} was processed on my account that I did not approve, request, or process. This charge is unapproved. I immediately disputed the charge through Chime support however they refuse to approve my dispute as they believe this charge is not fraudulent ; which is false. 

I have spent a month going back and forth with Chime and XXXX to get all of the details of this case. 

I submitted a missing payment report and a fraudulent payment report to XXXX  however their system and support teams can not locate the charge or my bank information in their system. XXXX is unable to locate the charge of {$140.00} and therefore can not reverse the money. They recommend that I reach out to Chime to have the charge disputed. 

It is now XX/XX/2022 and Chime Bank still refuses to approve my dispute request in the amount of {$140.00} for a fraudulent charge that occurred XX/XX/XXXX. I have called their bank 7 times and spoken with 15 chime support agents who could not assist me. I have sent 8 emails to the Chime support team to rebuttal my case in an attempt to have my request approved. It is now a month later and my funds are still being withheld by Chime whose dispute team has not provided clarity on what information they need to approve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX, XXXX, I pulled my credit report and found an account I was not familiar with that was in collections with a company named XXXX XXXX XXXX. It stated that it was a closed credit card account and the original creditor was HSBC. On XXXX XXXX, XXXX, I sent a request for debt validation to both XXXX XXXX XXXX and HSBC regarding this account. XXXX responded on XXXX XXXX, XXXX, stating they could not validate the debt and would instruct the credit reporting agencies to remove the XXXX account from my credit report. HSBC never responded. In XXXX, XXXX, the credit entry by XXXX was not removed, the creditor name was changed to HSBC and noted as a Charge Off. In XXXX, XXXX, I filed a police report for identity theft with the XXXX County Florida Sheriff 's department regarding this account. I supplied this report to the credit reporting agencies XXXX, XXXX and XXXX in a formal dispute of this account. XXXX and XXXX removed HSBC from my credit report after fulfilling their own dispute validation processes. XXXX continues to report HSBC on my credit report and states it has validated the debt each time I have disputed it with them. On XXXX XXXX, XXXX, both HSBC and XXXX were sent letters from me. The HSBC letter was a second debt validation request and it included copies of the first request sent to them, XXXX XXXX XXXX response and the identity theft police report filed in XXXX, XXXX. XXXX included the same copies, with a letter requesting a full investigation of the debt. Nine days after XXXX opened the formal investigation, the closed it stating the debt was validated. Meanwhile, as of XXXX XXXX, XXXX, HSBC still has not provided the validation I requested. This account is not mine and I am struggling with the creditor and XXXX to properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: UMB FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to transfer the funds of my XXXX to another firm. UMB Bank has had the necessary forms since XX/XX/2021 and still has not processes the transfer request. I call on XX/XX/XXXX and and agent assured me that the check had been sent and to wait. 

I continue to wait as the agent instructed and call the new financial institution which states that nothing has been received. I call UMB back on XX/XX/XXXX and the agent tells me that no check has been sent but that they confirmed that the transfer request was received.

UMB then informs me the following day that I need to find account closure forms on my participant portal, however my account is administered by XXXX  so I don't have a portal with UMB.

It would appear that UMB is intentionally obstructing my ability to close/transfer my account despite official documentation of the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation