BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

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 2016-08-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I have had an AMEX card since 1980. I have never been late on payments before this last month whenI dismiss a {$100.00}. payment. I am now receiving 10 to 14 calls each day for the last 5 days ( Thur. thru Mon. - even on Sun. ) This amount of calls for an old customer with good history and for this amount of money is RIDICULOUS! It has truly upset myself and my wife who wants to now drop the card entirely, to which I agree, but I feel this type of undue harassment should be dealt with by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Applied Data Finance, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Initial request gave an incorrect interest rate. I am currently paying an unbelievable interest rate. My loan details are as follows : Account Type Installment Loan Original Annual Percentage Rate ( APR ) 98.90 % Original Term 72 Months Contract Date XX/XX/XXXX Current Maturity Date XX/XX/XXXX Current Interest Rate 93.50 % Current Payment Amount {$410.00} Current Payment Frequency Monthly Amount Financed {$5000.00} Outstanding Principal Balance {$4800.00} Accrued Interest {$510.00} Unpaid Fees {$270.00} Total Outstanding* {$5600.00} I have been paying for over a year on this loan and now owe more than what the original loan was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX  for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
X/X/17    - Re ceived notice to appear in court for a debt collection in the amount of {$14000.00} from Barclays Bank Delaware.       X/XX/17    - C hecked personal credit report confirming that debt was on my report and had been defaulted on.       X/XX/17    - Wrot e Barclays Bank Delaware letter informing that debt was not mine and requested validation of the debt under the " Fair Debt Collection Practices Act '' and the " Fair Credit Reporting Act ''. Requested proof of signature for debt.       X/XX/17    - Letter  was delivered via  USPS  certified mail and confirmation of pick up sent.     Date unknown - Received letter fro m Barclays Bank s tating debt was validated and enclosed a bill statement.       X/X/17    - Wrot e  Barclays Bank 2nd lett er again requesting written confirmation with signature of claimed debt.       X/XX/17    - Lett er was delivered vi a USPS ce rtified mail and confirmation of pick up sent.       X/XX/17    - Re ceived letter from Barclays Bank Delaware with enclosed application for debt . ( Noticed IP Address was i ncorrect and located in different city & state.       X/XX/17    - Receiv ed letter from  Barclays Bank that investigation is complete and debt confirmed. ( No acceptable evidence has yet to be s hown confirming the debt was accepted by me ).

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Accounts were paid off and still shows a balance. Also closed accounts that were paid are still showing delinquent

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 2015-11-06
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Navient Reference Number XXXX - Called from XXXX claiming to be formerly XXXX XXXX - Re Debtor XXXX XXXX. Navient claims I am a reference. XXXX XXXX also did previously and I asked to be removed. I have no contact with XXXX XXXX and I did not co-sign or provide a reference on any loan. I spoke to XXXX XXXX of Navient of XXXX XXXX, PA. Asked to be removed as a reference. He agreed to do so but refused to provide written confirmation. Written confirmation should be provided since my name remained on the file after XXXX XXXX allegedly removed it. Personally, I do n't even know if XXXX XXXX provided this information or there obtained my contact info in another way which may violate Federal Debt Collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Hameroff Law Group, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Copper state financial filed lawsuits against me for debts and amounts I have never owed to them. I have been going back and forth  with them since 2011. The information has been removed from my credit report because they are unable to show proof of my debt. They did however get a default judgement since I was unaware of a court date. The debt is false they just keep sending a paper with my signature that I signed after a debt collector told me if I did n't sign it I would be placed under arrest for theft. This paper was signed a year after the company claimed I owed them money, no original paper work has ever been provided with my name or signature. I was truly afraid I was going to jail and had 4-5 calls a day threaten ing me.

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 2020-03-24
Company: EQUIFAX, INC.
State: LA
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 have 3 credit files all with different social security numbers but similar names they keep merging all three files and any negative information removed is eventually returned back on the file. I have complained several times and nothing has been done to correct this issue. This has preventing me from being able to purchase a home. This has been going on for more than 3 years which now causing my credit score to be very low. I try and speak to a representative and they are very rude and say they will get back with me. I have sent in verification of my social security number and ID to prove who I am really is. But nothing is being done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been in the hospital, and just got out on the XX/XX/2020.  I was 2months payment behind {$1000.00} dollar 's. They claim that i have {$1100.00} In late fees and threatening to repossess my vehicle if I dont pay {$2600.00} by the XXXX. Or Else they will repossess my car. On XX/XX/XXXX. I told them i have other bills and that I had XXXX. Also I told them I could catch up on the 2 late payments not the excessive late fees. The company Consumer Portfolio Services. Also looking at my payments none of my money since XXXX is going to my principal. All to interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Navient Solutions, LLC.
State: TX
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:
Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: HOME BANCSHARES, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Some woman alleging to be XXXX called several times from a number in XXXX, TX ( XXXX ) XXXX. She alleges to work for Centennial Bank. She alleges to be calling regarding a dispute. The number from which XXXX calls is an unmanned mailbox and is directly routed to a switchboard notice. There is no extension provided. There is no last name provided. There is no operator to speak with. This is a fraud scheme carried out by Centennial Bank. They do not investigate disputes in compliance with federal law. Instead they knowingly engage in these scams with the intent of evading compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was fraudulent and never opened by me. It was removed once before and now purchased by XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: JPMORGAN CHASE & CO.
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:
My Chase credit card was overcharged for the amount of {$430.00} ( $ XXXX {$130.00} ) by Swiss airline on XX/XX/2019, i disputed these two transactions as i purchased a round trip flight ticket and i called the airline to reschedule my 2nd trip due to a health circumstances they inform me that my ticket is non refundable however i was informed by them before paying for this ticket that my ticket is refundable, i called chase credit card to dispute these two transactions they came back to me saying that my request has been denied because my ticket is not refundable, i requested an evidence because they never sent me any email, or any kind of correspondence demonstrating that my ticket is nonrefundable, all i received is an itinerary without any terms for my ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I opened an a credit account with  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A THIEF HAS OPENED A FRAUDULENT ACCOUNT FORM BANK OF AMERICA, NAD I NEED THIS CARD TO BE REMOVED FROM MY CREDIT REPORT. REVIEWING MY CREDIT REPORT, THIS IS A SECURED CREDIT CARD, THIS ACCOUNT WS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE, THE CHARGES ON THIS CREDIT CARD ARE FRAUDULENT AND SO IS THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THIS IS A FRAUDULENT 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 2022-08-04
Company: EQUIFAX, INC.
State: NC
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:
Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX  and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, Equifax, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX which stores checking and debit card info began attempting to withdraw money repeatedly from my Huntington account. I did not authorize this nor did I authorize them submitting it 3-4 times. 

I was charged a total of 10 {$37.00} returned item fees. I changed my debit card number and put a stop ACH on my account for this merchant, and yet they let them continue to try and empty my account without my permission and refused to refund me the TEN fees for one transaction which is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
TD Auto Finance accepted my Bill of Exchange tender payment on XX/XX/2022 and sent a congratulatory letter post dated for the XXXX stating my account was paid in full. Then I received a letter on XX/XX/2022 with no post date but dated XX/XX/2022 claiming that I submitted a tender fraud instrument. These words were abusive, deceptive, obscene and profane language in addition to harassing me with phone calls twice a day. One day I was happy and celebrating and now I am sad and being caused undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Loan Care service out of XXXX  XXXX, VA. around the end of XX/XX/XXXX. I was paying a biweekly payment so that I could pay down my mortgage earlier than the 30 year maturation date, which meant two payments in XXXX on the XXXX and XXXX. With the switch to the new company, I received paperwork that said the payments would be bumped to the XXXX and XXXX but no action was needed on my part. The XXXX past with nothing happening. I received an email from the company saying something about the original loan number being off and that the first payment would come out the XXXX. Nothing happened. I called on the XXXX to complain and figure it out, after sending an email that no one replied to. This company is almost impossible to get a hold of and requires hours on the phone of wait time to get a hold of the proper person. After a half hour on the line, the lady took all my information, reassured me that a payment would come out on the XXXX and then XXXX for XXXX and then would be every 2 weeks after that like before. Well, XXXX payment came out but none on the XXXX..Complete incompetence. I called Monday XX/XX/XXXX and waited hours to talk to someone - finally, I had no more of MY time to wait and had to go. I am still waiting for a resolution to this situation from this God awful company.

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