BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I AM WRITING ABOUT AN UNAUTHORIZED UNSIGNED FOR CHARGE TO MY CREDIT CARD WITH AMERICAN EXPRESS CARD # XXXX, MY NAME IS XXXX XXXX. THE REASON FOR THE COMPLAINT IS I RENTED A CAR FROM XXXX FOR THE TIME PERIOD XXXX FOR A WEEK THROUGH XXXX. I WAS DONE WITH THE CAR A DAY EARLY AND RETURNED IT ON XXXX, A DAY EARLY. WHEN I RETURNED THE CAR A FRIEND WAS THERE TO PICK ME UP, THE CLERK THOROUGHLY INSPECTED THE CAR INSIDE AND OUT, SAT IN THE DRIVERS SEAT AND SPENT A GREAT DEAL OF TIME INSPECTING ALL ELEMENTS OF THE CAR, THE CONDITION, INSIDE AND OUT. 
AFTER ABOUT 10 MINUTES HE SAIDTHE CAR WAS FINE, I WENT INSIDE AND COMPLETED THE FINAL PAPERWORK, THE CLERK WAS VERY AMIABLE AND SATISFIED WITH THE CONDITION OF THE CAR. I CHECKED OUT AND LEFT WITH MY FRIEND. MY FRIEND WITNESSED THE INSPECTION AND CAN CONFIRM WHAT TRANSPIRED. WE LEFT. WHEN I RECIEVED MY CREDIT CARD STATEMENT FOR XXXX IN XXXX, I NOTICED THAT THRIFTY HAD MADE AN ADDITIONAL CHARGE FOR {$250.00} ABOVE THE XXXX ORIGINAL RENTAL FEE. 
AND THERE WAS NO EXPLANATION, THE CHARGE FOR THE {$250.00} WAS DATED XXXX TWO DAYS AFTER THE VEHICLE RETURN. I DID NOT KNOW ABOUT THE CHARGE, WAS NEVER CONTACTED ABOUT THE CHARGE, OR SIGN OR AUTHORIZE FOR THE CHARGE OF AN ADDITIONAL {$250.00}. I NOTIFIED AMERICAN EXPRESS AND TO DATE HAVE ONLY RECIEVED AN OCCAISIONAL EMAIL STATING THAT IT IS STILL BEING INVESTIGATED, I HAVE CONTACTED CUSTOMER SERVICE SEVERAL TIMES AN AM ASSURED THAT THE CHARGE IS BEING INVESTIGATED, BUT THE CHARGE HAS NEVER BEEN REMOVED. I WOULD ASK FOR YOUR ASSISTANCE IN GETTING THIS CHARGE REMOVED, I HAVE NEVER BEEN NOTIFIED BY THRIFTY OF ANY REASON FOR THE CHARGE OR ANY DEFICIENCY, I AM VERY UPSET ABOUT THIS, AS THE CHARE WAS MADE TWO DAYS AFTER THE VEHICLE RETURN, THE CLERK THOROUGHLY INSPECTED THE CAR UPON RETURN, AND AS I RETURNED THE CAR A DAY EARLY IF THERE HAD BEEN A DISCREPANCY OF ANY KIND AND WAS NOTIFIED ABOUT IT I WOULD HAVE HAD A DAY TO CORRECT ANY DEFICIENCY. BUT WAS NEVER NOTIFIED AT ALL OF ANY PROBLEM WITH THE CAR UPON RETURN. SCRATCHING MY HEAD ABOUT THIS AS AM A SENIOR CITIZEN, AM RESPONSIBLE, AND DO NOT SMOKE OR DRINK OR CARRY ON ETC. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PH : XXXX EMAIL XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to stop a fraudulent electronic money transfer from my account to a scam artist. Bank of America would not stop or cancel the transfer despite it being still " in process ''. I sent the fraud perpetrator {$3300.00} on XX/XX/2021. The Fraud Department of Bank of America would only file a claim within their own institution and did not assist me in attempting to halt the transaction. They have yet to assist me in recouping the money.

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 monetary relief
Consumer complaint received 2021-06-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
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:
On XX/XX/2021, I sent a letter to Fifth Third Bank regarding an account that showed up on my credit report requesting validation of ownership and proof of the application. Post 30 days and Fifth Third has not responded. This account was opened without my knowledge or consent. They have failed to comply with the request as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Creditors Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received a bill from this health care provider. I am on medicaid and medicare and on XXXX. I have no co-pay.. This credit company has put XXXX accounts on my credit report in collections This is the source XXXX This is the Credit collection agency. 

CREDITORS COLLECTION/XXXX on my XXXX credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Collection Bureau of America Ltd.
State: TN
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:
XXXX XXXX in California has been on my report in collections for my refusal to pay charges that are not mine on a account I had with them when my husband and I where XXXX at XXXX XXXX. I had trouble with incorrect billing with them several times and decided to stop my services. The company picked up the equiptment and I thought all was good. Then I get a bill of charges that where still not correct for XXXX. I called them and they basicaly tried to extort money from me stating if I pay XXXX dollars for water usage they would remove the other charges that stated I never gave them the equiptment. I said absolutly not and filed a XXXX complaint. It was resolved yet the company still has been trying to collect for charges that where not valid I was called daily for years on my cell phone and told them I will not pay for charges that I did not make and gave them my attorneys number. I also never recieved anything by mail to prove any charges where valid or where or what they where trying to charge me for because the account was done with and paid and all items picked up. I have had this deleted from expirian yet it remains on the other XXXX major credit. I need to make sure the other XXXX will delete this as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Charlottesville Bureau of Credits, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have already submitted a complain against this company, however, it seems that parties involved are inept as the complaint concluded that they " could n't identify the company ''. So here is my attempt to humor your inabilities : Valley Credit Sevices XXXX XXXX XXXX XXXX, XXXX, OR XXXX Acc # XXXX As stated in my previous complaint, I was not rendered services by this company, I 've never dealt with them in my life, I certainly did n't do business with them, yet they claim that I owe them over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: PA
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:
I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: First Data Corporation
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have settled and/or paid off accounts and they continue to report long after the stature of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
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:
JP Morgan Chase Bank rejected my billing dispute against the merchant XXXX  due to services not rendered as agreed upon without inquiring about the details of the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my monthly payment to the credit card company on XXXX/XXXX/2016 through my bank checking! The next month they charged me {$25.00} for not paying my payment! I sent them the statement from my bank showing it went out to them! they credited my account and the next month they charged me again saying they never received my fax showing the proof! I even sent them the proof from my bank showing everything they asked for, they gradated my account again only to add it back in the next month saying they never received the information even though it was sent on there secure server! I just looked at my XXXX statement and low and behold its back on my statement again showing me they have done it again! They sent me an email again with a link to their private server and I have just finished send them the documents again! I thought you might want to look into your records to see if their doing this to other customers as well! In a related matter they ca n't seem to keep my address records straight, we was never receiving our bill in the mail and the always give a different excuse or another

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: CT
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 has not updated my account balance since my XXXX XXXX {$16000.00}

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 non-monetary relief
Consumer complaint received 2021-06-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account should be removed from report because it was opened in 2013. It's been past 7 years. The account has also been paid. The account is hindering me from obtaining housing, which is causing so much distress to my family. Please remove from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
Account XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX, is showing two missed or late payments, this is false i have provide a letter form the creditor stating this is false and should be showing never late.

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 2017-01-09
Company: SUNTRUST BANKS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and 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 2016-07-27
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I cosigned a college loan of my daughter 's in XX/XX/XXXX. The Lender was XXXX XXXX but it was assigned to National Collegiate for collections. 
My husband and I filed Chapter XXXX in XX/XX/XXXX and the court granted us a discharge in XX/XX/XXXX. When we filled, we were told that no college loans could not be included in a Chapter XXXX bankruptcy. Immediately after the our Chapter XXXX discharge, we filed for Chapter XXXX protection while we worked out a payment plan for IRS back taxes and and this college loan. We completed all Chapter XXXX payments in XX/XX/XXXX and were granted a discharge XX/XX/XXXX. 
The original college loan amount was {$30000.00}. Prior to the Chapter XXXX Bankruptcy we had paid {$9900.00}. The total of payments made to National Collegiate through the trustee were {$7300.00}. In total we have paid XXXX/National XXXX a total of {$17000.00}. 
It was our understanding when National Collegiate accepted the Chapter XXXX payment plan, successful completion of those payments would satisfy the loan. Now they want us to cover a " net charge off amount of {$26000.00} ''. Given this, what if anything do we rightfully and legally owe National Collegiate. 
National Collegiate has told our lawyer we were given until XX/XX/XXXX to respond to their demands, so this matter is of some urgency. Please let us know what rights we have in this case and recommended the next steps. 
Thank you very much for your time and we are so glad you exist. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Upon reviewing a copy of my credit report, I see an entry listing, such as I owe {$150.00} or my account was charged off {$150.00} in XXXX. The account number is 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 2021-06-18
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX was told by XXXX  XXXX XXXX that he was covered for a medical procedure by his healthcare provider XXXX. Relying on this information Mr. XXXX proceeded with a voluntary non-emergency procedure that he would not have undergone had he been told was not covered by insurance. 

Months after the procedure was completed he was surprised to receive a bill for the cost of procedure by XXXX  XXXX XXXX stating that his insurance did not cover the bill. Mr. XXXX reached out to XXXX to try and resolve the issue, but no response has come. 

Now Mr. XXXX has discovered that Grant Mercantile Agency has reported that he has not paid the XXXX XXXX XXXX  for his procedure, which is on his credit report. However, there is no judgment reflecting the accuracy of this amount etc. Furthermore, Mr. XXXX would never have undergone the procedure had XXXX  XXXX XXXX not mislead him into believing that his insurance would cover the procedure. 

In summary, XXXX XXXX XXXX should work with XXXX to get paid anything it is owed. It can not tell patients they are covered by insurance to induce them to get procedures, then bill them if they are not actually covered.

Company response to consumer: Closed with explanation