BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-30
Company: Professional Finance Company, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: FL
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:
First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to Experian yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time

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 2021-08-09
Company: Experian Information Solutions Inc.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.

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 2015-08-26
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed my credit report and I see a collection SYND Office - XXXX General Hospital but no contact information a ZERO balance. The transaction was PAID and over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of American applied an excessive number of late fees in the amount of {$520.00}. They applied {$35.00} bank fee XXXX times to collect excessive fees. In addition, allows XXXX resubmit checks XXXX times to inflict as much damage to the consumer and allow Bank of America to apply excessive fees. The damage has been done because they have already taken my Social Security check with late fees. In addition, going forward I have to pay bills cover the {$520.00} that has been taken from my accounts. In addition, I have a family in XXXX while working XXXX causing my family undue harm.

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 2015-07-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
In fall of XXXX I accepted a XXXX interest balance transfer offer from Chase bank on XXXX XXXX credit card. There was also a PREPAYMENT FEE. 
There were multiple late billing statements and some never received. When I attempted to get resolution on this by contacting customer service in summer and early fall of XXXX, no apparent credit was given for at least XXXX late fees, even when billing statements were not received. 
Some billing statements continued to be missing thru fall and holiday season of XXXX, and when I finally became aware that billings had not been delivered, I attempted to payoff loan in XXXX XXXX, minus around {$180.00} in disputed interest charges. 
As I continued to dispute interest charges, I was told that no department or individuals existed in Chase Bank System to deal with this issue, other than regular customer service staff and supervisors. This past week however I was told that " escalation '' units and individuals did exist. 
Multiple contacts over this issue with customer service, also experienced rude, hostile supervisor representatives, who often seemed to give lectures on how I as the customer was fully responsible for additional charges and late fees ; even when billing statements were consistently absent or weeks late. 
Ironically, monthly offers for additional balance transfers consistently arrived in the mail. 
Ultimately, my credit rating has dropped over the past 6 months, many documentable hours have been spent in often hostile conversation with customer service reps., some late fees have been removed after at least two months of existence on billing statement, but no attempt has been made by Chase to deal with Disputed interest charges ; by adjudication or any process accept to lay full responsibility on me. 
Finally, the current billing statement seen online indicates around {$240.00} due, while yesterday I was assured by a customer service supervisor, that all " late fees '' have now been removed, and all that actually exists as due is around {$180.00} ; which is the amount of the originally disputed interest charge of 14 ( plus ) percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Santander USA is reporting to the 3 major credit bureaus that I opened an account with the XX/XX/2013. They are claiming I had a balance of {$16000.00}. This information is FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
As previously stated to Experian, I am a victim of identity theft. Experian responded that authorization is needed because I am a third party. 
I XXXX XXXX give Experian authorization to proceed with my complaint of identity theft. I am a person putting my on complaint in not a third party of 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
the company is reporting that i owe this company when i was a victim of identity theft and this company knew of that remove and block this from my report im am tired of being harassed and i am a victim please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX is reporting a balance of {$810.00} open XX/XX/XXXX. I have filed disputes as recently as XX/XX/XXXX showing that this is not my account and the information is inaccurate but XXXX XXXX has added this account back on my credit report fraudulently. I would like to report them for fraudulently reporting and harassment as I have been asked to be contacted via mail so that I have written responses.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously notified Transunion that I am a victim of identity theft

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 2015-05-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
i opened a business credit card with american express and i was suppose to get XXXX points after i spent XXXX $ in XXXX months but after i spent the amount in first XXXX months they said they can not issue the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called early XX/XX/2017 to Chase Mortgage. Approximately around the eighth of the month. I had some concerns about the balance of my escrow. I was told that escrow was being reran and I would have it in 7-10 days. I did not receive it so, I contacted Chase. I spoke to XXXX the supervisor of the department, due to the rudeness of the original representative. XXXX told me '' I was not entitled to escrow only in XX/XX/2017 '', despite my concerns with my shortage. She refused to allow me to speak to her supervisor prompting this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Affirm Holdings, Inc
State: PA
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am currently in bankruptcy proceedings case no XXXX and unbelievably TD Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told TD Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the TD Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking TD bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The auto was repossessed XX/XX/2015 the payment history is inaccurate I didnt have possession of the vehicle and their are missing monthly account balances in report! They are charging late fees for 2 years and storage and showing payments made as late for the two years they are charging fees for and missing payments information inaccurate dates of sale and payment information! Date of first reported is different on every report and date of charge off is different than new report dates! Missing payment information and inaccurate payment information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.

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 2021-08-08
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 information incorrect

Complaint:
Equifax alone of the credit reporting bureaus has consistently committed errors demonstrating gross incompetence bordering on criminal negligence. My Equifax credit score dropped 20 points overnight because their system reverted back to credit card balances of 3 months ago rather than updating to the current much lowed balances on said three credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CL Holdings LLC
State: MD
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:
Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had student loans from the 1990 's. I believe I was steered into costly forbearances, instead of income based repayment plans. I have been denied loan forgiveness, despite having worked for the XXXX XXXX for 14 years. Additionally, please find the uploaded document about money taken by Sallie Mae, Navient, XXXX. Despite having paid $ XXXX ( approximately ), I have had {$0.00} applied to the principal. My loans have now been passed off to XXXX to the tune of {$220000.00}.

Company response to consumer: Closed with explanation