BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Equitable Acceptance Corp
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I received an email from XXXX XXXX XXXX  saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from XXXX where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXXand spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because Integra is using a third party collection agency Equitable Acceptance who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX I used mobile deposit to deposit a check reimbursing me for XXXX  expenses. As expected, I was informed it would take a few days to clear, which happened on XX/XX/XXXX. On XX/XX/XXXX I awoke to texts that automatic payments did not go through. Upon calling Chase, I was informed that my account was frozen due to depositing the check, and that it would take 7-10 business days to have access to any of my funds, not just the amount of the deposit. The supervisor at Chase told me all I could do is wait for the deposit to clear ( which according to my online account, already happened ). It should be noted that this was a check from another Chase customer, being deposited into another Chase account. When I asked why I received no notice about my account being frozen, the manager told me a notice had been mailed out, which I have yet to receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with CITI/AA Advantage Platinum Select Card where l had a balance of {$1000.00} last month. 

In XXXX billing statement I paid this balance in FULL - in the amount of {$1000.00}, and it appears on my XXXX billing statement. 

However, despite my FULL balance was paid on time, CITI charged me {$16.00} in " interest '' on some mysterious " balance '' of {$920.00}. 

I consider CITI Card practices as deception and unjust enrichment at my detriment and respectfully request for stop such unlawful interest charges.

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 2017-09-07
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
I rented a card in XXXX XXXX onXX/XX/XXXX toXX/XX/XXXX.
The rental card was foXXXX XXXX per week and we paid cash. They ask me for copy of the passport driver license and credit card to secured that I will return the car.
The car have break problems and returned 15 minutes later.
They did n't have a similar car and they gave me an upgrade for XXXX additionals.
To my surprise onXX/XX/XXXX i saw two credit card charges one for XXXX and another for XXXX. I call the Wells Fargo and told them that those charges were not authorized by me and hold payment until they investigate.
On Monday was another charge for XXXX and also told the bank that is fraud.
They are refusing the reverse those charges I ask them to contact the merchant and request an authorization from me and they are refusing.
The card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
So, I got loan forgiveness for my federal student loans through XXXX XXXX XXXX in XXXX of this year. I understand I am entitled to a refund of the payments I made during the Covid relief period. 

I had been making payments though my loan servicer, Ed Financial. XXXX XXXXXXXX XXXX has no record of those payments because they were not made to them, so they insist they can not refund the payments ( {$480.00} per month for two years ). They tell me Ed Financial must process the refund. But, Ed Financial says that since the loan was transferred to XXXX XXXXXXXX XXXX they will not process the refund. 

I have tried to call the Dept of Treasury, but they don't answer. Please, help me to find out who will process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Sierra Credit Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Complaining about Company : Sierra Credit http : //sierracredit.com/ Sierra Credit Corporation XXXX XXXX XXXX. 
XXXX This company repossessed my car XX/XX/2020 in the height of Covid19 quarantine. Im an uber driver and I lost my income since quarantine 2nd week of XXXX. 

I informed them thru email about just getting another job XX/XX/XXXX and will be receiving my first check on XX/XX/XXXX. 

Even with this communication, they still towed and repossessed my car. I dont know how much more excess fee on towing I will get. 

This company needs to be reviewed. 

Financing companies are extended loans by the Federal Government to cushion the financial status of small businesses during this unexpected epidemic recession. 

They are afforded extensions and interest perks by the Federal government, I wonder why they SQUEEZE their clients dry poor especially during this national emergency. 

I know Im not a perfect client and have been delayed in payments but these people, this company is SHREWD to be enjoying taxpayers money while they leave their clients poor by UNREASONABLY grabbing their hard earned assets. 

This company has no compassion for its consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2017-09-07
Company: Kashia Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My wages got garnished during Covid- very very hard time for me. I did not get summoned- I just saw the summons- It was given to a XXXX girl with XXXX XXXX  approx XXXX I have really XXXX  XXXX and XXXX  XXXX. I was never summoned. It is unbelievable they would would take just anyone 's word- they should ask for ID to make sure correct person is getting summoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Radius Global Solutions LLC
State: VA
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:
This company called me 4-5 times every day for collection I Believe my insurance pied off I explained that to other company that hold this amount And I think the other company the sale of the Collection to this company and its very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Ameritech Financial
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I payed a large fee up front to Ameritech Financial in XXXX of 2016 and have been paying {$99.00} a month since. There should have been no fee for this service. I am a single mother just off XXXX with a XXXX XXXX child. This money did not come easy to me. Also, all my payments ( around {$3000.00} ) should have gone towards my student loans. They did not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action

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 2017-09-07
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
It is impossible to fax or upload information for a FREE Freeze on my credit reports to the XXXX major bureaus without spending money. I am the victim of a crime and under the California laws it should be free for me to obtain a freeze on my Credit reports. I am uploading the police report with this complaint so that you can pass this information on to Experian, XXXX and XXXX. My credit is being destroyed by a gang of people in my town. My information was stolen by a youngster who I ministered to in my home. My social security number, copy of my drivers license, my bank account numbers, my will and all documents relating to my banking information was stolen from me including my health care information and credit cards. I submitted a police report # XXXX, but I can not afford to even mail this information to the credit bureaus right now. I need this freeze done right away. Why do n't they allow you to upload this to their web sites? I know they have the technology to do this. I want the FREE Freeze on all my credit bureau reports ASAP. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An XXXX check for XXXX was deposited by mobile phone on XX/XX/2018 and the bank put a hold on it until XX/XX/2018. The funds will be unavailable until then meanwhile the bank can use our funds with out paying interest on that amount. These funds are for reconstruction of the water damaged kitchen and are desperately needed.

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 2022-07-14
Company: EQUIFAX, INC.
State: TX
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:
In accordance the Fair Credit Report Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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Company response to consumer: Closed with explanation