BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due. Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default for XXXX XXXX XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: SLM CORPORATION
State: NH
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:
Back in XXXX I co signed for a loan, and she did not pay so they came after me, they called my family members, called my employment, harassed my family members to no end, I was able to get into an agreement which I paid faithfully for 15 months, when that came to an end which when this all started in XXXX of XXXX or XXXX they informed me when I pay the payment for 1 year never late I could get released off the loan, which when I called they informed this was not correct, so again i paid a higher amount for 15 months and when that payment plan stopped, I called cause they raised the amount another XXXX  a  month, which I called and told them I couldn't do I am a single mom taking care of the house on my own, they didn't care again I told them you told me if I paid I could get released, nope can't do that. They never once bothered her or her family members so when this whole virus thing started I called for a forebance and was told NO only a month, but finance charges would continue, called back 3 weeks later and they finally allowed 3 months, but the finance charge of XXXX would continue. I refinanced my home to get out from under this bank, they are so rude, do not work with you at all I was hoping since I paid for almost 2.5 years being a cosigner they would take a reduced payment due to paying alot of finance charges, and they telling me I could get off the loan after paying 1 year, nope had to pay this in full they wouldn't knock off anything, when this all started with little over XXXX after all these months 2.5 years I owed over XXXX when i just paid this off. That is crazy.. This is so unfair to a cosigner they don't bother the signer, and are so rude. It ruined my credit and I should have just let them write if off but as a cosigner I did the right thing, there is just so much that Sallie Mae has done it is crazy they are allowed to beat people down that are standing up and doing the right thing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: SD
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 this creditor, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. In 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Navient Solutions, LLC.
State: TX
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:
I am interested in consolidating my FFELP student loans to take advantage of COVID relief and IDR Adjustment. My loan are currently in repaying under the IBR ( Income Based Repayment ) which is under the IDR plans. I have tried to contact both my of student loan servicers as well as the FSAIC ( Federal Student Aid Information Center ). I have been unable to get a definitive answer regarding my eligibility for the IDR adjustment to ensure that I will not lose the previous XXXX years of repayment that I have currently made. The articles I read said that I would need to consolidate into a Direct Loan before the IDR Adjustment which is estimated as XX/XX/2023. However, neither my servicers or the Department of Education are able to answer questions definitively regarding my ability to get credit for these previous payment towards forgiveness. Without knowing this, refinancing will cause me to lose the XXXX years of repayment. The student loan servicing and DOE information system is woefully unable to answer questions about their own programs and provide definitive answers to borrowers to better understand decisions that will cause significant harm to individuals if the wrong information is provided. I felt like I knew more about the IDR Adjustment than they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
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 provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, 2017 I received a notification from XXXX stating that my Best Buy credit card account was 30 days past due. When I contacted Best Buy they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. 

I then contacted customer service again and spoke with XXXX XXXX # XXXX XXXX and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. 

If Best Buy would have applied the payments as instructed then the account would be current.

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 2022-06-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account is a joint account with my mother. My mother recently had her identity stolen and the fraudsters were creating many new credit accounts and doing many transactions in other services. On XX/XX/XXXX, my personal savings account had withdrawal sand transfers totaling to XXXX dollars. Many XXXX dollar transactions were done through a ATM and some were taken out in the branch store which were XXXX and XXXX. Since my account is a joint account with my mother, the fraudster was able to go into Wells Fargo and create new saving/checking accounts and debit cards in her name, which later he was able to change all login information to online banking and made many transaction to transfer funds out of my account into the fraudsters account which was impersonating my mother to make it seem like it was " authorized ''. I have created many claims disputing all the transactions with wells fargo but they denied me and said that the transactions were " Authorized ''. They did not even look into more evidence regarding the transaction because the fraudster is using my mothers identity in order to make the transactions. It is very clear that fraud is happening with my accounts because there was almost no withdraws on these accounts for over 2 years, and our place of residence is nowhere near where all the transactions were done. All of the fraud was happening and done near XXXX, California. The fraudster also changed the online banking accounts email and phone number the day of when the fraud occurred which clearly indicates that malicious use is happening. Another detail is that the bank has the application of the new accounts that were made on XX/XX/XXXX in branch which shows the signature of the fraudster which clearly does not match the real signature. Lastly, I have filed a police report and my mother has made credit freezes on all credit Bureaus.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: SC
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:
need to remove my personal information that i dont want on my credit report.According to fair credit reporting act 12 usc 1681.I have the right to privacy.Also according to 15 usc 6802. no financial innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights

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 2022-06-17
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
received a correspondence from Discover dated XX/XX/2022, in reference to taking adverse action against my account attempting to explain why I was denied. Not only wasnt I put on notice of a reduction of the credit limit 45 DAYS prior pursuant 12 CFR 1026.9 ( c ) ( 2 ) ( vi ), I REJECT their offer of the new proposed credit line of {$11000.00} pursuant to 12 CFR 1026.9 ( h ). I in good faith exercised my right to extend credit as a consumer and a creditor and I was denied for no specific reason. Discover has clearly DISCRIMINATED against me pursuant to 15 USC 1691 ( a ) ( 3 ) with an alleged assumption that Im in a situation that affect my credit worthiness. The reason ( s ) provided were insufficient pursuant 12 CFR 1002.9 ( b ) ( 2 ) based on their decision to take adverse action from an obtained credit score at the time Discover obtained my information from XXXX. Discover also violated federal law and will be held civilly and criminally liable due to violating XXXX5 USC 1602 ( p ) for using my credit card ( as defined under 15 USC 1602 ( l ) ) with no apparent authority and I the cardholder and consumer received no benefit. Discover are now civilly and criminally liable under : 1. 15 USC 1611 2. 15 USC 1691e 3. 12 CFR 1002.16 4. 12 CFR 1026.1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CT
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:
After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: STATE FARM BANK, FSB
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IN
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 the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Recived a notice from Sessoms and Rogers PA ON THE BEHALF OF XXXX XXXX XXXX about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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 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 an 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