BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: EOS Holdings, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have to say the date was a while back probably XXXX or 2019 when I had XXXX XXXX The problem was I closed my account with a XXXX  balance and a few months later they said I owe them a balance. I dont know why most cable companies charge a balance and say money is still owed when someone closes their account because he or she no longer needs it. But, I was getting these phone calls from a collection ( EOS ) saying I owe money to a cable company which later I paid. Its still showing on my credit report as in collections and open impacting my credit score. I tried one company XXXX XXXX XXXX to have it removed and to fix my credit report but they were just taken me around in circles telling me the same thing over and over again ; so, I canceled my service with them and went with someone else who has made progress with in a month. But EOS has my credit score hostage when I gain points that it drops back down and when I try to earn points by renting things and paying them off on time I do not receive any points what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took a student loan through American Education Services while I was going to college at XXXX XX/XX/XXXX-XX/XX/XXXX. The original loan balance was {$11000.00}. I started paying the loan in XX/XX/XXXX over 8 years ago and my current balance is still {$9200.00}. I have not missed a payment in 8 years. I receive notices several times a year that my monthly payment amount is changing though there is never an explanation as to why. I have called to request overpaying the principal each month in order to pay down the loan faster and that was denied. They said I would have to mail a separate check each month and that I could not adjust my auto-debit. I also have called to request consolidating this loan and have been told twice that it is not possible with the type of loan I have. 
I have XXXX other student loans ( some federal, some private ) that are all coming down nicely and set to end in the 10 year period originally defined. I feel that this company is gouging interest and unnecessarily extending the life of the loan. If I continue on this path I will pay more than double the original loan amount and it will take over 20 years. This is unacceptable to me considering all XXXX of my other loans do not work this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a single bill or notice of collection from Franklin Collection Services. I learned of it when I got a negative credit report notification. When I saw the collection on my credit report (the first I had heard of this bill, and in the middle of buying a house), i called them to inquire re: what company I owed money to. They told me it was XXXX. I then said thanks, I will contact them directly to sort out the situation, to which the woman on the phone said, "they won't talk to you about this bill. The only way to get this to go away is to pay us." To which I said, "well, I can't have this show up on my credit report because I'm in the middle of buying a house." She continued to reiterate that I had no choice but to pay them if I wanted to be able to close escrow on my house and that the company I owed money to wouldn't talk to me. This collection company had XXXX phone numbers listed on my account and according to the representative, they had been calling the primary number for the past month. I don't know where they got that phone number, because it is my parents' phone number, and I never give that number as a point of contact because calls there will not reach me. There is absolutely no record of this company trying to call the primary phone number she claims. They left XXXX voicemails. She admitted that they never even tried calling the XXXX number they had on file, which is my correct personal phone number. I hung up with Franklin Collection and called XXXX anyway. The whole situation is made even more ridiculous because I have a current account with XXXX, associated with my same name, telephone number, and Social Security number as the past account. In addition, I have been physically in the XXXX store, talking to an associate about my current account, multiple times during the past XXXX. I have also gotten multiple emails from XXXX regarding my current account. It is hard for me to believe that they could not contact me about this bill in any fashion other than sending a piece of paper to a very old address and then sending me on to a collection company. XXXX apologized about the situation and for not contacting me about the bill. I paid the amount owed (all of this for only $XXXX!) and they promised to contact the collection company to have them remove this from my credit report. The collection account was not in fact removed, and still shows up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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: Account information incorrect

Complaint:
I have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

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 2021-07-24
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom It May Concern, On XX/XX/XXXX I received a Debt Collection Bill from Aspire Credit Card. I immediately spoke to a Representative and both verbally requested a Cease & Desist of further contact and emailed them a Cease & Desist Letter. The Rep said that they would comply and would not seek any further contact with me. 

In XX/XX/XXXX I get another Debt Collection Bill and I once again call Aspire and speak to a Rep. 
They said that this was a mistake and it would NOT happen again. 

In May I get another bill from Aspire and once again I talk to a REP and they mention that the Cease & Desist Letter was in effect as of XX/XX/XXXX ( XXXXXXXX XXXX XXXX? ). They also mentioned even though they received a Cease & Desist Letter that they will NOT stop sending Bills because I owe them money. The CSR, is off shore not located in America. I ask to speak to a Supervisor and they told me, one is not available. 

XX/XX/XXXX I still am getting Bills from Aspire and I end up texting them instead of calling. Once again I get an apology and that's it. 

In XXXX I get another bill and I have had enough!!! 

Enclosed please find copies of my original Cease & Desist Letter along with gifs of XXXX & XXXX bills. 

I am legally disabled in the State of Texas. I collect XXXX. I am judgement proof from any money demand law suits. They will NEVER collect money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account to XXXX  telephone or XXXX  is not mine. I have made Multiples steps with transunion or XXXX  and do not want to remove it from the credit. When the account does not recognize it. 

THE ACCOUNT IS XXXX  TELEPHONE 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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.

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 2017-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The Bank of America used the collector agency XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to Bank of America notified, verified after his death. XXXX XXXX sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, 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 2021-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
My credit report shows a comment from lending point that states paid in full for less than agreed upon in my Experian credit report. The settlement agreement they signed states that they will only state paid in full on the credit report and that they will forgive the difference amount we agreed to settle with. I agreed to their terms and paid them the amount but after multiple attempts to get them to remove the comment they refuse to correct the statement. This has adversely affected my reporting status. Additionally they have a missed payment appearing when I missed NO payments. They claim that because the amount is less they can report this, but the payment was not LATE. It was on time and the account was supposed to be closed. This too is adversely affecting my credit. 

I want these items corrected AS AGREED UPON or I want my money refunded. Legal action needs to be taken against these predatory lenders at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: STERLING JEWELERS, INC.
State: KS
Product: Credit card
Issue: Delinquent account

Complaint:
I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
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 was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX acct # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX  # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} ( i never stayed in florida ) . 15

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Paypal Holdings, 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:
My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX  and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citizens bank account in XXXX. According to the bank 's policy, I should be rewarded with a {$400.00} bonus. But the bank only gave me a reward of a {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for the Chase Southwest Rapid Rewards credit card in XXXX, which has a {$69.00} annual fee. When I initially called Chase to ask about the terms, I got an impression that the annual fee was tied to my Southwest Rapid Rewards program, which would give me discounted flight prices. I used the card only a few times in XXXX and once in XXXX. I had not used the credit card for any purchase since XX/XX/XXXX, but had to keep this card active and paid the annual fee every year just to get the " member discount rate '' to fly Southwest, which was never true.

Recently I got charged again for the {$69.00} of annual membership fee, and I called Chase to find out what they really meant by the membership fee. The person who talked to me on the phone told me that the fee has nothing to do with the price of Southwest flights. I then asked her to consider refund me the annual fees that I paid for XXXX through XXXX because I had never used the credit card and had a misunderstanding about the fee. She said she could only remove the fee for XXXX and by paying the annual fee, I got XXXX Southwest points each time. However, it doesn't sound reasonable to pay {$69.00} just to get XXXX points. I feel being misled and these charges are not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was service released from XXXX to Select Portfolio Services ( SPS ) as of XXXX/XXXX/2015. When we received our initial statement from SPS, we noticed that the loan was setup incorrectly. We contacted SPS on XXXX/XXXX/2015 and advised them of the error. We generated and sent out a certified letter to SPS with the previous statement as to how the loan should be setup. On XXXX/XXXX/2015, we spoke to SPS and stated to them again the loan is still setup incorrectly. On XXXX/XXXX/2015 SPS called stating dispute being reviewed. On XXXX/XXXX/2015 SPS called again stating loan was setup correctly. We advised SPS that this is incorrect and to re-review the actual mortgage statements provided. On XXXX/XXXX/2015, we sent another certified letter to SPS in regards to the loan being setup incorrectly. We requested a payoff statement and payment history on XXXX/XXXX/2015 from SPS. We received the payoff statement and again it reflects the incorrect information. The only responses we have received from SPS is that they are in receipt of correspondence. Nothing in writing to our complaint or request of documentation. We are requesting assistance before we file a lawsuit against SPS in regards to our loan being setup incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: AR
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:
TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CIBC BANK USA
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I am a single mother of XXXX children, who works part time XXXX hrs per week, XXXX of my children have XXXX and receive SSI XXXX benifets from Social Security. This company garnished my checking account which was from my children 's benefits which was being used for them and to pay bills. They garnished {$2200.00}. On XX/XX/2017

Company response to consumer: Closed with explanation