BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: Automated Collection Services, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. 

I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. 

As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. 
Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. 
Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. 

Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. 
From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2021 to XX/XX/2021. 
{$5400.00} I contacted the company many times regarding this problem. I spoke with seven or more people at kia motors finance company, I was given difference answers that did not correct the problem. My monthly payment is {$540.00}, I paid {$900.00} and {$750.00} in XX/XX/2021 and {$750.00} XXXX in XX/XX/2021 to XX/XX/2021. The balance of the {$750.00} was not applied to my principal. It was very difficult to speak to a representative due to the automated system and disconnect end call.. I am very stressed and frustrated with this matter. I need my payments to be applied to my account.

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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 been back and forth with credit bureaus and creditors about false accounts reporting on my credit. it has been getting in the way of many things. i have filed numerous reports with each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PHOENIX FINANCIAL XXXX HAS BEEN CALLING MY PHONE TO COLLECT A DEBT THAT I DO NOT OWE UNDER A NAME THAT IS NOT LINK TO ME NOR MY SOCIAL SECURITY NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE 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:
FRAUD ACCOUNT ON MY CONSUMER FILE. I AM REQUESTING DELETION. I SENT IN FTC REPORT AND COPY OF MY PA STATE ID.

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 2022-07-13
Company: Experian Information Solutions 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 have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail from chase bank that is attached to a bank account that I did not open. I have not opened a chase account recently at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company, I feel I must now use the Consumer Financial Protection Bureau to be sure I receive a prompt and well-documented response.

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 2020-10-06
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XX/XX/2020 I bought XXXX  via cash app. I was asked to add my ID to my profile to verify it was me using the account. I tried numerous of times to upload my info to the app but it kept giving me an error message that it could not read my ID. I looked into the steps again to make sure my photo was in good lighting etc. After doing those steps again, I continued to get this error message. I decided to contact support services on XX/XX/2020 I received an email for cash app support with employee names XXXX stated that I should upload my ID front and back and send it within the secure folder link that was sent with email. I did this and was told it will talk up to 10 days for a response. On XX/XX/XXXX I sent a follow up email to ask if they are going to respond to my request.. I have it another 3 days and sent the same email asking for an update. I did this about 2 more times and still have not gotten any response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Debit card was stolen and I filed a police report. Immediately, I reported this to BofA. They said they would send me a new debit card in 5 business days. I did not receive my new debit card in 5 business days and called to request it again. I asked for them to overnight the card to me and they said they could not. After a second time of requesting the card and not receiving it, I am filing this complaint. It should not take nearly a month to get a new debit card. This is total incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXXXXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) HAS VIOIATED 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 acoount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.

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 2015-09-09
Company: USCB, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient and XXXX XXXX have robbed my family and I blind of any future we have from my time at the XXXX XXXX. Not only did the school and the service provider lie about the loans we took out, and options we were offered and told to repay, we have substantial evidence the school has : - Double charged us and pocketed the money - Received kick backs of money in large checks that were never used for my education, but were charged for. 
- Tampering of student loan paper work - Withholding of information that proves their guilt after 5 years or non stop requests for info. 
- Consistent deflection of answers that question the proof of the amounts owed when proven wrong. 
- Computer errors that mix up my families co-signing, trying to continuously charge us double for loans we already paid in this mix up - Deliberately not sending correspondence to the right addresses, after being told multiple times of the changes. 
- Refusing to speak with my mother about her or my loans even though we share the loans, just to deflect questions, and to give us different answers to the each of us to cause confusion - Refusal to deal with the issue over double charges and new excuses every time they are asked about it. 
- No consolidation of loans when promised during school - Numbers that do n't match what Navient/XXXX XXXX says is owed from our paperwork - Consistent misdirection by giving us false addresses to send our paperwork too, and giving us false numbers to push us away from solving issues - Harassment of payments long paid and genuine rudeness when questioned - People refusing to help any further after errors were found to avoid being singled out from doing their job in error. 
- Blatent withholding of important paperwork for years of time passed that would incriminate them - Emails of them contradicting themselves and proof of misdirection in correspondence. 
- Years of conversations cataloged in their system trying to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: MD
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:
Equifax refuse to do a proper investigation. I have been disputing, fraudulent and inaccurate information on my report since XX/XX/2019. I went to purchase a home for my family and I, and was told my report had 9 different accounts but 4 looked like duplicates. I immediately sent Equifax a letter on XX/XX/2019. No response. I have filed numerous dispute requests and have not received a response. The accounts are still there which is a Violation of the FCRA. Equifax did not conduct a reasonable investigation of my dispute, And did not correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Late XXXX I purchased a XXXX  online at Best Buy and I chose next day pick up..I picked it up next day..Few days later I was charged for a second XXXX that was going to be mailed to my home, but the XXXX never came..I did not make that purchase..I mailed the credit card through the website and explained what happened and they took off the second charge..but a month later it was back on my account..Ive been messaging back and forth for 4 months now but I keep getting automated messages saying its been cleared up but it has not, the charge remains on my account

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 2021-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.

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 2021-03-24
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has failed to update my credit report, even though they were informed by XXXX XXXX that the hard inquiry XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to Experian.

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 2021-10-31
Company: EQUIFAX, INC.
State: MN
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors have reported inaccurate/unverifiable inquires to my report which is incorrect, and I am asking this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete these accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes Capital One, XXXX, and XXXX.

Company response to consumer: Closed with explanation