BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Capio Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you for three accounts ASSET CARE LLC Account # XXXX Amount {$180.00}, {$140.00}, {$580.00}. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( Asset Care LLC ). Please validate that this debt belongs to me and please also show me the original contract. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX Received a package from Amazon that I did not order. Had a gift message from my husband- He did not order and did not send anything as a gift. Received email from Amazon confirming the order and delivery. 
Look online at Amazon account and saw the order was placed with a credit card I do not have and did not apply for- Visa ending in XXXX expiring on XX/XX/XXXX. 
Contacted Amazon to report the delivery. They put a 24 hour freeze on our account and assigned the case to be investigated. The only thing they were able to tell me is the Visa card was added to my account XXXX the same day the order was placed. 
Contacted Visa at XXXX and could not get any information about the card issuer. Was only given instruction on how to protect your identity- file police report, contact credit reporting agencies, ask for fraud alerts. 

I did not apply for a Visa card and believe it was fraudualantly opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: ACS Education Services
State: SD
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:
ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: AES/PHEAA
State: MA
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:
FedLoan Servicing is not honoring the Department of Education 's waiver for the XXXX XXXX XXXX XXXX program. I currently qualify for forgiveness on my student loans but FedLoans is not processing my application. If I call, I am given misinformation based on pre-waiver guidance. I have spent hours on hold only to reach a representative that tells me to continuously submit employer certification forms. All of my loans are currently eligible for forgiveness. I had to fight FedLoans to restore payments from XXXX - XXXX for over 5 years ; I requested manual review of my account and restoration of payments beginning in XXXX. My account was not reviewed and the missing payments were not restored until the Massachusetts XXXX settlement with FedLoans, which occurred in XXXX. 5 years of calls, emails, inquiries, to restore 18 months of missing payments. The ongoing struggle of fighting this predatory servicer has taken a toll on my quality of life. I have filed complaints with the Massachusetts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now with your office. When I called today, I was told it will take 6 months to process my account. Such lengthy timelines are unnecessary and unacceptable. Many people are losing hope in this process, once again. The waiver made XXXX worse, not easier, for many borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NJ
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 XXXX Mortgage 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 2020-01-08
Company: AGN Auto Gallery Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was late on my payment and got threatening, XXXX, and degrading voicemails from the owner of the auto lot. The owner has threatened me on my voicemail on numerous occasions and have threatened to have me falsely arrested. Unfortunately, I am a young XXXX male and him calling the police on me could be catastrophic in the world we live in. He continued to refer to other past customers that he has had arrested  and has threatened to tack on thousands of dollars if I did not show him my odometer to verify that I wasn't driving a lot of miles. 

I was left threatening messages on XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( XXXX and XXXX ), and XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I have recordings. I also have a number of messages from previous months. The owner has referred to me as " XXXX  '' in a XXXX connotation and has also referenced " Obama '' and getting things for free in the voicemails in a XXXX connotation. 

His salesman sent me a text message citing verbal abuse, inappropriate behavior on the job, verbal harassment, offensive language towards employees and customers, and drinking on the job as his reasons for resigning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, XXXX  and Transunion credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and XXXX  Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, Transunion, XXXX, Navient and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED

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 2020-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Problem with fraud alert and not reinvestigation results I sent Equifax a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, XXXX, Equifax must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 
I sent a copy of all three credit reports to XXXX, XXXX, Equifax showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Equifax received my valid proof of information. I received a letter with no answer at my dispute, XXXX XXXX and XXXX accounts are still reporting and a fraud alert has been placed on my account. 

So, the company did not fully investigate my disputes and yet add a fraud alert to my account, which I did not consent too. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get this company to validate the debt since XX/XX/2019 and they still have not validated or removed this from my credit report they have sent a bill and a letter stating that the debt is validated and I have asked for the investigation results and nothing they want validate the debt and want remove it from my credit report so I am asking either you validate the debt or remove it from my credit report but this company is not validating the debt but just letting it sit on my credit report as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email from Citi Bank on XX/XX/XXXX advertising that if I open a checking account and deposit {$15000.00} for 60 days I would receive a {$400.00} cash bonus. The full terms and conditions can be found at this link XXXX XXXX   XXXX? XXXX I opened and funded ( {$15000.00} ) an account with Citi on XX/XX/XXXX. I called Citi shortly after and confirmed that my account was in good standing to receive my cash bonus. Shortly after XX/XX/XXXX I called and confirmed that I had met the requirements to receive my {$400.00} cash. I was instructed that now that I have met that requirement, I could withdraw money from the account. On XX/XX/XXXX, I withdrew {$5000.00}. 

Today, XX/XX/XXXX, I called Citi 3 times and each representative has hung up on me. The last representative that I spoke to, XXXX # XXXX, instructed me that the promo code attached to the account matched the promo code from my email ( and the link above ) but the terms of conditions were completely different. That I had to pay a bill two months in order to receive a gift card or " thank you points ''. None, of which are mentioned in the original promo email. 

According to the original promotional email ( or link above ), I am owed a {$400.00} cash bonus deposit from Citi.

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: Experian Information Solutions Inc.
State: TN
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 have requested several time for written proof from the courts. On XX/XX/2021, which is my finial notice. 

XXXX XXXX XXXX dispute any and all alleged debt in reference to CHAPTER XXXX. Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a consumer reporting agency shall furnish identifying information respecting a consumer, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal Bureau of Investigation when presented with a written request, signed by the Director or the Directors desig-nee, which certifies compliance with this subsection. This error is causing emotional distress, I do not want to run the risk of being denied, paying high Interest fees, denial of lines of credit. 

XXXX XXXX XXXX dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. PLEASE HAVE IN WRITIEN WHER THE COURTS GIVE YOU PRERISSION TO ADD THIS BANKRUCY TO MY CREDIT REPORT. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days.

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 2022-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 at XXXX, I deposited {$900.00} into an ATM at XXXX bank at XXXX XXXX XXXX XXXX I bank with USAA, which has no physical branches or ATM 's in my area. I used XXXX because it is considered an " accredited '' ATM for USAA. At the end of the transaction, the deposit did not go through, and the ATM kept the {$900.00}. 

I disputed this with my bank 3 times to no prevail, and XXXX provided me with information to bring to USAA so they could solve this between the banks. Nothing has been resolved. 

Here is the information : XX/XX/2022 XXXX EST Local Terminal ID : XXXX Debit Card Number Trace number : XXXX Transaction Amount : {$900.00} Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: JPMORGAN CHASE & CO.
State: MI
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:
In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I 'm currently being charged off for the amount of {$360.00} by the XXXX XXXX XXXX. This represents the tuition for a XXXX course at XXXX XXXX  University I registered for in 2015. This charge was was a result of an error made on my FAFSA application, and that error was resolved during the second week of the fall semester and my tuition was paid in full by FAFSA. There is very little the school seems to be able to do at this point simply because the account has been makes by collections.

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 2017-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it may concern, On XXXX, a Levy was placed with the state of RI for {$1200.00}. I was charged {$120.00} legal fee. I am aware that in the disclosure that Bank of America charges for legal orders. What I am disputing is the fact the state did not have the authority to do so as I have an order from a Judge stating my payments for this matter were satisfactory and not in danger of a levy. I have worked it out with the state on XXXX and they are removing the levy. I am asking the {$120.00} legal fee be reimbursed in this case as it was a state error. They said it will take up to 3 days to remove it. If there is no chance for reimbursement, Id like to be contacted in order to close my account. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief