BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-22
Company: CL Holdings LLC
State: GA
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:
I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-03-30
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2016-10-06
Company: TMX Finance LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received email this morning from Title Max, Inc. Stated that I owed $ XXXX reads that I must pay this amount by end of business day today or set up payment arrangements.If I do not do this, they threaten to start legal proceedings against me, docket number XXXX and inform my employer and credit bureau. They state failure to do these steps will result in the next step, Legal Proceedings. They will start legal action. " Let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. ". I repeat I did not borrow any money with Title Max, Inc ever. There have been threatening phone calls several times a day, including early morning and late in the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
TD Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect? 
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Skrill USA, Inc.
State: CO
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I opened an account with Skrill ( https : //www.skrill.com ) and attempted to send {$50.00} abroad. I was told to use alternative methods of transfers, as the security system flagged me as an undesirable customer. I talked to numerous customer service representatives at skrill and was told to try " a different browser '' or a " different machine '', to no avail. I was never told any details of the problem - finally they offered to close my account and give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: GVA Holdings, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
A late payment was made to AMEX but the account was paid in full within XXXX days. This late payment triggered the usual late fees but also triggered an interest payment in the first month of XXXX {$95.00} and a second month of interest of XXXX {$65.00}. The effective APR for interest charged for XXXX days of late payment but then paid in full equates to an effective interest rate of over 100 %. While this XXXX month revolving balance interest calculation is no doubt contractual agreed to, it seems blatantly against public policy and likely criminal usury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
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: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.

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 2022-11-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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