BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it may concern : I attempted to use my card this morning around XXXX XXXX  to pay my life coach and I was denied through my XXXX account. My XXXX is directly linked to my Serve Card. I assumed that maybe I didnt have the funds, so I went to a local bank teller. The bank teller denied my withdrawal. I sat in my car wondering what was going on. So I decided maybe I should try calling the company number to just check my balance ... blocked. I had to literally hunt and XXXX what the direct number was because they made finding the number on the site inaccessible. Outraged, I attempted to call the number I found which was listed on another page on the website for new members ... I was met with a dial tone. I was not even able to reach American Express Serve Prepaid Card services over the phone to check my balance! I could not check to see if the payment for my car was taken out by my dealership. I received no notification of any sort about what was going on with my account at all this day of XXXX XXXX. I have automatic payments attached to my account that is due TODAY. My car payment being my main charge. I am highly upset with the lack of care or consideration this company has showed for its members. Not only is this issue close to the holiday season, I can not eat, buy gifts, or pay for anything although the website showed otherwise. Not only was the service inconvenient, I was lied to by a company I trusted to protect my money. There was no scheduled maitenence scheduled today! From their XXXX and XXXX page, the messages do not add up! I am really upset and I will be discontinuing my use of this service as soon as it is up and running again. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On  XXXX   XXXX ,2014, my wife filed a complain wi th Trans Union Credit to remove a company name from her report,   XXXX   XXXX  l, which was not hers and had no knowledge of it. Trans Union instead add a name to her report that is not her name.

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 2017-10-16
Company: National Recoveries, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AES/PHEAA
State: TX
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:
I applied for th e Public Service Loan Forgiveness, using the  paper form, as the computer form only gave me the option of paying {$700.00} a month (  XXXX  X 10 years =  XXXX  and my loan balance is  XXXX , so I would overpay {$28000.00} and none of my loan has been forgiven ). Fed  Loan  changed my loan to this amount, without my consent. I took a screen shot of the computer screen and sent it in with my application and told  XXXX   Loan  NOT to change my loan amount to {$700.00} without calling me first and they did it anyways. I wanted them to call so I could explain to them that the computer is figuring out a payment based on my income, not the loan balance, which is wrong. I 've called and emailed, trying to get this straightened out as the payment of {$700.00} a month is not correct. Today on  XXXX , the representative told me that this was my fault and tried to explain to me what I did wrong. I told her this all started because no one called me yet still told me that this was my fault. I 've requested that my payment go back to my original payment and have someone call me, yet I 've received no phone call. I 've requested an explanation how paying {$700.00} a month forgives my loan and how much of my  XXXX  would be forgiven and I 've received no explanation or phone call. I have to check my payment amount every month and then call or email them, with no resolution. Every time I call, I 'm told stuff about being delinquent ( WHAT! ) and now this is somehow my fault. If I could transfer my loan out of  My Fed Loan servic ing, I would. I try to apply for forgiveness, which seems so easy, but it 's been a total nightmare. My issues dealing my lender are trouble with how the payments are being handled, receiving bad information about the  Public Service Loan Forgiveness Program and horri ble problems with customer service. I get a different answer every time I call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Cognition Financial Corporation
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was added as cosigner on a student loan through   XXXX   XXXX   XXXX   in  XXXX . When I fiiled out my portion of the paper work I added three stipulations for the loan :  1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 d o not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX   XXXX   took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  First Marble Head  and then  XXXX   XXXX   XXXX . The loan is serviced by  XXXX   XXXX   XXXX  and despite 11 years of attempting to resolve the fraud with  XXXX  I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected.   XXXX   and  XXXX  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held  hostage or gi ve in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had a name change in  XXXX    XXXX   along with the name associated with my social security number. I recently applied for a loan for a used vehicle and was told I have  XXXX  credit despite 3 years of unmissed payments on my previous car. Apparently, my credit history from my former name was not transferred forward with the updated name. I need this changed as soon as possible.

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 2017-04-20
Company: New Century Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.

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 2017-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On XX/XX/2021, someone attempted to get CBNA credit in my name. I immediately contacted CITI. The representative said, " If you had not contacted us, we were going to contact you. '' The CITI representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. XXXX has refused despite numerous disputes.CITI provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with XXXX supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed SIX disputes since XXXX. 

I respectively ask that the CITI and XXXX immediately remove the fraudulent CBNA hard inquiry on my credit report.

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 2017-04-20
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to a college for  two  weeks, and I still get payments that the admistrator advised me that the payments would stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through Experian credit agency. 

Regarding : Suit or judgement notification submitted by XXXX XXXX XXXX. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : XXXX XXXX XXXX Status : Grid code 9 Case number : XXXX XXXX XXXX of XXXX, IN I have called XXXX to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.

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 2019-11-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
As I stated I have attempted to get in touch with XXXX  a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.

Company response to consumer: Closed with explanation