BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I never received any contact from FedLoan Servicing from XXXX XX/XX/2018. Suddenly I got a bill with interest accrued for all that time, at 8.5 % interest accrued. Now I owe over {$150000.00} for my son 's education through a PLUS Loan from XXXX. The usual amount borrowed was about $ XXXX per year. It was through XXXX XXXX in New York. I am going to be XXXX years old next year, and i will be paying this for the rest of my life. My son doesn't work due to XXXX, even though he graduated with honors. I don't think they should have compounded interest during the time I was lost from the system. It wasn't my fault I never received a bill. They even took 30 % of my social Security out for a half year until my representative, XXXX XXXX got them to stop. Is there anyway the interest can be forgiven?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had been having problems with making payments with my credit cards the past couple of months so I made a loan to pay off all of credit cards and cancel the cards. On XXXX XXXX, 2017 I called Victoria Secret 's ( Comenity Bank ) and spoke with a customer service rep and told them that I wanted to pay the account in full and close my account. He gave me a final balance of $ XXXX-I completed the transaction with the rep on that day. Two days later, I received an e-mail from VS stating that I owed {$45.00} for a finance charge. My payment was due on XXXX XXXX, 2017 and I paid XXXX XXXX, 2017. I e-mailed VS two times and finally called on XXXX XXXX to speak with a representative. He was rude and disrespectful. I repeatedly explained that I made it clear on XXXX XXXX I wanted to pay the account in full and close. Why did n't the rep give me the full amount as I requested? He could n't answer me, all he could say was that I missed my payment due date and was charged a finance fee for not paying on time. I was asking for the finance charge to be removed so that account would be zeroed out and they would not take care of it. I experienced the same issue with XXXX, also Comenity Bank, I paid that card in full on XXXX XXXX, 2017 also and two days later I received an e-mail stating I had an outstanding finance charge. I neglected to call Comenity because of my previous conversation. I was on the phone over 20 minutes with a customer service rep who was condescending, rude and disrespectful. I will share my story of unfair and illegal practices by this credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: Westlake Services, LLC
State: NY
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-09-01
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CORELOGIC INC
State: IN
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:
ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).

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 2022-03-12
Company: EQUIFAX, 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 was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Equifax notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Equifax has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Western Portfolio Assets
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX of XXXX XXXX XXXX spoke with me by phone on XX/XX/XXXX about a Debt she claimed I owe to XXXX credit card from XXXX, in the amount of {$6000.00}. When I asked that she have proof of this debt mailed to my home address, XXXX told me " it would be too expensive to mail be proof of the debt to me ; and that the lawyers would prefer to file a lawsuit. '' XXXX continued to say " proof of the debt would be shown to me during my day in court, where interest and collection fees would be added to the debt and shown '' to me. According to XXXX of XXXX XXXX XXXX, the debt could be settled for the amount of {$3000.00}. 
I told XXXX that this debt is outside of the statute of limitations to collect and that this debt is not listed on my credit report. XXXX XXXX response was " that is not true '' ; she also continued to say that " this debt would be returned to my credit report in XXXX after a judgement is placed against me ''. I informed XXXX " I have not been served for any civil matter ''.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: TX
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:
These inquires listed below are not mines. Didnt authorize these inquiries.

You have 12 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX 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 2022-09-08
Company: Experian Information Solutions Inc.
State: PA
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, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
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:
my problem is with experian they keep taking from XXXX to XXXX points reepeately in the last 6 month or even before only issue i had was with a home depot credit card with $ credit limit which has been close with XXXX balance since 2019 take a moment and you will see that my credit history is excelent for the last 7 years this happened when i open another account with home depot and thought that my previous account with home depot merge into XXXX account and since i did not get invoice bill y did not make a payment for 1 or 2 months till i got XXXX and inmediatly took care of it pls some help my # XXXX call anytime or text email XXXX thank you

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 2017-06-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Received a letter dated XX/XX/XXXX, signed by XXXX XXXX XXXX of Wells Fargo Merchant Service 's Executive Office stating that " You no longer hold an outstanding collection balance with WFMS '' ( see attached ). Received a subsequent letter dated XX/XX/XXXX, from the Wells Fargo Overdraft Deposit Collections and Recovery ( ODCR ) Department stating that I have a balance due of {$130.00} for my closed account ending in XXXX ( see attached ). I called the ODCR Department on Wednesday XX/XX/XXXX, at approximately XXXX XXXX and spoke with a person who stated that their name was XXXX. I was then transferred to another person who stated that their name was XXXX ( employee # XXXX ) in the XXXX XXXX XXXX. She confirmed that I had a {$0.00} balance and then transferred me after I requested a written letter showing nothing owed. I then spoke with a person who stated that their name was XXXX ( employee # XXXX ) who stated that I have a {$130.00} balance. This entire process was completed at approximately XXXX XXXX -- 48 minutes later, after extended periods of holds. My old business account was closed by them because I refused to pay their overdraft, and NSF fees generated from my former merchant 's account. I voluntarily closed my personal checking and savings accounts, as well as my business savings account due to excessive fees levied after their lawsuit for opening illegal accounts for thousands of their " valued '' customers.

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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase Bank USA has pulled my credit now XXXX TIMES in the last year. I have contacted them after each occurrence to notify them that I never applied for a card with them. Each time the assure me the inquiry would be removed and it would not happen again. I have now received another denial letter dated XXXX/XXXX/17 ( Reference number XXXX ). I filed a complain with CFPB and it was showing as a dispute with XXXX? ( complaint XXXX about XXXX, XXXX ) It was supposed to be a dispute and report of fraudulent activity against CHASE. They should be fined, made to remove these inquiries and figure out what is the problem on their end that allows this to keep occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, my name is XXXX XXXX XXXX. This is a consumer fraud complaint involving CHASE bank, XXXX, and XXXX XXXX. 

As detailed below : I purchased tickets in the amount of {$1400.00} for travel to XXXX in XXXX from XXXX XXXX. I reported a positive XXXX test XXXX before my flight to XXXX XXXX and I could not board my flight. I contacted XXXX XXXX with this information and emailed them my XXXX positive test. I contacted XXXX XXXX 13 times asking for a refund, but I was refused or redirected to rebooking fees of {$1000.00}. At that time, all airlines including XXXX XXXX was giving 100 % refunds due to XXXX. 

CHASE bank was contacted, and charges were disputed multiple times. However, CHASE and XXXX failed to properly investigate my case and validated the charges onto my account. 

We are asking this agency to do a good faith investigation why XXXX and CHASE bank is denying my claim to remove this charge and hold XXXX XXXX accountable for the trouble they have created. 

Timeline and evidence : - XXXX XXXX - Ticket purchased with CHASE XXXX card, XXXX {$1400.00}. ( Exhibit A ) - XX/XX/XXXX @ XXXX - an email was sent to XXXX XXXX with a screen shot of my positive XXXX test. ( Exhibit B ) - XX/XX/XXXX - Phone records from XXXX showing 13 calls to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX communicating my issue. ( Exhibit C ) - XX/XX/XXXX - CHASE received dispute against charges. ( Exhibit D ) - XX/XX/XXXX, XXXX - sent secure message to CHASE about the process of my despite. ( Exhibit E ) - XX/XX/XXXX - CHASE bank issued temporary credit of {$1400.00}. ( Exhibit F ) - XX/XX/XXXX - CHASE validated the charge and rebilled charges. ( Exhibit G ) - XX/XX/XXXX - Reopened dispute with CHASE and cited evidence and attached evidence to their secure message. ( Exhibit H ) - XX/XX/XXXX - CHASE validates charges. ( Exhibit I ) - Merchant contract to chase. ( Exhibit J ) Reasoning : In the Merchants 12-page report ; they stated on page 2 The customer missed the originally scheduled flight and was registered as no show. XXXX XXXX XXXX XXXX was informed upon purchase that now show tickets has no value and wont be processed for exchange and refund. 

They also state on page 5 Sickness and or Hospitalization is a means of a refund. 
It is clear that XXXX XXXX is committing consumer fraud and lying to XXXX  based on the findings and facts that I have presented before you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX 2019 I had a credit limit of {$4000.00} with Chase bank ( Chase Amazon Credit Card ) and I had made a large sum payment of {$2000.00} to pay down my debt. They had decided to decrease my credit limit to {$2700.00} and had not clearly stated their reasons why. I thought maybe it was because I had a high balance before and I had been struggling to pay down the remainder after that. A couple weeks ago ( XX/XX/2019 ) I paid Chase {$2700.00} to which my balance was {$94.00} higher than the limit and was just trying to lower my debt with them. My husband 's work has been very slow, and I work only part time and am a XXXX XXXX XXXX so the past six months have been hard but we are just trying to catch up. I decided to use some of my financial aid ( grant ) to help pay my credit card debt down in order to hopefully boost my credit score back up from the originally hit when Chase decreased my credit limit that took a toll on my credit score and now they did it again and will most likely take another hit on my credit score. I was also hoping to boost my credit score to help refinance our auto loan with XXXX XXXX XXXX to help more with our finances. If they had been more clear about their reasoning why in their first letter they had sent out, to which I had called both the customer service and lending departments and both had not been very helpful nor understanding but most importantly did not give me a clear reason why they had decreased my credit limit ... I would have not made the same mistake again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by XXXX. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

XXXX is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 39 days and I haven't received any responses from them.

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 2022-03-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ref : XXXX Thank you for applying for the XXXX XXXXXXXX XXXX XXXX XXXX Card . We're writing to let you know we can not approve your application at this time because American Express cancelled your previous account ( XXXX ). 

The problem is that my account was not canceled by them and in fact the last card I had with them was an XXXX card and they said once I had the card for XXXX months I was eligible for other cards but they lied.

Company response to consumer: Closed with explanation