BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital one Card was paid in full and locked with XXXX balance. Then, a new charge appeared of {$6.00} when card Balance was XXXX! The First customer service Lady stated she couldnt find out why the card was charged. The ( 2nd ) operator said they will not take off the fraudulent charge, upon talking today. This is a no fee capital one card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: WA
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:
I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX at XXXX AM, I spoke to XXXX ( Account Supervisor of Chase ) who confirmed that my account is being double charged on the interest for a promotion interest balance because my monthly payments are NOT being applied to the monthly interest. Instead the monthly interest is being added to the principal amount so that the principal increases monthly thereby increasing the accrued interest. Consequently, Chase is charging interest on interest every month by increasing the principal when monthly payments more than cover the interest and minimum payment due. 
XXXX informed me that although this is unfair to me, Chase does this per federal law without stating which federal law or offering to provide a copy of the federal law. He further refused to elevate this matter to his supervisor or provide an address for me to submit a written complaint. 
This is wrong. When monthly payments more than cover the minimum payment and interest payments, Chase can not be increasing the principal amount by adding monthly interest amounts to the principal balance to impose higher interest obligations on the consumer. 
Since XX/XX/XXXX through XX/XX/XXXX, the interest on the promotion interest balance has increased due to Chases practice of increasing the principal balance by adding the monthly interest to the principal and NOT applying the monthly payment to the monthly interest charged. 
I do not believe Congress intended for Chase to legally charge interest on top of interest by allowing Chase to increase a principal balance by not applying consumers payments to the interest charged every month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Old information reappears or never goes away

Complaint:
had an account on my credit report in which was removed with XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and inquired why the debt returned on my credit report after 5 ( five ) years. Per XXXX, they did not put the debt on my report. I contacted Transunion and inquire per Transunion they have to return all debt on everyone 's report, so don't think it's just me. I need assistance in this matter why Transunion is having the right to returned this item from XX/XX/2014 back on my report. I feel Transunion is taking the rights of many Americans. 
Because of this matter, my Credit Score decreased, please help!

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 2021-12-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COMMENITY CAPITAL BANK IS STILL REPORTING ON CREDIT WHEN ACCOUNT WAS PURCAHSED BY ANOTHER LENDER KNOWNING AS XXXX XXXX XXXX C/O XXXX XXXX SERVICES WITH INCORRECT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear Customer Relations, As I found out researching this subject, this problem is happening to thousands of people yearly, and it seems there is no way to get your money back once the error has been made. 

Two weeks ago, my wife wanted to transfer to someone we know, {$1400.00}. She entered their name and phone number, and pressed send. Unfortunately, she was off by one digit at the end ( XXXX instead of XXXX ). 
This was done using the XXXX XXXXXXXX XXXX mobile app, and using their Zelle money transfer service. 
We immediately tried calling the wrong recipient, and sending them text messages, but there was only a recording, and no reply to the text messages. 

We then called XXXX XXXX XXXX  and they told us there was nothing they could do to return or refund the money, or reverse the transaction. We insisted they try something, so they said they could try filling for a refund. 
A week later we got a letter saying they investigated the issue, and there was nothing they could do since we sent the money and it wasnt a scam. We asked them to appeal, and they told us they would send an appeal, and this week we got back an identical letter to the first one. 

We realize that it is our mistake, and our responsibility, but its extremely easy to make an innocent mistake, and it seems that thousands of people have similar situations with no possibility of resolution. 
Perhaps some regulation or rule could be implemented that would make it either easier to request a refund or to at least request a return, or if they could implement a more robust verification method which should not be hard to do. With XXXX ( through XXXX Bank XXXX you at least had to match the exact name and exact phone number or email which would make it harder to make a mistake to match 2 types of record. On Zelle you only need a phone number, and it doesnt have to match any name or anything else. ( we put the recipients name, but it didnt matter since it doesnt have to match the other persons name ) My wife feels terrible, but I understand how she did that not to excuse her responsibility. She is XXXX, and they use totally different numbers system, and she regularly makes mistake even with me over little things like dates or dollar amounts. 

We are very tight financially now, and could really use getting that money back. But even if we cant, it would at least be a step in the right direction and would make us feel better, if perhaps some new regulation or requirement could be implemented for these instant transactions, especially in the case of Zelle. 

We appreciate your time and attention to this matter. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.

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 2019-12-23
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello! Thank you for your help. I recently received notice in XX/XX/XXXX that I have an account with XXXX XXXX  XXXX. They work with another company called RSEIH ( Rausch Sturm ). I received notice that I am going to be sued by RSEIH on behalf of XXXX XXXX XXXX. This doesnt seem right as I have no clue who owns the debt. I am extremely dissatisfied as I was not notified of this debt by XXXX XXXX XXXX or the above mentioned company that is contacting me for payment. This debt is old and is beyond the statute of limitations. In addition, the debt is less than {$900.00}. I did some research and I believe that this company is acquiring old debts and then reselling them and then trying to sue people to pay. This is not right and seems very predatory. I have even contacted the original creditor as of XX/XX/XXXX and they have no record of this supposed debt. In addition XXXX XXXX XXXX  did not provide any type of proof of ownership or any type of proof that they this debt is even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Conn's, 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:
Disputed XXXX  accounts are sold and never reported in remarks .Still reporting limits and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Receivables Performance Management, LLC
State: FL
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:
I have an account with XXXX XXXX XXXX Privacy Assistance to monitor my credit. This month I called agency, RECEIVABLES PERFORM MGT/XXXX, that states that a dish account was opened under my social security number and that I owe {$80.00}. They reported it as a new account. They said that the XXXX service is for XXXX XXXX XXXX XXXX XXXX Georgia XXXX. I have never lived in Georgia. I already filled a complain to XXXX and XXXX, with a subject of identity theft.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Bank # xxxxxxxxxxxxx XXXX, XXXX - XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Toll-Free : XXXX Client Services : XXXX XXXX XXXX XXXX is original account holder. This account was settled XX/XX/2020. This Franklin Services is trying to collect from an already settled account in which I have a receipt from the XXXX XXXX for equipment I returned. Franklin collections is the 3rd. company I have had to dispute this with on my credit reports. It comes off my report then returns with a different collection 's agency. I am retired and tired of having to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 we were told by XXXX XXXX XXXX my mortgage was being sold to Rushmore Mortgage and they would contact us. It took 2 months before we were contacted by Rushmore on where to send our payments. Once we received the address we fedex 'd a check to Rushmore.  During that process there was still 3 months they were saying we needed to pay them. At that point we entered into a repayment plan. My problem here is Rushmore is showing me currently 90 days past due and then 60 days past due before that. I have done everything I'm suppose to do and I'm asking that the 60 and 90 day lates removed from my credit report due to our repayment plan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days. It is required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions 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:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX report and {$4400.00} on my Experian report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and Experian to have the inaccuracies removed, I found that XXXX and Experian continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX and Experian failed to compel said debtor ( s ) to provide proof that the account was opened by me.

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 2022-07-24
Company: EQUIFAX, INC.
State: MI
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:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pioneer Credit Recovery Inc. has left messages with family and friends on more than one occasion. This is in direct violation of the Telephone Consumer Protection Act ( TCPA ). In addition, they have use robocalls with a recorded message in which they ask for a XXXX XXXX. At the end of the message, a phone number is left for her to return the call. 

Pioneer Credit Recovery Inc XXXX XXXX XXXX XXXX New York 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 2017-08-28
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
About a year into the loan I went on the company 's web site and made a {$5000.00} payment ... mostly principle ... the web site showed in red letters that the payment did not go thru, try again, so I did ... ..my checking account was charged for {$10000.00} and was overdrawn ... .the web site states specifically that one can not make two principle payments on the same day which is what they tried to do ... the printout of my account with them shows exactly that ... .they have refused to pay the overdraft charge from my bank ... .it has been a year and I have stopped paying them except for sending them {$1.00} at payment time last month and will continue to do so until they make good on this problem.

Company response to consumer: Closed with monetary relief