BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
back in XXXX or XXXX i purchased car XXXX XXXX XXXX i through a company call XXXX with my son after the disaster of covid 19 i reach out to the company regarding my payments due to covid 19 struggling with my bills and losing my job i kept making payments as possible with the little money a had but i ran out of money and i couldn't afford to make the payments no more i spoke to a rep to see if they can work something out with me they explained to me that it would not affect my credit report years later now im getting hit with a appeal from court after the fact they would tell me it going to be taken care of the charges that i'm seeing on my credit report is incorrected and wrong its not fair that due to my situations of covid 19 i still have to deal with this now it cause my credit score to be in the negaitive with no help and i gave them the car back with no demages please someone can assist me in need what to do now.

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 2023-08-17
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son lived at an XXXX XXXX called The XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. There was a fee post move out. I did not receive the emails and a notice was never sent to my home. When they finally contacted me with the second collection notice XX/XX/XXXX, I sent a check to them per the instructions in the email ( attached document ). The check was cashed ( attached ) in XX/XX/XXXX. On XX/XX/XXXX I received a call from the collection agency in which I told them that I paid the bill directly to XXXX XXXX  per instructions in the email. I also provided them a copy of the email instructions from XXXX XXXXXXXX along with a copy of the cashed check. XXXX XXXX for ProCollect informed me that they had not filed for collections but would if I did not provide evidence. ProCollect filed collections and it is now on my credit.

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 2018-11-21
Company: Klarna AB
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:
The company Klarna/XXXX  appeared on my XXXX   credit report on XX/XX/2018 and XX/XX/2018. It appears to be personal loan companies under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or a loan and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
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:
I reported unknown charges on my apples card. They opened an investigation and removed the charges. In the midst of the investigation, they locked my account. My monthly payment came due for less than {$3.00} and I was unable to pay it because I was locked out. I attempted to contact them before the due date passed and could not get through. A couple of days later I was able to get my account unlocked and paid the balance. They refused to remove the late payment reported to my credit, which dropped my score XXXX points. I have not missed a payment in over 10 years. I attempted to resolve and they were not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for an income-driven repayment plan, specifically the XXXX plan, a few days ago. Today I get an email saying I have to provide proof of income from the last 7 years. I was in school until XXXX working part time, and only had stable income from XXXX onwards. 

I read the documentation for the XXXX application and don't see any requirement for past income, only current. Are they allowed to ask for 7 years of prior income? It seems meant to make the process difficult on purpose so they can charge a higher amount per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Bank of America XXXX XXXXXXXX credit card with an advertised promotional offer of XXXX miles with a minimum spend requirement in the first 90 days. This was widely advertised on the XXXX XXXXXXXX website. I applied on XX/XX/2024 and was approved on XX/XX/2024. 

Today, I viewed the same XXXX XXXXXXXX website and was disappointed to see the advertised promotional offer had been increased to XXXX miles. As I only applied less than 2 weeks ago, I thought if I contacted Bank of America they would honor the higher advertised offer. 

I called Bank of America customer service and they gave me misleading information that this could only be adjusted by XXXX XXXXXXXX. I reached out to XXXX XXXXXXXX who told me this was false and needed to be rectified by the financial institution. 

I tried explaining the situation again to Bank of America but they refused to adjust the offer with no further explanation given.

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As mentioned I will be on standby for a True Bill, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its 5th bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in XXXX. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.

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 2023-12-08
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a brand new savings account with Citi bank with {$750.00}. My mail was stolen, and before realizing it, there were three fraudulent withdrawals made on XX/XX/2023 and XXXX leaving {$21.00} and change remaining. I became aware of this on the XXXX of the unauthorized transactions and immediately called Citi to report them. I was unaware a PIN would be assigned to me and mailed at the same time ( albeit a separate envelope ). I find this to be a great fault of Citi to do this. Additionally, the option to activate the card at an ATM contributed to the theft of my money. 

On the XXXX, I was in a class for my job. On the XXXX, I was working a standard XXXX hour shift at the XXXXl from XXXX. The paperwork from my job to prove this was mailed, certified mail, and I also attempted to fax the paperwork multiple times only ever getting failed results to two different provided fax numbers. 

I have since received my replacement card, but I can't let go of the fact that Citi 's " investigation '' department has declined all my requests for reimbursement. I even requested a copy of their investigation report and instead only received another letter of their denial to my claim. 

I have made approximately XXXX calls to the fraud department at this point over the past 7 months. During the first open case, I was never asked for any sort of supporting documentation. It was until my first appeal was denied and case was closed that the representative told me I could write a letter and mail ( or fax ) the documentation. I purposely paid for and sent these to XXXX XXXX XXXXXXXX in XXXX XXXX on XX/XX/XXXX and see the paperwork was received on the XXXX. When I called yet again for an update, the representative told me I would need to open another case and could not guarantee the mailed supporting documents would be tied to the new claim. 

Citi has greatly disappointed me in the handling of this matter. Ive even asked to speak to the investigation '' department directly to which I was told it would be impossible to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXXXXXX  and XXXX XXXX Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: IA
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:
I sent a letter to Equifax over a month ago to update my personal information and I havent received a response back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that Portfolio recovery allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If Portfolio recovery had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I came into an agreement to have my backyard done by XXXX XXXX XXXX. XXXX XXXX, the owner, advised that he could offer me better price than those out there for the same service. He advised the deposit was {$4700.00}, but I told him my husband and I will pay in portions since we were paying by XXXX for tracking purposes. XXXX - {$1000.00} XXXX - {$2000.00} XXXX - {$1700.00} My husband and I have reached out many times via calling/texts. He even started our backyard but did not finish and definitely has not communicated with us on the balance of the work. We have endless texts to him where he made promised, but nothing. We asked for a refund on XXXX, he advised he will give it to us on XXXX. Never heard from him. My husband and I kept calling him to find out when we are getting our refund. He said he would give it to us on XXXX. He has not answered any calls/texts. 

Bank of America won't return funds because was done through XXXX  however I feel like that's not fair. XXXX should have the same securities as a credit card.

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 2018-11-20
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I sent a check that included the calculated interest for two loans to the XXXX XXXX. Instead of applying the entire check to the two loans they spread it around. They didn't pay off the two loans.

They are offensively XXXX and grossly incompetent.

I want them to pay off the loans. I needed that for my debt to income ratios.

Getting the location to even send the check took two phone calls. How this isn't on the website is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had unauthorized amounts of money taken from account starting the whole year of XXXX from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I filed claims for all of these transactions totally over {$30000.00}. Im finally getting these claims resolved after XXXX year. In the interim of all of this Ive developed XXXX XXXX, which has enabled me to work to my normal capacity. Not having this money in my account has caused me to almost lose my place to live. My credit card payments were in default, I got behind on my car payments which caused my vehicle to be repossessed on XX/XX/XXXX. I spent endless days contacting Bank of America about clearing this all up, the claims would be denied for payment. Until I continued to submit additional faxes supporting my claims. I spent over {$60.00} just in faxing the documents. Along with all of this my credit scores that were XXXX and XXXX have been lowered to XXXX, XXXX and XXXX. Im broken I cant even get a new vehicle without thousands of dollars and a high interest rate. Ive had to pay {$1800.00} in late fees, and eviction filing fees, for getting behind on my rent. I now have a {$57000.00} debt on my credit report for my vehicle being repossessed. I exhausted my other accounts that I had at other financial institutions trying to stay afloat. Ive been reported to XXXX by BOFA which makes it hard for me to get additional accounts elsewhere. BOFA had no sense of urgency for the fraud that occurred in my account. I lost out completely and taking a total of XXXX  months to handle this have been overwhelming. BOFA wasnt concerned about me as a consumer and they closed my accounts on XX/XX/XXXX with all of these claims still open. Im pleading for BOFA to compensate me for all of the devastation this has caused me financially, and the time I spent tirelessly on the phone with them. All I got was Im sorry, I understand but no quick resolutions. I worked hard to purchase a brand new XXXX XXXX XXXX for it to be taken from me because I couldnt pay my car payment because all of this missing money from my account. My bank statements from BOFA shows that I paid all of my bills on time. With this deficit wasnt able to. Also when my vehicle was repossessed my expensive handbag, wallet etc was in the vehicle because I was on my way to a doctors appt. I went in the house to get something that I had forgotten and came back out and the vehicle was gone. During the storage of the repossessed vehicle it was compromised and the battery was taken from the vehicle because I was getting emails and text notifications from XXXX XXXX that it had been. Again all could have been avoided had BOFA paid the claims in a timely manner.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX is a nightmare. I was told at closing I could make XXXX payments of my mortgage but prior to the due date. First payment due XXXX. Thus, I sent XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XX/XX/XXXX was returned. I spoke to XXXX who informed me they dont accept payments less than the amount of the mortgage. But she could stop the second half from being rejected. I re-payed the first half over the phone. I later received a voicemail that XX/XX/XXXX was returning too. I verified with XXXX that the XXXX payment was not returned. 

I called the next day and spoke to XXXX. Rude and unhelpful. She literally argued with me and cut me off. She then hung up on me. I called again and got the same person. She argued I did not hang up, I just stopped talking to you. Both times she refused to confirm where the XX/XX/XXXX payment was. 

Then, talked to XXXX. Gave him the right SSN but wrong loan number. He still found the account. XXXX the account was found, he proceeded to lecture me on the importance of the correct loan numbers for XXXX minutes. Also, he was still not able locate the XX/XX/XXXX payment. He did inform me that if I am a payment ahead, I can indeed pay in XXXX separate payments ( with a form completed ). 

To make matters worse- now EVERY time I call, I hear this is an attempt to collect a debt, any information will be used for that purpose message. 

Collect a debt?!?! I am attempting to pay a debt!! 

In short : Where are the XX/XX/XXXX funds? 

Also, Why is the customer service so ill-informed? And why is XXXX soooooooo argumentative and allowed to continue. I am literally JUST trying to pay my mortgage ( And find out where the XXXX payment is ). We have had many mortgages, banks, stocks, investments over these last 20 years. This bank is by FAR the worst in which I have ever dealt. And the worst part is we are stuck with them for at least a year before we can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received information that I had a XXXX XXXX 2012 I spoke with the told them I never had this vehicle and also a house as well I dont have any information they wont give it to me Ive been living here in XXXX XXXX all my life Ive never lived in no other state I never bought a house a car either can I get a police 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 2023-05-07
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/25 I purchased a XXXX  XXXX radio from XXXX XXXX and paid via Venmo to his account using Venmos Purchase Protection. The radio was eventually delivered and upon opening it I discovered it was damaged and broken beyond use. I alerted the seller to which he didnt offer any resolution so I initiated a refund with Venmo XXXX Per the description of their Purchase Protection I should be granted a refund as the item was damaged, either by shipping or by the seller, yet Venmo has offered no assistance in order for me to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

I appreciate the effort you have undertaken in investigating my dispute. However, I am know seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the fair credit reporting act.

Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ). I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation