BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: American First Finance, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I purchased a mattress and adjustable base from XXXX 's online. It was financed by American First Finance. On XXXX XXXX, I received and email from the delivery company ( XXXX XXXX XXXX ) stating that they will be delivering the merchandise on XX/XX/XXXX. With less than 24 hours notice of delivery, I called the delivery company to asked if I can reschedule and was told that there's a 2 week waiting for reschedules. I decided I will take time off from work to be home for the delivery. I was contacted by the XXXX XXXX at around XXXX on XX/XX/XXXX to let me know the delivery will be at my location in XXXX. I waiting until XXXX then called them when the driver never showed up at XXXX and was told that he had other deliveries but should be there later in the day. When the driver eventually showed up after XXXX, he said that he was by himself and could not bring the mechandise upstairs because it was too heavy, although I paid for in-room delivery, open and inspect the product he said he could not do that. I refused the delivery as I live alone and had no idea how I would get the merchandise to the assigned room up one flight of stairs. I called XXXX 's who said they can't cancel the order until I paid $ XXXX for thr returned merchandise. I then called American First Finance who approved the financing for the merchandize who is now saying that they can not cancel my lease until the store cancels the purchase. I was contact again by XXXX 's demanding that I pay for the return of the delivery by debit or credit credit card in the amount of $ XXXX despite the fact that I do not have the merchandise due tot he unwillingness of the driver to delivery the merchandise per the added amount of {$110.00} to deliver in the room of my choice. On XX/XX/XXXX I contacted my bank to stop all future payment and explained that I did not have the merchandise and that the finance company is refusing to cancel my lease. Today XX/XX/XXXX I received a payment schedule from First American Finance that my next payment is due on XX/XX/XXXX despite the fact that I do not have the merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It involves XXXX XXXX XXXX XXXX buying out bonds.On XX/XX/18 I settled my accident and received 1 check for {$190000.00} and went to JP Morgan chase and deposited it with the help of XXXX XXXX He scheduled an appointment with a security adviser XXXX XXXX we sat down and invested {$100000.00} in a managed account, and {$60000.00} in annuities acc. Last week I received a change in a health care annuity and a money order that was not the money order I had opened the account with.When I went to report the fraud XXXX XXXX would not do it due to chases banks rules then I found my debit card was being used and had to cancel it.on Monday I waited for the mail and it did not come.when I returned home that day there was a XXXX package and I opened it. And there was a magnet to XXXX. When going to bed that night I found the envelope with my new card tampered with.and placed another fraud on that card I'm still waiting for my new card. There is 2 checks from each lawyer equaling up to the amount of the check I deposited.and XXXX XXXX was also the one one who wanted me to register a car at XXXX XXXX.due to the case of dealer swap.I just found out my sister obtained a passport with my picture.And has been impersonating me in court cases that are using bonds to pay out claims.XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.The man I live with is XXXX XXXX, and holds the key to the mail box.I recently ordered my XXXX 's XXXX and it came and all it had was a privacy notice suspicious I called and ordered another and was told they mail a code to receive it I did not get the code and someone did. And altered the report and presented it to the courts and I can't find what court..I have been fighting identity theft, insurance, car, motorcycle, ,bank you name it.Ive had 112 complaints in and nobody replies.I just received notice that I owe {$290000.00} in medical bills that were suppose to be paid in my settlement.XXXX XXXX XXXX XXXX, XXXX XXXX.are all involved .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed 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 2019-08-20
Company: BB&T CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We experienced a financial hardship after Hurricane Florence and have letters from BB & T stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, BB & T falsely reported to XXXX that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from BB & T during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.

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 2020-11-20
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX via support chat to ensure that my account had been fully closed out and that there were no payments owed. I was told that I needed to return the " XXXX XXXX '' and that they would send out a return kit for it, and that would satisfy everything owed to XXXX. When the kit came, I put the XXXX device in the bag, and took photos of it. I dropped it off at XXXX and got a receipt for it. On XX/XX/XXXX I got a collection notice from I.C. System claiming that I owed {$160.00} to XXXX as the " original and current creditor '', without any contact from XXXX except the aforementioned support chat. On XX/XX/XXXX, I sent a certified letter to I.C. System disputing the claim and requesting a full explanation of the alleged claim. I received NO RESPONSE from I.C. System. On XX/XX/XXXX, I received notice from Experian that my credit report had a new entry, and I found that I.C. System had improperly placed a derogatory report on my account. I.C. System never responded to me in my request for explanation of the alleged amounts owed, and just placed a negative report on my credit history.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SECURITY FINANCE CORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-11-20
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2020, I called Mountain Summit Financial customer service to make a partial payment on a loan. After requesting to make an early partial payment to reduce my amount owed, the agent informed me that she could only accept full payment to pay off the loan or increase my payment to the scheduled payment day, which was in 8 days. I explained that I wanted to make an early payment because of the high compounding interest of 776 % and requested to speak with a management member because it didn't make any logical sense that I couldn't make a partial payment. She replied, " I am the floor manager. '' I then requested to speak and have the name of the office director. She replied, " I am the manager and can't give you the name of the director. '' I then requested the names of : Chief Executive Officer Chief Financial Officer Chief Financial Office Head of Operations Head of Consuming Lending Director of Customer Compliant She refused to provide me the information. So, I filed a complaint with the XXXX XXXX XXXX because the company didn't provide consumers an option of paying off loans early. I have taken loans from various companies that offer their customers the option of paying off loans early. After reading my contract, the documents didn't include wording about clients not making partial earlier loans. I requested an email or call from management or corporate offices, such as the CEO, CFO, Compliance Office, or a member of the board of directors. Fourteen days later, I haven't received a response from a board of directors or management. 

Several days ago, I spoke with a customer service rep at Mountain Summit Financial to request all of my signed documents inorder to provide copies to the Consumer Financial Protection Bureau. Twenty days after requesting my financial documents, I haven't received any paper work to add to this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On behalf of Bank of America my card account was closed/ frozen on XXXX XXXX @ XXXX XXXX  eastern time. they say its due to fraudulent/suspicious activity on the account. I asked them why was the card closed they said that the unemployment office sent a email advising them to close my account and to contact them for further details. I call my unemployment office and spoke with every department that has stated to be that there is no fraudulent activity on my claim and that my Bank of America account is within good standing. So I retaliated back to the bank and have spoken to many departments about this issue and of course they all say its close led due to the state! The bank are the only company that has initiated that my card account was closed and sent several letters saying that the Bank of America has suspected fraud! XXXX unemployment is unaware of this action and has not specified any letters or communications with me about my account closure they are clear that Bank of America initiated the closure and should be the ones to fix the issue they also say they have no control over the account once they release funds into an account that its out of their control. This issue has be ongoing since XX/XX/XXXX and neither company has partake in resolving the issue! I have endured so much stress financially and emotionally. I would love for this matter to be resolved so I can received my funds and move on so Im reaching out to get help from other sources.

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 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud. As a natural person, consumer and original creditor, they have broken the law, violated a multitude of federally protected rights against a federally protected consumer and on my behalf ruined my reputation. They have violated15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ), 15 USC 1692d ( 1 ), 15 USC 1681 and many more. I recently yesterday contacted and sent the company means to help themselves after committing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home due to the drop in interest rates. On XX/XX/XXXX I made my first electronic payment in full via my online banking portal. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I contacted AmeriHome because my payment was not posted on the online portal for AmeriHome. AmeriHome said my payment was not received. On XX/XX/XXXX I faxed proof of payment from my bank. On XX/XX/XXXX my payment was still not posted. AmeriHome stated that proof of payment was received on XX/XX/XXXX and would take 10-14 business days to reflect online ; however, on XX/XX/XXXX my payment was still not posted and AmeriHome now states that they do not have proof of payment. I refaxed proof of payment and contacted AmeriHome with my loan officer. AmeriHome stated they are working on locating payment and will update me daily. On XX/XX/XXXX I have not received a phone call ; no response ; no update ; payment still not posted. I have called and called ; I have completed a live chat ; I have sent messages via the online message system. I have been hung up on by numerous representatives. I have been told that " it is not that big of a deal '' by representatives. I have been on hold for over an hour. I do not know what else to do to get my payment posted and not reflect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see kohls on my credit report as a hard inquiry and I didnt apply for credit at kohls and I want it removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent GM Financial a letter requesting all documents regarding the account that they are reporting on my consumer reports. XXXX XXXX XXXX XXXX XXXX Its been over 30 days and they havent sent anything and still reporting this account on my credit reports. 

By law they have to send me documents regarding the repo and they didnt. This is a violation and they can not report this account Im demanding GM Financial delete this account for failing to provide proper notices and documents per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: A-1 Premium Acceptance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They told me that my payments on a XXXX loan would be {$250.00} per month for 7 months, They email me the documents which showd the 7 payments, After they took antother payment two weeks later, I called and they said my payments were actually 14 biweekly payments of XXXX  each. Reviewing my loan documments shows that these addtiional bieweekly payments were grayed out. So i did not see them. After making three payments I sent them a letter advsing them that I would like for them to uphold what they told me. They refused to do it.

I have place a stop payment through my bank, and sent Kings Of Kask the following : XX/XX/2018 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, WI. XXXX Kings of Kash XXXX XXXX XXXX XXXX XXXX, MO. XXXX RE : Account # XXXX Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer and by checks : This revocation applies to any and all future debits.

If yo would like to re-create the terms of the agreement please contact me by writing.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

Company response to consumer: Closed with explanation