BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
ACE Cash Express used XXXX tactics to gain money for a debt. They harassed us over the phone, they had a phony law firm call us and threaten us with legal action and thousands of dollars in legal fees if we did not take action immediately. They said they were XXXX XXXX XXXX  .... the only " XXXX XXXX XXXX  '' is a personal injury firm, irrelevant to collecting debts. They sent us fake documents stating that legal action will be taken if we don't email them the documents back signed. They only received {$200.00} from us before we caught on. In XX/XX/2014 there was a settlement against Ace cash express for this very same thing. Im here to inform you they are continuing their XXXX  tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: IL
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:
Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Bread Financial Holdings, Inc.
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:
XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : Comenity Capital Bank refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. Comenity has reported this on my credit report. This has negatively effected my good credit score. Comenity sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CITIBANK, N.A.
State: IL
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 filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..

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 2019-05-19
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i started a refi with loan depot back in XX/XX/2019 and i spoke with XXXX XXXX the loan officer and he took my info over the phone and shortly after had pre approved me for a refi loan on my primary home. I went through the entire process, sent in my {$490.00} for the appraisal fee and gave them everything they asked for By the way I work in the auto business and get paid {$1000.00} salary, {$1000.00} draw and {$110.00} car demo allowance plus bonus. 

After XXXX XXXX and his team finished with my verification of employment for all my previous jobs, he calls me says that the ratios are too tight and that they couldn't use the demo allowance of {$110.00} per week and that if i could pay off a credit card bill of {$9600.00} to help out the ratios. They had declined the loan at this time and I worked over the next 2 weeks to have my wife transfer the credit card debt to another credit card in her name as it was a joint account. Once the debt was off my name, I called loan depot back and spoke with a new LO XXXX XXXX. He said he could get the old loan and would have to open a new one and start where the old one left off. I gave him everything all over again and he was saying that everything looked good and clean and should be great. Well, after it went to final review in underwriting they said that they couldn't use the draw as i didn't have 2 years history of that. Even after my boss wrote a letter of explanation to them that states that my draw would never go below the bonus i receive, that wasn't good enough and i was declined again. I wasted 5 months of my time for this and feel that they should have known about my draw and asked questions as professionals. It says it right on my paystubs i gave them that I get XXXX salary and XXXX draw. I've spoken to other mortgage professionals since and they said that it should have never been pre approved in the first place. Which means I should have never paid for the appraisal in the first place wasted 5 months of my time. 

i asked for my appraisal refunded and they refused

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16
Company: Trustpoint Lending Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a deceptive advertising in the mail, called to obtain the advertised rate within days of receiving the mailing. I have over XXXX credit scores, excellent income, for primary residence for a single family home under 80 % value, so and met all listed criteria and the rate was almost 1 % worse than the mailing. Clearly they are using the mailings for fishing and being deceptive with their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: AES/PHEAA
State: AZ
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/XXXX at XXXX XXXX I contacted XXXX XXXX and spoke with XXXX  No. 
XXXX. He confirmed my new payment of XXXX to be due XX/XX/XXXX. He stated that he requested the capitalization be turned off on my account from XX/XX/XXXX to XX/XX/XXXX which would then bring my account current and no past due payment. 
I asked when this should be completed and he was unable to provide a specific timeframe, rather stated, in the next few days. 

I continue to receive emails stating payment was due XX/XX/XXXX and I am past due. 

He then transferred me to loan forgiveness and I spoke with XXXX No. XXXX. I stated that I have been paying on this loan 10 years prior to going on loan forgiveness and was told those 10 years would not be able to count toward the loan forgiveness. 
I stated that since XXXX I was on this program and my account is only showing credit for 18 payments of the 120 required. She stated I only began as of XXXX. 
Please see the attached letter from XXXX XXXX I began with XXXX, XX/XX/XXXX. I stated that I have been in contact with XXXX   XXXX for quite a few years and no resolve on this issue. XXXX stated that problem was I paid double payments one month, thus my account went to paid ahead status which then notes my account that each payment after that month was late. I stated that this makes no sense and she stated it was a courtesy that they put on the account. Again, I stated this makes no sense and if an additional payment was made and it was a problem, it should have been credited to the following month. ( See additional submitted document. ) XXXX stated should would submit a request to recount the qualifying payments. I requested when this would be completed. XXXX could not provide a specific date and stated in the next few days. 

I have yet to hear by phone and letter that this has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original servicing agent XXXX when bankrupt and ceased servicing my mortgage on XX/XX/19/ Loancare LLC ( " Loancare '' )  was the successor servicer assigned to my account. Two payments were made to Loancare XX/XX/XXXX and XX/XX/19. Loancare was promptly contacted and wanted proof of payment which they had previously acknowledged receipt of via email. They verbally agreed to refund the duplicate payment upon receipt of confirmation of payment which they had already acknowledged receipt of via email. Upon receipt of my proof of payment they allegedly will send me my refund after a three day processing time.

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 2019-05-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A company by the name of XXXX XXXX XXXX was recently added onto my XXXX credit report, by their collection agency Genesis Credit Management, as a new collection account three years after they were included in my Chapter XXXX  Bankruptcy back in 2016. This same company started harassing me a few months after the filing of my bankruptcy, which I let my attorney know. He insisted that he'd contact them to stop harassment, so I know for a fact that this company is aware they were added into my bankruptcy, which also shows in my bankruptcy schedules. This has also dropped my credit score, so I'm now having to prove to XXXX these same facts. What they've done is illegal, and upon doing research on this company, I learned that they have a history of this devious behavior, and would like to file a complaint. I also plan on seeking legal counsel to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

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 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I visited a Bank of America Financial Center at XXXX XXXX XXXX, in XXXX, CA in order to obtain a cashier 's check in the amount of {$540.00}. I have a primary checking account that I use for day-to-day transactions, and a secondary account which I only use to receive rents from rental properties and pay mortgages on those properties. The teller failed to ask me which account to withdraw the funds from, and incorrectly withdrew the funds from my secondary account. She even filled out the withdrawal slip and put the wrong account number on it ( I have a copy and it shows her handwriting ). I signed the slip, not spotting her error ( the account numbers are only one digit apart ). I later discovered that the funds were taken from the wrong account, and this caused the secondary account to be overdrawn as it occurred right as my scheduled mortgage payments were going out. 

Bank of America then proceeded to charge me two {$35.00} overdraft fees because of the teller 's mistake. When I called their customer service department on XX/XX/XXXX, they at first refused to refund the fees and refused to acknowledge their error, and after an hour of phone wrangling, I finally connected with a manager named XXXX located in the XXXX. XXXX Deposits center ( XXXX XXXX ) who was completely unhelpful and blew me off. He stated that because I had signed the slip incorrectly filled out by the teller, it was my fault and therefore they would refund one of the fees for {$35.00} as a 'courtesy ' but not the other {$35.00} fee. I asked him to contact the bank to verify that the teller had mishandled the transaction and he refused. 

On the withdrawal slip I've attached, you can see the teller 's handwriting ( she filled out the entire slip ), which is clearly different from my signature ( the only part I filled out ). 

I should not be charged any fees whatsoever due to the error committed by the bank 's own employee.

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 monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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:
THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.

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 2019-05-20
Company: CITIBANK, N.A.
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:
the following account are not mine, ( XXXX DSNB AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX  many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e XXXX   as well. 
thank you for your help and cooperation

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 2019-05-20
Company: HYUNDAI CAPITAL AMERICA
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:
the following account are not mine, ( XXXX XXXX AND KIA MOTORS ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to XXXX XXXX   as well. 
thank you for your help and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Forster & Garbus LLP
State: NY
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:
Forster & Garbus LLP has garnished my wages as the acting attorney for XXXX. I spoke with XXXX and they have no record of my name, phone number or social security number. Futhermore they have an old address on the paperwork so there was never any indication I was getting garnished by these people. I have attempted to call them to resolve but they will not answer my calls. I looked them up online and came across this article. XXXX XXXX XXXXXXXX I would like to file a complaint and stop my garnishment immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Hi My Name is XXXX I have dealt with Regional Finance ( XXXX, Texas ) branch XXXX XXXX XXXX, for 4 yrs at this point and they have service 3-4 prior loans for which i was never late with a payment and paid all of them off early. 
I was adversly effected by covid and lost my form of income. I notified them of this and attempted to make arrangemnets. I have submitted bank statements and proof of a drastically reduced income. On one attempt after months of recieving calls they denied a reduction in payments. 
What makes this worse is that My wife is an XXXX  of XXXX XXXX and has been harrasssed for being married to me. My wife knew nothing of this loan was not included in references at all. I had be dealing with Regional Finance 3 yrs prior to her being XXXX  by them.

I have requested them to leave her out of my personal loan yet they have repeatedly attempted to involve her causing a really bad home situation.

I explained this to there Corporate office and the situation has gotten worse. 
Intimidating me by using my wifes XXXX  as harrassment is unjust. 
Me and my wife have never discussed finance with one another we have seperate bank accounts. They have involoved her in my personal matter and caused undue stress in my household. I have offerede to pay on interest only until I am gainfully employed once again yet was met with " have your wife Pay it ''. 
I dont know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: DISCOVER BANK
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX someone stole and used my discover card in a casino, I reported it as fraud but have been charged the entire amount on my card causing it to overdraw, max out and ruin my credit. {$2400.00}!!! was added to the account.My rights were violated by the Fair Credit Billing Act, FTC.I should have been charged a maximum of $ XXXX spoke to several people.XXXX told me my case was closed and there was nothing else he could do and XXXX, wouldn't give last name, spoke to him XXXX XXXX a supervisor, said would open case with new info, which I provided and possible scenario of what might have happened .No adjustments to account just overdrawn balance and many fees.Please Help, their XXXX fraud liability has not been applied to me.Also, someone could easily get my pin, just pretend to be me and giving them the info off my card and you enter the number yourself, fraud dept. should know this info already.Also, I don't want to file a police report to get my credit reversed, I feel like I'm being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Diaz & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Diaz and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX regarding a loan balance of {$1000.00} from XXXX ( acct # XXXX ) that is not mine. XXXX, the debt collection agency, sent me a letter stating that if I pay {$350.00} to them, the debt will be resolved. I called Diaz & Assoc and they said that it is a loan from 2011, they had my name and last four digits of my social security number. I told the representative that this is not my debt, that I have never done business with XXXX, nor taken a loan out with that company. The representative, XXXX, said that the loan would be closed but I want to make sure that this is not fraud, and that the case has actually been closed and will not affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
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:
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXXthat person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error

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