BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received a flyer in the mail saying I was approved for line of credit for XXXX I went on the website the flyer told me to go to and had it deposited in my account after giving them my banking info and my pay dates. They put XXXX in my account XX/XX/XXXX then payment was due for XXXX I paid it. Then I got message payment was do again on XX/XX/XXXX I don't have the min. Payment they had due because they have took it off my account statements now. But I think it was XXXX I paid XXXX on XX/XX/XXXX then on XX/XX/XXXX I paid XXXX then by XX/XX/XXXX I had to ask for a draw because of having to give them my whole XXXX check. Then on XX/XX/XXXX they try to get XXXX which declined causing me fees. This went on and on wanting outrageous payments every two weeks until I almost lost my home. Had do money to even live off of. Here is my really big problem!! XX/XX/XXXX they said my outstanding balance was XXXX then by XX/XX/XXXX my balance was XXXX ok was told pay extra on it my balance would go down. Ok XX/XX/XXXX paid XXXX on this XXXX I owed. And was more than the minimum payment I had. That should have brought down to XXXX paid XXXX on XX/XX/XXXX should have brought what I owed to XXXX then XX/XX/XXXX paid another XXXX all with no draws balance should have been XXXX went back online to check my balance XX/XX/XXXX they had by balance at XXXX again after paying XXXX month of XXXX with no draws contacted them and theyre trying to tell me I owe this!! No way do I owe this they're crooks told them I was going to report them to everyone I can XX/XX/XXXX go online check balance they got I owe XXXX went on there today they got my balance XXXX The total amount I have sent these crooks is XXXX with a total of XXXX in small draws because they were taking my whole check monthly. Didn't even have nothing to live off of. And about to get put out of my home because of getting behind paying these crooks my whole income. This place needs to be shut down forever!! They're crooks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT RECOVERY SOLUTIONS is attempting to collect a debt that I do not owe them. They illegally purchased my information from XXXX. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with DEBT RECOVERY SOLUTIONS them and XXXX are in violation of 15 usc 1681 and 15 usc 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: GA
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 the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been receiving calls from Franklin Collections company for the last week - they are also showing up on my current credit report as having a negative impact due to my debt. When I tried calling them, I was forwarded to an automated service that told me I had a debt owed to XXXX XXXX XXXX for {$240.00} I thought this was odd since I haven't had internet through XXXX XXXX XXXX since 2019. I contacted XXXX XXXX XXXX via online chat and they told me I was being scammed and that I dont owe them anything. I took screenshots of the exchange with XXXX XXXX XXXX just in case. I would like to get this corrected as soon as possible though, and make sure the debt is no longer on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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/2020 I booked a vacation to XXXX XXXX through XXXX XXXX XXXXXXXX, located in XXXX, Florida, for a total of {$1100.00}. The vacation was set to last from XX/XX/2020 to XX/XX/2020, at XXXX XXXX XXXX XXXX resort. On XX/XX/2020, after closely monitoring the COVID-19 Pandemic in both the United States and XXXX XXXX, we decided that we would be forced to cancel the vacation and immediately called the agency, XXXX XXXX XXXXXXXX. We explained the situation to them, and they said that it was no problem to cancel the vacation, but a {$50.00} cancellation fee would apply. We agreed and they mentioned that it would take 180 days ( 6 months ) to receive the money back in my account. After over 6 months of waiting, I called the agency up to check the status of the refund on XX/XX/2020. The representative, XXXX XXXX, was the same person who helped us book the vacation. She said that the department that handles the refund is closed because of COVID-19 and she advised me to start a dispute through my card company. After trying to make a dispute through Bank of America, they said that it was outside of the 78 day period that they could do anything about it.

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 2018-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchase a car for son from XXXX XXXX used car I was finance with credit acceptance for amount that I was not aware about and now I can not afford it I try over and over to refinance this balance but unable to please help 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 2023-01-25
Company: EQUIFAX, INC.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please note that Under the Electronic Funds Transfer Act, which oversees electronic payment services, if an unauthorized person removes money from my account with XXXX, my bank must reimburse me as long as I report the fraud within 60 days after receiving my statement. In my case, I reported the fraud immediately. As such, I request that my money be reimbursed. 

Failure on Wells Fargos costumer service end to advise on adequate fraud steps, such as immediately close my compromised account and change the bank account number is not the costumers issues. I spent over an hour at the bank and several hours on the phone and the step to change my account number was not taken until I requested it days latercall logs are recorded. In comparison, other competitor banks took this step immediately. Additionally, upon adequate investigation Wells Fargo can tell that Ive never made a XXXX  payment to a thirds party not under my name. The fraud is clear and Wells Fargo failed to take precautions necessary to protect its costumers. 

Please note that according to the EFTA, if a financial institution breaks laws established by the EFTA, I may sue for damages in court. That is, if Wells Fargo refuses to credit the money back since Wells Fargo failed to prevent the transfer when I reported the fraud and told them to freeze the account. In this case, I am entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees.

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 2018-09-26
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
when the federal rate increased my payment would increase and when it went down my payment would go down. When the last federal rate increased they lowered my mortgage payment. I called them and asked why they did that. They said they get more interest that way. I have been paying on this loan for 22 years and that has never happened. Is this legal? How will my loan get paid off in 8 years with them doing that? Are they doing that to others. MY account number with them is XXXX. Please help. 

Cordially yours, XXXX XXXX Phone number is XXXX I think part of my msg. disappeared. The mortgage co. is Ditech Financial LLc pob XXXX XXXX XXXX SD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-07-08
Company: EQUIFAX, INC.
State: NY
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:
Ive identified information and accounts on my personal credit. these accounts and transaction were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Theyre trying to collect {$8900.00} from me on an account that was closed two years ago. They didnt even serve me they just left the papers at my house. Theyre based in Texas and suing me at a court in California! They were already raided by the FBI once but I see theyre back to their slimey ways

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, i wrote a letter requesting some proof on how inaccurate accounts were verified on my credit report. It has been almost two months and i have not heard a response when the fcra gives 15 days for them to provide me this information.

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 2020-07-21
Company: Law Office of Regent and Associates
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was {$10000.00} and they took daily payments from my register daily. The loan was paid in full. It's been 3 years and I'm still getting harassed. When I try to reach out to them they call my a waste of time and hang up in my face. They put liens on my XXXX tablet and XXXX  hun doing a pandemic knowing small businesses such as my restaurant is struggling right now.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-08
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern, My husband and I are extremely " underwater '' on our primary home that we purchased in XX/XX/XXXX. In XX/XX/XXXX, we applied for and was approved for an home modification through our current lender SLS that instead of an decrease in our mortgage we experience an huge increase in our mortgage from XXXX to XXXX. We are currently paying XXXX due to increase in our escrow. We have been trying to refinance to lower the payment but due to that we owe XXXX and the house is value at XXXX we have been unable to qualify for a refinance house until now. We are working with an excellent mortgage specialist that informed us that we could possibly refinance the house if our current lender SLS ( Specialized Loan Service ) agree to forgive the difference amount that is owed. We submitted an letter on XX/XX/XXXX regarding this request via fax and email. I called SLS several times regarding receiving the letter and my request and was informed by one representative that they do not accept those type of requests, another representative informed me that they do not know what department deals with those type of requests and was unable to transfer to that department. I did speak with an Supervisor XXXX who informed that what I was requesting was what SLS called an short notification payoff and that most likely the office that is reviewing my request will send me the documentation to complete for the short notification. However, I have not received such documentation. I have received notice from SLS that they are reviewing my request and will notify me of letter the determination. SLS did not provide me with an timeframe but just stated " will notify you according to the government policy of notification '' Also, they sent me an letter stating " thanks for requesting application for an loan modification we will start to begin the process once you fill out the forms ''. I did not request loan modification as our letter was extremely clear of the request. We believe SLS is avoiding our request and is sidetracking us with other non-useful documentation. We are requesting your assistance in this matter to escalate our requests with SLS so we can receive the correct documentation and proceed to refinance our house to lower our payments as this is causing dire financial strain to our family. Thanking you in advance.

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 2020-01-29
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have Nelnet loans and I applied for recertification. I was on Income-Driven Repayment and my specified payment was until XX/XX/XXXX. Prior to recertifying I explicitly asked if I changed the repayment plan would my current plan still carry out in full and then the next plan would take effect in the following month. I was ensured it would not interfere with my current plan. I reapplied on XX/XX/XXXX well ahead of the recertification due date of XXXX. When the new repayment option the due date moved up to XX/XX/XXXX. When I spoke to Nelnet they told me that the IDR I was on was terminated and immediately they put me on the new plan. Being that those payments would be higher I asked if they can void the new status and restore my former due date and they said they can't. Being that my income increase, they explain even if they gave me IDR it would reapply it from the current date and my payments would be higher than my prior IDR and the plan I chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Attempted to validate the alledged debt on my Transunion credit report for XXXX XXXX acct # XXXX. Transunion failed to validate this account properly and remove it from my credit report. There are many inconsistency as you will find attached.

1. In the response from XXXX XXXX, they sent a copy of the application, as you can see the date of birth, social security number, and drivers license is all blurred out. How can Transunion say that they verified this information is mine, when the OC send over information that is missing/covered up.

2. On the application, it also says my current employer at that time was 'County ' ; I have NEVER worked for the county I live in or any county for that matter, and it shows current, past employers on my credit report.

3. They have on the application that my cell phone is XXXX and my work phone at that time is XXXX. I have NEVER had any of those numbers belonging to me, and NEVER have I worked for an employer with that phone number as well.

ALL OF THE INFORMATION ON THIS APPLICATION UNDER MY NAME IS INCORRECT AND DOES NOT BELONG TO ME.

Lastly, if you look on the summary of billing they provided me, the numbers do not match up either. All of the information is incorrect and it does not be long on my credit 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 explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for XXXX weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that XXXX would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn.

I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an inmigrant there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.

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