BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: American First Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I financed a couch and recliner from XXXX XXXX XXXX  XXXX back on XX/XX/XXXX with American First Finance for roughly {$1600.00}. They offered a XXXX days same as cash option for paying off the items. My payment was XXXX dollars twice a month. I made my payments every month. Once the XXXX days were up, they applied the 136 % interest rate from the original date of purchase which took the XXXX dollars I had paid and applied roughly XXXX dollars in interest showing I had only paid XXXX dollars. As of this day XX/XX/XXXX, I have made another XXXX dollars in payments and my payoff is still {$1500.00}. Being a current XXXX XXXX service member I understand what protections I have. Ive also had an account with American First Finance before. Although it took roughly 6 months to get my interest fixed the first time, it eventually was. This time is different however. Since the end of XXXX I have been trying to get them to fix my interest rate. I have explained to them under the Military Lending Act, XXXX XXXX service members are not allowed to be charged more then 36 % interest. Every time I call I get told that my account will be escalated to the back office and I will receive a phone call in 48 hrs, this never happens. I was then told I needed to email proof that I was in the military to XXXX. So I did what I did with my previous account and emailed a copy of my most recent XXXX ( paystub ). Roughly two weeks later I received a phone call from someone who claim to be a supervisor saying they needed a copy of my enlistment contract. I told him that it wasnt needed last time and its not needed this time. At no point could he explain to me why they needed a copy of my enlistment contract when I explained to him Ive already sent a copy of my current XXXX which shows Im still in. He then decided to get rude and say I was refusing to work with American first finance. I said that was wrong and I would be happy to talk to someone who actually handles the accounts. Was suppose to get a call in 48hrs and I never did. As of today, XX/XX/XXXX, I spoke with a representative who informed me that I dont meet the criteria for the SCRA. I explained to her that charging the interest rate they are isnt a violation of the SCRA as I acquired the debt after I was already in service but a violation of the MLA ( military lending act ). She put me on hold and then came back and said that they dont follow the MLA. So I asked her how they couldnt follow a federal law? She didnt have an answer. I asked to speak to a supervisor and she refused to connect me with one and gave me the same answer as stating she would escalate my account to upper management. This company is based out of XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company that I am formally accusing is PayPal for their loss of a payment submitted to them from this past XXXX for {$79.00}. The payment was submitted via money order from XXXX. I contacted XXXX, they said the order was cashed on XXXX XXXX. Whoever the person was that cashed it, I have no idea! I am not responsible for this bout of incompetence, I have the stub from the money order. I have tried being patient with these XXXX but my patience has run out! I have to obtain the info in the money order to submit to you along with their latest bill. I am out of patience with these XXXX, and I am sure you have your share of complaints against them. I also wish to bring charges against PayPal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: GA
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:
I am receiving threats and intimidation from NAVIENT, saying that I am 120 days delinquent when in fact I have already paid off the loan ( s ).

NAVIENT, cashed my checks which covered the balance of the loan ( s ) on these dates : XX/XX/2018 CHECK XXXX Check Paid # XXXX {$630.00} XX/XX/2018 CHECK XXXX Check Paid # XXXX {$280.00} Further, NAVIENT is very abusive in that they try to force you to speak with an automated voice robot and will hang up on you if you refuse, which does not solve any issue, it only creates others. This is a very poor communicating company and they are falsifying records

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze with Experian. During the process, they provided a PIN to manage the state of the freeze. 

In order to lift the freeze, I provided the PIN. It claimed it was invalid, and that it would ask questions to verify my identity. No questions were ever asked. Instead, it dropped me into a form requesting physical copies of my # SSN card, drivers license, and a bill showing my address. I am uncomfortable with mailing what amounts to a perfect identity theft kit through physical mail. 

This is the only way Experian will allow my freeze to be managed. Their customer service lines only direct me to the website, which sends me to the mailing option. 

Experian therefore has offered me no way to allow me to identify myself to remove the credit freeze within one hour. This is required by the FCRA, and I consider this a violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notice from XXXX XXXX that my credit score went down because of a closed account. Upon research I discovered this was a result of Bank of America cancelling one of my credit cards. I contacted Bank of America and they explained it was cancelled due to none use. 

I explained to them that I had that credit card since XXXX and had to request a new one in XXXX that had a chip and could be used world wide since we travel over seas and the old card would not work over there. At that time the Bank of America associate told me to go ahead and keep the old card in case I needed it or if something happened to the new since there was no fee or cost to keep it open ( That was XXXX years ago ). 

I further explained that if I could get a credit increase on the new card equivalent to what I lost with the old card that may restore my credit score and rating. The situation is this, 1 ) I retired early in my XXXX 's and no longer have an income. 2 ) I am able to live off my saving until I reach XXXX at which time I will receive social security and will be able to also access my IRA retirement accounts. 3 ) They are unwilling to state whether I could get approval for credit increase since I do n't have a income. 4 ) They ca n't state if they make a credit inquiry whether it would be soft or hard request. 5 ) If it gets denied then my credit score could be adversely effected even more by the denial and subsequent hard request action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 've had an American Express XXXX XXXX XXXX account for about a year now. I rarely use it. Only to store funds in. Recently I linked an external account to the american express account for withdrawals in and out of the bank since this account does not come with a card. I initiated a withdrawal from the account and I 'm thinking it went fine until a week later I check my account. My funds were never transferred they were reversed for some odd reason.I called the bank 3 times back to back. The first time I was telling the CSR my account information, then suddenly I got hung up on. The 2nd time CSR put me on hold to be transferred to a different department ... got hung up on again. The 3rd time I was speaking to a CSR after being told that I would get a call back, I got hung up on for a 3rd time.  So I 'm highly furious with their customer service. They 're holding {$380.00} XXXX and will NOT give me a reason why. My account is n't frozen or anything that I know of. I have n't received any emails stating there 's an issue with my account. I have contacted the Federal Reserve because this is highly unacceptable. I even tried closing the account and requesting a withdrawal. They 're refusing to close my account or allow me to have access to my money. I attempted to close it twice already and my request keeps being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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:
I have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

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 2021-09-09
Company: GLOBAL SOLUTION BIZ LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a text message from XXXX that read XXXX, XXXX XXXX, Contact XXXX at Global Solution Biz regarding your XXXX XXXX XXXX case in our office. We have made numerous attempts to reach you with no success. Balance Outstanding {$8500.00}. I want to know if you can close and settle for $ XXXX. Your case number is -- -- -- -- -- - and our contact number is XXXX ext XXXX. Or via email XXXX. Thank you in advance for your cooperation. Then the message was immediately sent a second time. 

I responded, you have the wrong number, do not contact me again. You're harassing the wrong person and with my legal background I hope the person you're looking for does not see this as sending this info is illegal. If you call/text this number again, expect a lawsuit. 

They immediately responded in ALL CAPS. 

WE SPOKE TO XXXX XXXX AT THIS NUMBER. HOW DO WE HAVE THE WRONG NUMBER?? 
IT SAY XXXX XXXX ON YOUR VOICE MAIL. 
I OFFER A SETTLEMENT ON THE BALANCE YOU OWE MY CLIENT SO HOW DO YOU WANT TO PAY THIS? 

I responded, you have a lawsuit coming. If your client had any grounds, that's what they would do. Not hire an unprofessional collection agency like you. 

They responded again in all caps MR XXXX MAKE SURE THERE IS A CHECK ATTACHED TO IT FEEL FREE TO CONTACT MY CLIENT AND ALSO PAY THEM WHAT YOU OWE. THANKS HAVE A GOOD EVENING XXXX XXXX I responded : XXXX, you have been notified to stop contacting this number multiple times. What is your mailing address? You've broken at least 4 laws in this 1 conversation as well as contradicted yourself by saying you've attempted to make contact several times with no luck and now saying you've spoken already. If you think harassment is going to get you anything other than a lawsuit, you're sadly mistaken. If you feel mr XXXX owes you or your client money, I suggest you file a lawsuit yourself rather than harassing me via text message. No legitimate business would do that. You hold no credibility with me and i'm sure this is a scam attempt. I will now notify the FTC. Typing in all caps like an upset school girl, just shows you are not a legitimate business. Good Day Maam. 

They replied again in all caps MR XXXX STOP HARASSING ME, I SAID GOOD EVENING AND YOU KEEP TEXTING. 

I REPLIED : What is your mailing address and what state is your collection agency registered? Any real agency is required by law to answer that question. 

They replied : HAVE A GOOD EVENING! 

I replied : what I thought, you are a fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a document from XXXX dated XX/XX/2020 in regards to a forbearance plan that was offered because of the covid-19 pandemic. My issue with this document was the fact that it also included my name and my ex husband 's name which in about a year ago I had submitted to XXXX a divorce decree and a quick to claim deed. My borrower is not worried that my ex-husband is still included on paperwork where he doesn't reside and he has no claim to my property. When I call the first time about it on XX/XX/XXXX they had transferred me and when I try to get back through I could not get through to anybody at customer service when I try by the morning of XX/XX/XXXX the gentleman I spoke to basically told me I was worried for nothing and that it wasn't important if his name was or was not on my paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: OH
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 have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against XXXX XXXX and Experian for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took a private loan for about {$8000.00} private loan and some federal loans. My private loan doubled in interest. Reps were very hard to work with, no empathy at all. Borderline harassing and threatening calls.I have tried to lower payments and get a reasonable monthly payment to repay with no luck. My credit is now damaged and my wages are garnished. I can barely make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  Equifax XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AMERICAN ADVISORS GROUP
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a mailing stating I may be eligible for a reverse mortgage & called AAG. On XX/XX/XXXX I spoke to a XXXX XXXX & he said he would research it for me. He called me back that day & said I would not be eligible. I thanked him for his time and concluded our call. On XX/XX/XXXX I received a gigantic over night package from XXXX XXXX with AAG with numerous papers to included an agreement pertaining to out agreement for a refinance. I did NOT make any arrangement or agreement with this company. Since they did a credit check on me I already have a ding on my credit & I am suspicious that they are trying to do something to which I did not consent to. Please advise me. 

Thank you so very much, XXXX XXXX

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