BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. edfinancial  XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}

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 2017-12-08
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the validity of this medical bill on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and in XXXX directly with Alliance. I have also disputed with all the credit bureaus. Alliance have failed to provide me with physical evidence bearing my signature as requested. They only provided me with a generic bill not an original statement from the creditor. I have not contract with Alliance agreeing  to pay them but yet they have ignored my numerous request to provide me proof. They mailed me a verification letter of my name and address which is not what I requested. I would like them to remove this account from my credit reports as this is causing damage for me to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional mortgage with Third Federal Savings and Loan. My application was denied. My loan officer was XXXX XXXX ( NMLS XXXX ) who called me to share this information with me and said the reason was because of a settlement that I made on a 2nd mortgage I did back in XX/XX/2013. When I asked XXXX if there was a time frame until I can reapply again she told me " Probably never again ''. I asked her to please send me a formal denial letter from management and one was never sent to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I send follow letter to Westlake Financial Dear Sirs ; Last XXXX / XXXX2020, I spoke with 2 customer service agents, and nobody supported me in my request, the first person hung up on me, Agent XXXX XXXX, and the second character, I don't even remember the name, by the way he does not speak Spanish very well, he was a man who informed me emphatically that they CAN NOT HELP ME. 

This day ( XX/XX/26-2020 ) I spoke again, to request help, in the sense of the EXTENSION OF 2 MONTHS of payment of my credit, I have been without a job since last XX/XX/2020, to date ( COVID-19 ) I have been punctual with my payments, but I am like a good percentage of the world population, with financial problems due to lack of income. 

So in the most attentive way, I ask you to approve the extension request, so that the lack of payment does not affect my credit record. otherwise I will find myself in the painful situation of stopping paying the credit and going to whoever is competent to denounce the lack of support from Westlake Financial. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was notified by phone on XX/XX/XXXX that loan was in default and told that I had until XX/XX/XXXX to set up payments on the rehab program or I would incur a 19 % fee which would be XXXX. He wanted info about my AGI from tax return so I did some research to make sure that it was legitimate then attempted to call back with that info from my tax return. The wait on hold to talk to someone at PHEAA was always a long time and they are unavailable on the weekends but I finally reached someone, XXXX, on XX/XX/XXXX. The payment using my AGI was too high so we began the process of going over my income and my husband 's along with expenses then the call was dropped. I had to call back when he didn't and wait on hold again. I asked that he call back since he had my info. He did so on XX/XX/XXXX and I signed the form electronically to allow biweekly payments to begin XX/XX/XXXX while he was on the phone. He then said that he will email the agreement to me and my husband to sign and return. I had an email from them on XX/XX/XXXX but couldn't retrieve it. On XX/XX/XXXX a paper copy was received but didn't appear accurate so I tried to get ahold of them again to discuss it and did talk to someone else on XX/XX/XXXX only to be told that I now owe XX/XX/XXXX in fees in spite of the fact that I was trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
I have spend hours on the phone with equifax attempting to get my credit temporarily unfrozen. I have the information with PIN number, ss etc. They told me my file is incomplete, so I submitted every bit of information they asked for via fax. Yet they still report they are missing information, and when I call they can tell me nothing else. This is ridiculous, they have all the information needed. The other 3 credit bureaus took 2 minutes to lift a freeze, as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

This showing up on XXXX, XXXX, and XXXX. 

Thank you for assistance on correcting this matter for me. 

XXXX XXXX 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 explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, XXXX, and Transunion to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. 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 explanation
Consumer complaint received 2019-08-26
Company: FirstPoint Collection Resources
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Firstpoint collection resources is reporting an collection the credit report for an original account with XXXX XXXX XXXX XXXX. I spoke to Ms. XXXX XXXX on XX/XX/19 with XXXX  collection department who stated that she is unaware of this company and what they are collecting on. I am asking for a removal from my report and has mailed a validation request to Firstpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for verification and the letter attached is what i received. I want the actual signed contract.

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 2019-01-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not have enough time to review the documentation that I have submitted, but they came back and countered my offer and when i give them a contract for the amount that they countered now, they do not have enough time to review. This is ridiculous, and I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and a desire to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I worked with a Bank of America Rep to setup auto-pay on my credit card account.

XX/XX/XXXX I was told my auto-pay payment was active.

XX/XX/XXXX I received Billing Statement stating that the auto-pay was active.

XX/XX/XXXX I received credit alert that I had deliquent account.

XX/XX/XXXX Bank Of America Rep says auto-pay was pending, will be active next bill cycle.

XX/XX/XXXX & XX/XX/XXXX I am refunded for late payment and interest fees associated with the error from the auto-pay setup.

XX/XX/XXXX My account closes the year with no fees or interest charges. 

Bank of America removed the fees associated with the auto-payment error but has not removed the 30 days late from credit reports.

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 2020-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A Month or 2 ago I specifically requested that my bank account with Wells Fargo be closed. The customer service representative assured me that he had closed my account and no further action was necessary. However, Within weeks I had service charge fees in my bank account was not closed. I contacted Wells Fargo and they Assured me a second time That it was their mistake and it will be taken care of. Here we are now and I am in negative {$350.00} And I refuse to do any further business with them or negotiations. They are notorious for not keeping their word and they could give XXXX XXXX  less about the customers, hence why there's now a XXXX special on such a despicable company.

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 2019-01-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We received the first letter of payment owed on the disposition fee of a returned lease vehicle on XX/XX/XXXX by mail. They started harassing phone calls on XX/XX/XXXX. So they only allowed 15 days to pay a bill and then started calling work, cell and home, twice a day. I told them I would pay the bill as I always have and that we have NEVER been late. They continued to call everyday, multiple times a day. 
When I tried to explain that I think they are being a little aggressive for a customer that has 2 leased cars with them, has never been late and who just received the invoice, they didn't care and basically accused me of not wanting to pay. 
Rest assured the 2nd leased vehicle WILL definitely be turned back in and we WILL NEVER lease with XXXX or Toyota again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my wallet on XX/XX/XXXX which contains one of the Credit card issued by Bank of America, at the time I didn't realize I had lost the wallet. On XX/XX/XXXX, I was notified by BOA online website about two fraudulent charges made on the credit card in the amount of {$150.00} and {$500.00} on XX/XX/XXXX. I immediately flag the two transactions as fraudulent and reported card lost on their website. I also opened 2 claims on those two charges on XX/XX/XXXX. After I made the 2 claims, the next day I was temporary credited for the two fraudulent charges. 

On XX/XX/XXXX, I received a letter from Bank of America notifying me that the fraudulent charge in the amount of {$150.00} was indeed fraudulent, hence they credited my account for that amount. 

On XX/XX/XXXX, I received another letter concerning the other fraudulent charge in the amount of {$500.00}, they found that it was not fraudulent because the service/good purchased with the card had the correct billing address at the time of purchase, they deemed it not fraudulent. I was liable for the amount of {$500.00} My balance on the card was reflected with the outstanding amount due on XX/XX/XXXX, and I didn't have that amount of financial asset to pay off the balance due to the recent mortgage I applied back in XX/XX/XXXX On XX/XX/XXXX, I called Bank of America Fraud department ( XXXX ) about the claim denial of the fraudulent charges of {$500.00}, I further stated that I lost my wallet along with my card, that would explain why the billing address was correct then the charges was made. I asked to have the claim re-opened. I also inquired about what happens to the outstanding balance due to the claim denial, does Bank of America temporary credit my account for the charges while they investigate? They said no, I will have to pay it off or make minimum amount before XX/XX/XXXX and accrue interest. 

On XX/XX/XXXX, I called Bank of America Fraud department again asking what is the status of the appeal for the claim denial in the amount of {$500.00}, they told me that it was denied again. 

The due date of the outstanding balance is near, I am not able to pay the {$500.00}, it would require me to cut down my other daily life necessary expenses. 

I couldn't understand that the two fraudulent charges were made on the same day, it deemed on fraudulent and the other not.

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 2018-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
For over a decade I have been denied credit by USAA, that uses XXXX XXXXXXXX XXXX which they are in partnership with. They deny me with vague and non specific language. I have never got any loan with them. I am forced to apply for high interest loans with other companies, even though USAA claims to save their " members '' money. I can't get out of the hole with high interest loans, pay day loans and pawn shops, I make XXXX per year and yet this is not enough to get a {$2500.00} loan form USAA. I may not live to 100 and have perfect credit to satisfy their stratospheric loan requirements. I believe they are discriminating against me. 

Their is no rep to call, appeal process or address to write to, they just offer the free credit report. I am tired of being a victim to a non-human AI computer, that sees me as just a credit score. I could make XXXX XXXX per year and USAA still would not give me a loan. I have had problems with checking, auto loans, insurance and I still can't get a small personal loan, even if my life depended on it. USAA advertises on the TV and makes extraordinary claims on how they help people in the military but, I feel more like a victim than member. All the high interest places will loan me money at a high interest rate. Does USAA invest in them and then profit off the misery of their misled members?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Federal Pacific Credit Company, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: NJ
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/XXXX I sent a dispute to Equifax regarding a collection account that was improperly being reported on my credit profile with their company and should be removed. 

On XX/XX/XXXX Equifax closed my dispute noting that they verified the account. They updated the tradeline, re-aging the account and lower by credit score by 5 points. This was not only incorrect but illegal. 

The account in question that I disputed is with a collection company named XXXX XXXX XXXX. There was no way for Equifax to verify this account as they alleged in their response to my dispute because I have proof that XXXX XXXX XXXX deleted the tradeline on XX/XX/XXXX. XXXX and XXXX both removed the tradeline as a result, however Equifax is claiming that this tradeline which was deleted by the company has been verified. Equifax has gone as far as updating the account to reflect the last activity on the account as XX/XX/XXXX. This illegally re-ages the account to make it remain on my credit profile longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME. ADVISED THE BUREAUS AND CREDITORS.

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 2017-12-08
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.

Company response to consumer: Closed with explanation