BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX representative called to collect a debt and had the wrong address. Ive written emails to dispute however Im faced with several calls indicating I owe a debt.

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 2018-11-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In mid-XX/XX/2018 we began the process of applying for a home improvement / cash out refinance loan to replace the roof on our home. 
We approached our current mortgage holder - XXXX XXXX - and our local bank where we hold our accounts - Chase - for their best rates. 
XXXX. XXXX offered us very favorable terms, but when we presented these to the Loan Officer at Chase he agreed to undercut their fees by several hundred dollars. 
We, therefore, opted to proceed with our application to Chase. 
In early XXXX we proceeded with the application, income verification and appraisal process. 
The Chase XXXX XXXX indicated that we had been tentatively approved. 
Late in XXXX, however, the Loan Officer phoned and informed us that Chase would not make the the home improvement loan because the home needed some repairs - namely the roof - which we had indicated was the purpose of the loan from the beginning of the process. 
After several days we had not received any notification in writing about their adverse decision. I spoke with the Loan Officer who indicated that a letter would be forthcoming. 
A couple of days later we did receive a letter from someone we had never met nor dealt with who indicated that he 'was sorry that we had withdrawn our application. ' We did not withdraw our application. I spoke again with the Loan Officer who, once again, assured me that the proper letter would be forthcoming. 
Today, XX/XX/XXXX, I received a letter in the mail - again from the same fellow who we have had no dealings with - stating that we had withdrawn our application. 
Let me state unequivocally that we did not withdraw our application either in writing, verbally, expressly or otherwise. They simply have turned us down. 
Despite several attempts on the phone and by email we have attempted to get Chase to provide us with the required letter explaining the reasons for their adverse decision. They seem unwilling to provide one - we can only speculate as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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: Account status incorrect

Complaint:
I have completed the final payment on my car loan and it is still reflecting I owe money. In XX/XX/2018 it shows that I was late on my payment. Incorrect 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 2017-10-13
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Gold Star Finance, Inc.
State: TX
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:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. THIS ACCOUNT IS REPORTING AS A CHARGOFF AND I AM STILL RECEIVING COLLECTION ATTEMPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
There was a bonus when I signed up - XXXX bonus when you make $ XXXX in purchases in the first 6 months. I met that spending requirement but I never received my XXXX Virgin Atlantic miles. I've contacted Bank of America already but they continue to deny 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 2018-11-08
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 account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.

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 2022-01-11
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On about XX/XX/21, I received a debit card in the mail for XXXX. I never opened an account with them, nor do I have an app, yet I received the card. I sent an email to them and they notified me that the account was closed and an alert was placed. I then received a card in the mail on XX/XX/21 from XXXX XXXX. I do have the Cash App downloaded and I use it, but I never requested a card. I have contacted them but am waiting for them to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City, State, Zip Code : XXXX Georgia XXXX Date : XXXX XXXX To the Complaint Department Name : Equifax, XXXX or XXXX I am writing to dispute the following information in my credit file. 

The item at XXXX XXXX in the amount of {$770.00} is incorrect. I have never opened an account with this source or company. I have never lived at the address in XXXX. 
I am requesting that the item be removed to correct the information. 

Also I was just notified about a {$300.00} bill for XXXX XXXX XXXX  I honestly dont know what is going on but its stopping me from moving into my apartment I have a XXXX XXXX old daughter and its cold outside and Im trying to get her in a worm environment please help me Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: OR
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  XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.

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 2019-04-02
Company: Experian Information Solutions Inc.
State: NV
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:
A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our XXXX XXXX dropped to XXXX4. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.

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 2019-07-18
Company: AES/PHEAA
State: PA
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 submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due. 

I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation. 

I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: CT
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 filed a complaint with Experian about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. 

Both letters were sent via certified mail and the signature receipts are attached to this as well.

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 2019-07-18
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a puppy from XXXX XXXX XXXX and they helped me apply for a loan with this company called American First Finance/ XXXX XXXX XXXX XXXX for {$2400.00}. The retailer where I purchased the puppy from did not advise me out the buy out date and the loan company also did not advise me of the buy out date nor the interest rates via print or electronic disclosure. There was no information given to me in print or through electronic disclosure when I signed up for the loan. I attempted to resolve this issue with the loan company and see if they could work something out with me regarding the buy out option because I never received the information from either company they just began drafting the money from my account without disclosing this information. I tried to speak to a manager at the loan company but when I call the call center all they say is that a manager will reach out to me within 2 business days and I have yet to receive a call. I keep getting the run around from American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
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: Account status incorrect

Complaint:
This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.

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 2019-07-18
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Upon taking out this loan, Title Max assured me that the interest rate would be 9.99 % to pay back the loan entirely. I was not informed that it would be more than that. I was not given anything to read just asked to sign electronically and XXXX stated she'd reached out to the regional director to get preferred pricing totaling 9.99 %. She spoke very fast and assured me that the overall interest would not exceed 9.99 %. I'd come into hardship after the government shutdown from XXXX of XXXX thru XXXX of XXXX and during that time became aware that none of my payments were applied to the principal and that the interest rate was more than 9.99 %. I'd paid thousands of dollars in interest. That was not what XXXX promised. It has caused further financial hardship to me that to date I've not been able to recover! 

I've worked out an arrangement plan with a manager in corporate resolutions to pay what I can until things get better and WITHOUT my vehicle being in jeopardy of repossession yet each time calling has not been a good experience. Their reps are intentionally refusing my payments. I'm being told they get incentive or monetary value for processing payments received. Low payments affect their incentive. This is not my issue. On XX/XX/XXXX, I made a payment with XXXX and XX/XX/XXXX made a payment with XXXX after XXXX ( a manager )  refused to make herself available to speak to or help me. Worse yet, both times my credit card number was taken, repeated back to me and after disconnecting, I later found out the payments weren't applied. Why'd they take my card number then? Was it safeguarded or shredded? This has to be a violation of my privacy if not. I was provided a confirmation last payment ( XXXX. This business practices are unethical. I'm getting calls repeatedly harassing me that I'd had to ask to be placed on a stop calling list. 

I've just gotten a call from someone telling me that my payments are being reversed because they aren't enough which was unprofessional. This is a scam! It was deceptive for TitleMax to tell me that the rate ( interest + principal ) is 9.99 % and then fail to disclose that it's really over 300 %. I feel that I've been taken advantage of severely. I would not have taken out this loan if indeed I'd known the truth. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I extended my lease with XXXX XXXX of XXXX XXXX NY for another 6 months. I am up to date with payments and the dealership told me that I am all set and to simply continue making payments. I have been receiving notices in the mail and calls to return my car, as well that I am behind in payments. I called them several times regarding the same issues to explain that I am current, and extended my lease. The last time I spoke with them they said to please disregard the notices as they made a mistake. My credit report now shows someone elses delinquent account that I am not a co signor for, and my credit score has gone down over 70 points because of this. I have been trying to reach them again and have been given the run around. No one has called me.

Company response to consumer: Closed with explanation