BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: NJ
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 been a target of identity theft and accounts were opened without my knowledge and On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were opened fraudulently are associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items was not opened by me and is affecting my ability to build my credit and is hindering my ability to progress in life during these trying times I have been fighting hard to have my credit and good name restored but experian is refusing to remove these items, these negative accounts do not belong to me as its been well over 60 days plenty of time for the company to correctly investigate and remove and delete these items Ive spoken to the companies reporting and no one has helped me in my quest associated with those personal information that did not belong to me in the first place.

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 2020-05-15
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When i signed this loan I was told my payments would be due on the XXXX of each month, starting XX/XX/XXXX. The company has withdrawn the balance due directly from my account on three occasions, several days BEFORE my payment is due. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Taking money out of my account days in advance of when it is due causes a hardship. 

The company has responded that this is their regular processing and is a matter of timing considering some banks don't release the money right away when a request for a payment is made. 

I want this process of taking money out of my account early to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SANTANDER BANCORP
State: PR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Point of Sale system closed on XX/XX/2019, but still getting charged monthly for merchant service. I contacted bank and case was opened last year. I still have not received funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY lender does not want to remove the differed principal as per the principal forgiveness program as of XXXX after the court settlement to reinstate the loan. 

They purposefully forced by not accepting payments under hardship and took me to court demanding full payment and then a foreclosure and sheriff sale date, which ended in the court by me providing the proof of funds to the judge and he asked then to reinstate the loan as per the agreement. Which puts both the parties at the original point. 

They include in the statement all late fees and legal fees and interest and every possible way of making more money from me, I paid every single dollar and they still do not honor the original agreement as of XXXX. I have emailed the servicing company multiple times and they fail to understand and the Lenders are unreachable. 

The original loan was in XXXX. 
The Loan was modified in XXXX. 
Court settlement in XXXX. 

If you investigate into this loan you will see the Loan origination fraud and the unethical Practices of the lenders.

Please refer to section 3.C of the loan modification and compare with my current month statement and you will notice that in the current month you still see {$140000.00} of the {$210000.00} still showing up on my statement till date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I processed 2 payments for consulting services through Paypal Here. Paypal immediately limited my account, and requested extensive information on the transactions. 

I proceeded to provide the information to Paypal, to which they claimed they needed more information. I provided the referenced information, including my service contract, contact information for payee, and other details. 

Paypal then unilaterally claimed my account was too risky and they were entitled to hold my payment for 180 days. This is straight up fraud on Paypal 's behalf. They hide behind their user agreement with no specifics, and attempt to withhold small business payments. 

Given the current pandemic, companies like this should be prosecuted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received a letter informing me there was an account in this collection office ; therefore I was not given a fair chance to dispute this before it went on my credit. Since the account has been reported on my credit I have sent a letter requesting validation of debt with no response. I have disputed with the credit bureau. The companys response was this is valid but never sent me proof of debt or an explanation of how its valid. I then disputed with the CFPB and the company didnt respond until they were contacted a 2nd time by the CFPB. In there response they said they have never contacted me which means they never sent me a letter advising I had an account in there office which is required. I refuse to pay someone that can not provide proof of a debt after 4 outreaches. Not to mention this should not be on my credit since I never received written notice there was an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF 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 2017-12-08
Company: JPMORGAN CHASE & CO.
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 had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, My lender ( Chase ) issued me a short sale approval letter today and it expires on XX/XX/2019. This is ridiculous. There is no way that the buyers lender will be able to adhere to the TRID Guidelines. 1 ). The lender has to have 3 days to get the disclosure out to the Buyer 2 ). The Buyers Underwriter has to review and 3 ). Underwriter conditions would have to be cleared prior to closing. So, there is a reason that the TRID laws state that a lender has 45 days to close. I NEED HELP!!! The Short Sale Lender only approved the short sale for 4 days, which is unheard of. The are not only being unreasonable, but they also are not in compliance with the TRID Laws. I have done everything that i can to get this to happen, but if the lender refuses to cooperate, then i have no choice but to get you involved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a mastercard from Citi that requires an annual fee. As Citi removed feature after feature from the card, I finally realized a card with a fee made no sense. So, I applied and got a new card and started what I thought would be a straightforward cancelation process - especially as I've already told Citi I wasn't happy with what they were doing. I started documenting my card cancelation process with Citi ( via their chat feature ) on XX/XX/2020. This was not the first time I tried to cancel the card this year. On XX/XX/XXXX, Citi ( XXXX ) responded that I had to call Citi. My chat session shows that I had tried to call, but that the calls disconnected multiple times. I waited, not wanting to expend the amount of time Citi might require, but I tried again on XX/XX/XXXX. No success again and I went the chat route to find out when a good time call might be. I was told Citi could be reached 24x7. Still, I waited. Not wanting to deal with the Citi unpleasantness, but knowing I really didn't want to have an annual fee assessed on me again. So, XX/XX/XXXX. I called again. I waited 37 minutes. And, the line got disconnected. Again. I had the idea that perhaps I can mail back the credit card I'm trying to cancel. The next chat person ( XXXX  ) said that I could not and proceeded to school me that we have a pandemic!! 

Bottom line : What I see is that Citi has made it impossible to cancel a card. My annual fee isn't huge, but I want to save every dollar I can and Citi is not allowing that.

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: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Kriya Capital, LLC
State: AR
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 continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. 

Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have received six phone calls in a couple of hours from five different numbers all claiming to be XXXX in regards to a {$720.00} dollar purchase in XXXX, Ohio that I have NOT made. I called the XXXX store and they claim NO calls have been made by them and they do NOT call. I never answered the calls for I figured they were fraud. 
The numbers are as follows : XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX And XXXX at 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 2022-01-07
Company: Klarna AB
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Klarna XXXX has an inquiry on my credit report that I did not authorize. I do not know what this is or why they ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.

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: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.

Company response to consumer: Closed with explanation