BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
speedy Cash would not stop renewing the loan. I was told my payments would not go towards paying off the loan because I was " current ''. Rep at XXXX XXXX, tx location said I would have to default first before the corporate office would speak to me about making sure payments would go to pay off loan. This forces consumers to keep paying monthly amounts without getting anywhere. Then if you default you may or may not be able to work with corporate office. This resulting in negative reporting on your credit report. Speedy Cash also hurts people by falsly reporting " open '' account status so it continues to look like a new credit ding and uses collection agencies to do the same. Doing this does not let the account age and has a severe continuous monthly impact on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Lockhart, Morris & Montgomery Inc.
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my debit card was stolen from my home along with my phone. A police report was filed with the City of XXXX, XXXX, NC police department. Report number XXXX. He was arrested and arrainged in XXXX County Court on XX/XX/XXXX. Withdrawels were made by the perpetrator and card was given to another individual who used the card and made debt card transactions. Both indivduals have been arrested and are locked up in the XXXX XXXX XXXX XXXX in XXXX NC. The second person was arrested and arrainged in XXXX County District Court on XX/XX/XXXX, File # XXXX. As of today, XX/XX/XXXX the bank has not returned any monies to my account and my account is {$1300.00} overdrawn. I have called and provide police records, details etc and the bank continues to not replace monies lost to this fraud that was commited against me. 
The Bank of America fraud team just continues to deny claim and not update any information to my case. Repeated phone calls inquiries to my claims just continue to be ignored. Please assist me in retrieving the XXXX that is due to me. 

Sincerely, 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 monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MD
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:
There are unauthorized credit inquiries on my credit profile.

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 2021-01-29
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a phone bill with XXXX  which went into collections because of the financial situation I had. XXXX XXXX XXXX  report my account to FRANKLIN Collection account number XXXX. After my financial hardship was resolved, I contacted Franklin collection and resolved the bill. Frankrin agreed to delete this from my credit report through the credit agencies. Today, the account is still showing on my credit report as paid not not deleted as agreed. i have tried to resolve this with franklin to no success. Please assist so Franklin Collection can get this record deleted from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My husband had his social security card stolen and we never knew about a XXXX account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to XXXX. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have reached out numerous times to all equifax regarding a XXXX account numerous times with no success. This account is considered a secured card which I understand means the credit limit is funded by the owner of the account. I would not have spent any amount of money just to let it go delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: AES/PHEAA
State: MN
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 applied for two personal loans for my educational expenses while enrolled at XXXX University. This loan was applied through XXXX. This loan is managed through American Education Services. One loan was dispersed XX/XX/XXXX the loan amount was {$4000.00}. As of XX/XX/XXXX I have paid {$2600.00}. According to American Education Services this loan as of XX/XX/XXXX the total due is {$3400.00}. 

I have written letters asking for clarification regarding the balance and lack of regular statements. 
I have written letters on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is not a complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting Debt papers that I never took or open accounts, I'm requesting to provide me with my signatures showing that I opened some kind of account. Also I have the proof that I have never been in CA as I see those accounts from CA, second I came to USA in XXXX, I came in XXXX to work on cruise lines, so obviously I couldn't be on the land opening accounts and buy some things

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 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX   denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.

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 2021-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a complaint with Equifax and XXXX  because I have advised them that the following accounts are not my accounts and they need to be deleted from my credit report and they are still showing listed. These accounts need to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Direct Home Loans, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madam : Unfortunately, I need to file a complaint for a Dodd-Frank violation against DHL Mortgage Company in XXXX, NC. I was employed by the company from XXXX,XX/XX/XXXX until XXXX,XX/XX/XXXX I have been a loan originator in the mortgage industry for over 25 years. 

During the final month of my tenure with DHL, the company started paying me based upon their profitability on the loan rather than the loan amount. They illegally punished me for the costly lock extensions that were necessary due to their companys inability to process or close loans in a timely mannermany of these loan applications were taking upwards of 150 days to close due to the lack of loan processing and closing administrators. 

Additionally, they retroactively charged me more than my entire commission for three loans that were prepaid within six months.

I am attaching an email from the president of the company which explicitly outlines these illegal activities. 

I am also attaching a copy of my work agreement with my previous firm, XXXX XXXXXX/XX/XXXX which explicitly outlines my loan payments that were completely in compliance with the Dodd-Frank that states that originators can no longer be compensated based upon the profitability of the loan, only based upon the loan amount. 

I am unaware of whether this practice by DHL is related solely to my loans as an originator or if it is a company-wide procedure for the other 6 loan originators at the company. However, I would like to request an investigation of this matter by you at your convenience. 

Thank you for your time, XXXX XXXX XXXX NMLS XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact Equifax, XXXX and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that XXXX NEVER requested from XXXX and Equifax ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX XXXXXXXX XXXX, XXXX ( XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed up for a Loan with Nelnet. The terms were as follows. Total amount XXXX with four payments of approx. XXXX. They charged the first payment amount correctly, in XX/XX/2019 But then increased the amount due to a school error. They charged me XXXX and refuse to refund it. Even though the school has corrected their records. When I call them they say there is nothing they can do. Agreement Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: RIGHT START MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
An appraisal was done on my property on XX/XX/XXXX. The value was way lower than it should have been and therefor no loan was provided. I paid XXXX dollars of my money for that appraisal and just found out it was just submitted to HUD on XX/XX/XXXX? This is ridiculous and not only am I stuck with a low ball value on my house for 6 months I am also out XXXX dollars because some XXXX  lender sold me and told me my house was worth XXXX! The appraiser is also wrong! It should have come in around 360k but im being XXXX  on both sides and as a consumer this is XXXX! I called HUD and they told me that the XXXX that I paid didnt even goto the appraiser because he hasnt even gotten paid? At this point I want my refund for my appraisal and I want this XXXX value erased from the HUD system. This whole thing is a bunch of XXXX!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Big City Finance, LLLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and several accounts were open under my information. I filed a police report against Power Finance. I have not received any emails or phone calls to get this resolved. I want this account to be deleted and removed from my files. Please see my police report that contains the date, amount and account information that was falsely opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: National Collection Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I previously paid a tuition debt with XXXX XXXX University in the amount {$1600.00} in XX/XX/2019. I paid this amount directly with the University and not with a debt collection agency ( National Credit Management ).  I never had a contract or have done business with this company yet they are reporting a closed account on my credit report which is erroneous. I have requested payment and debt validation from this company yet have received nothing in return. I Have disputed this account with the 3 credit agencies but have yet to gain a resolution. This company is reporting false information and is violating my rights under the Fair Credit Reporting Act. I have been subjected to undue financial burden due to this false and illegal credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a purchase at Lowes that cost {$7500.00}. My Lowe 's agreement that my interest rate would be XXXX for 84 months. In XX/XX/XXXX, they added all of the interest from XXXX which caused them to over draft my account and raised my interest and monthly payments through the roof. I call Synchrony Bank and Lowe 's and whom ever entered my bill did it wrong. I made several attempts to get them to fix it. They default on their contract and holding me responsible for their mistakes. They fixed some of the problems, but said I was responsible for over {$600.00} interest fee and as today 's date other fees. They have turn this over to a debt collector ( XXXX XXXX XXXX ) and I refuse to pay it b/c I did nothing wrong and the company is making this my fault. Before this mess, I had great credit and always paid this bill on time

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 2019-03-03
Company: Hood & Stacy, P.A.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX  is suing me for deficiency of payment. XXXX XXXX  has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.

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