BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: CASH AMERICA INTERNATIONAL, INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan online at Cash Advance America. I was contacted by a representative by the name of XXXX XXXX, employee number XXXX, from the number XXXX that stated that I qualified for {$1000.00}. He stated that my payments would be $ XXXX monthly with 5.19 interest. He asked my credit score and I told him, he then stated that because it was so low that I would need to increase to {$1000.00}, take {$50.00} and purchase a XXXX XXXX  or XXXX XXXX and give them the information from the card, keep the receipt and mail it in the next day after I have received the deposit into my account. After following his directions, I gave him the XXXX Play card information and he then tells me that I would need {$75.00} in my account to get the deposit to prove that I have a bank account in good standing. When I told him that I didn't have it, he stated that he would need to transfer the money to my account through a mobile bank as a trial, and that I would receive my money the next day after the trial money was withdrawn and sent back to them. I never received any money and they have my {$50.00} from the XXXX XXXX card. He also stated that his supervisors name was XXXX XXXX. When he realized that I caught on that it was a scam, he will no longer answer the phone. It just rings and goes to a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to not verify this account is mine by showing me proof bearing my signature ..i never signed a contract of any kind with this company. Company continues to call my phone through out the day non stop at times, They also violated fair debt practices by not responding XXXX my second dispute letter with XXXX a direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: OH
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 found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX US DEPT ED XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DPT EDXXXX - XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 This complaint is in followup to my previous complaint # XXXX. Bridgecrest did not accurately update/correct my credit reporting as promised as a result of my previous complaint ( See attached letter confirming this ). Per Bridgecrest 's published response to my previous CFPB complaint, all credit bureau reporting was to be updated to remove all derogatory information. During my telephone conversation with XXXX XXXX. ( Bridgecrest Compliance Dept. ) on XX/XX/21, I notified her that my credit reports have NOT updated accordingly as promised. She advised that perhaps the credit bureaus have not updated yet and suggested that I contact the bureaus because it was not the fault of Bridgecrest that the bureaus have not updated. However, I have disputed with all credit bureaus in order to have the reports updated. They have completed their investigations and all have confirmed that Bridgecrest is still reporting my account as a " PAID CHARGE-OFF '' with a " MAJOR DELINQUENCY '' first reported XX/XX/2021. The most recent completed dispute/investigation results are from XXXX  dated XX/XX/2021 ( over 45 days since I was first told that my reporting would be changed to show no derogatory information whatsoever ). I have, indeed, followed the advice of XXXX XXXX from Bridgecrest by contacting the bureaus as well as filing credit disputes in order for an investigation to be carried out. The results of these actions confirm that my account is not being reported as completely positive with no derogatory information as promised ( in a telephone conversation with XXXX XXXX on XX/XX/21, by a letter sent via XXXX First-Class mail from Bridgecrest datedXX/XX/21, and by the Bridgecrest response on XX/XX/21 to my CFPB complaint ). As of today, XX/XX/2021 ( 90 days since I was told that my reporting had been updated to reflect a positive status with no mention of any negatives ), XXXX and XXXX  are still both reporting DEROGATORY, PAID PROFIT AND LOSS, CHARGE-OFF, etc., which is not the information that Bridgecrest promised to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: V and H Portfolio
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX I told them I know nothing about it and I told them take it off my Credit they refused to so I want something done about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company Toyota motors : debt amount XXXX Account was open fraudulently I filed a complaint with identity theft I want this account removed from my report immediately my name was even spelled incorrectly it was opened XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Not Legal Validation & Re-ageing Debt I wrote TransUnion regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. TransUnion is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. TransUnion is in violation continuing to report. 

Also the debt was Re-Aged by TransUnion which is a violation according to the FRCA. Debt should be reporting accurately with factual 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 2019-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HSBC Bank USA, N.A. had a " Get {$350.00} with this exclusive offer. A special invitation for HSBC Advance. I would receive {$350.00} by depositing a minimum balance of {$10000.00} and maintain at least the qualifying minimum balance for 90-calendar days. For example, I open a HSBC ADVANCE CHECKING account on XX/XX/XXXX. By XX/XX/XXXX, I should receive a {$350.00} Welcome Deposit into my new HSBC Advance Checking Account approximately eight ( 8 ) weeks after completing the requirements.

Opened account with XXXX XXXX XXXX, Personal Banker at HSBC Bank USA, N.A., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX  [ XXXX / XXXX ] on XX/XX/XXXX after XXXX XXXX assured me that I QUALIFIED for the {$350.00} bonus welcome interest.

XX/XX/XXXX : I emailed XXXX XXXX, XXXX Branch Service Manager at XXXX regarding the failure of XXXX to deposit the {$350.00} onto my checking account.

XX/XX/XXXX : XXXX XXXX wrote me back to inform me that she is reaching out to the marketing team.

XX/XX/XXXX : XXXX XXXX said that she was informed that I had a previous HSBC account, thus did not qualify for the {$350.00} promotion.

I DO NOT HAVE ANY PRIOR HSBC ACCOUNTS.

XX/XX/XXXX : I wrote a letter to Mr. XXXX XXXX XXXX, Chief Executive Officer and President of HSBC North America Holdings , Inc., HSBC Bank USA, N.A. and HSBC USA Inc. at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXXXX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she will look into the matter and will contact me.

XX/XX/XXXX : I emailed both XXXX XXXX, Manager of Customer Relations AND XXXX XXXX, XXXX Branch Service Manager for a written explanation on why HSBC failed to deposit {$350.00} onto my checking account.

XX/XX/XXXX : I received an email from XXXX XXXX, Manager of Customer Relations. She said that she is continuing her investigation and will contact me.

XX/XX/XXXX : I wrote XXXX XXXX, Manager of Customer Relations a letter regarding HSBC Bank USA, N.A. failure to honor its contractual obligations.

As of this date, XX/XX/XXXX, no requested information as to the denial of the {$350.00} and failure to follow its own contractual protocol- We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes to complete our investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/18 I logged into the Navient website to explore options for reducing or delaying repayment, as I am having financial hardship. Almost every link that I selected to either get contact information to call/email Navient, search for forms, or view repayment options gave me an error stating the page was not found. It is disheartening to deal with a a servicer that does not have a more streamlined way of keeping the communication open with it's customers. I am sure if my payment is late to Navient and this is the reason, they still will not hesitate to report to credit bureaus even though it is their fault I am unable even to retrieve a phone number from their website. I am attaching a document showing the page error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NC
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:
My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with Citi Bank so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of Citi.

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 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, 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 2021-02-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Home Mortgage My mortgage was sold to Chase in XXXX of of 2018. It was set up with an escrow account and I am on time with my payments. I received a tax bill on my home in XXXX, 2018 and paid the tax bill on XX/XX/18. The check posted on XX/XX/18. I realized that I should not have paid the tax bill directly, that the payment would be made through the escrow account, and I called the tax office and asked the check to be returned. They received the duplicate payment from the escrow account but they returned my personal funds to Chase. Chase held back {$3000.00} and refuses to return my funds, saying they have a policy to keep a reserve of {$3000.00} in the escrow account. 

These funds were my personal funds that were duplicated by mistake to the county tax office, should not have been returned to Chase, and should not have been received by them, much less kept by them and not released to me. If they have a policy of holding additional reserves for escrow they should follow that policy and communicate with their clients not confiscate funds that were mistakenly sent to them. They refuse to release the funds back to me that were duplicated to the tax office and mistakenly returned to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: AMERICAN EXPRESS COMPANY
State: DE
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 customer service

Complaint:
Hello, I recently changed my last name due to marriage. I've tried 3 times to update my name with American Express. I've sent AMEX my new Driver 's License 3 times via www.americanexpress.com/documentcenter. The picture is JPG and is crystal clear. Each time I get a letter from AMEX stating that they can't read it. I'm not sure where the disconnect is, but that is why I have now resorted to the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Aargon Agency, Inc.
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:
Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. NO response from 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 explanation
Consumer complaint received 2019-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to Capital One on XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2019. I let a teller know that I was interested in opening a business line of credit. I was informed that XXXX XXXX would come assist me. Upon meeting XXXX, he refused to shake my hand. At his desk, he asked what he could help me with. I stated that I wanted information on how to open a business line of credit. He asked me " Do you even have a business? ". I said yes. He asked what paperwork do I have. As I went through my document holder, he snatched a paper out of it and said " Here it is ''. He then goes to his email and reads off to me I am not eligible for a business line of credit because I did not have an account with Capital One for 3 months with $ XXXX in it. He said this was a new policy. No paperwork was given. XXXX then tells me " I just don't want you to waste your time. '' I took his card and then left. 

I immediately went to a Capital One in another part of town and received assistance and opened a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has report false, wrong information on my credit report Fraudulent information That I didnt apply for or ever use their services my identity Was used this is not my account by law it need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.

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