BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Bread Financial Holdings, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2021, I applied in Zales Jewelry store for a {$5000.00} line of credit. On XX/XX/2021, Comenity Bank notified potential XXXX XXXX account applicant/customer # XXXX, XXXX XXXX XXXX XXXX through letter to provide Government issued I.D., Social Security Card and a current bill in order to verify my address and identity. Immediately I submitted request documents through email address at XXXX. XXXX credit bureau notified me that my identity was checked and verified by Comenity Bank on XX/XX/2021. I contacted Comenity Bank 3 separate times to try and fix the delays and discrimination towards my application. But I had no success but rudeness. On XX/XX/2021 Comenity Bank sent me a letter of denial due to not being able to verify my identity. I called the denial department and the representative named XXXX was rude to say that I have to go back into a Zales jewelry location and reapply. On the Comenity Bank computer data base, application reference # XXXX, had records of receiving valid US veteran Louisiana government issued drivers license, official Social Security card, and XXXX XXXX Bank credit card bill. I was denied a re-consideration of myZales Jewelry reference # XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I received notice of suit on an account that I had. The balance is XXXX. I do not have this money. I can not afford an attorney or any type of garnishment to my wages. I am the sole provider for my son and garnishing my wages is only taking food out of his mouth and depleting funds for his necessities. I did go into this contract with good intentions and I never had such a bad payment history on accounts as I do now. My income has decrease by 10 % and expenses have increase by 40 %. I just do n't have the money that I would like pay. 
*Please allow a settlement of 30 % of this balance to be paid within 4 to 6 months. I can begin payment XXXX XXXX. 
*Please drop the suit currently in process. 
I apologize for being such a bad customer. I never wanted this to happen. I am in my current financial circumstance due to my attempt to band aid lack of funds with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally Financial is attempting to collect a debt and repossess a vehicle that they can not repossess according to the law. I have written several letters to them about this and they are not acknowledging federal law. I want them to cease and desist and respond accordingly to the letters that I have sent them. 

Ally has sent me letters repeating the same thing over and over and I have sent them all the information that they have requested. 

Ally Bank is threatening to repossess my vehicle and that is against the law. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent them two ( 2 ) letters with all the details that were required and the information that they asked for and they keep responding saying that " We are unable to conduct a reasonable investigation at this time because your letter does not specify what information Ally Financial is furnishing that you are disputing. '' This is untrue. I sent them everything. Why do they keep saying this?

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 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went into XXXX XXXX two and a half weeks ago to purchase a car And I needed a co-signer so I asked my friend XXXX XXXX to co-sign for me. XXXX put the whole car contract in her name without permission they also lied to me about everything the monthly cost of the car note, the place I was signing on the contract. They refused to let us see the contract they told us to come back when the bank was open to pick it up. They just had a lot of fraudulent practices. my friend and I went in there to return the car and they refused. She called your company who was willing to terminate the lease and the guy at XXXX who gave your representative and us several different names refused to terminate the lease. This whole ordeal was fraud. I never received a contract to date. The car needs repairs, and I was told that the car payment would cost me {$530.00} a month, it wasnt until XXXX asked for the contract from your company that showed me a payment that I can not afford. XXXX is saying you changed the amount to $ XXXX per month. I can not afford the vehicle at that rate, and its wrong for the contract to be in my friends plus she doesnt work, and I do not want her credit to be impacted her name she not be in the loan and she doesnt have access to the car or drive it. I am begging you to terminate the contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the pandemic I was not using any of my credit accounts due to the everything being shut down and a lot of uncertainties and Capital One closed my Saks first due to not using it and also after 2 years of having the card and keeping it current wouldnt increase the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have paid Our current mortgage on time for the past year. They refuse to report our good credit payment history to the credit bureaus ; However if we are late or if there was a problem they will report us for having bad credit! This has cost us the ability to be able to refinance a new loan because we have no positive payment history. The manager XXXX ( XXXX XXXX ) from Ditech has informed us that because of their contract with their parent company XXXX XXXX home mortgage they 're not allowed to report any good credit from the mortgages they acquired from the old company. We were advised by our state representative to file a complaint through your agency ... This situation is completely unheard of by everyone including the company we 're trying to refinance with, our lawyer or our state representative. The mortgage broker who was in the process of getting as approved for are refinancing has advised us he believes that we are the victims of a predatory loan or some type of illegal behavior on the part of our current mortgage holder.. We can think of no other reason for the mortgage company to withhold our positive payment history other than to force us to stay with their company and not allow us to receive a new loan that would save us thousands of dollars on a new interest rate. This is completely unheard of is very unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Around XXXX on XX/XX/2020 I recieved a check. XXXX coronavirus stimulus. 

Myself and clearly hundreds XXXX if not more ) of people are unable to use the balance, that shows as ready to use, to make ANY purchase. I've tried various stores, food delivery services like XXXX  and XXXX, I have tried multiple only site purchases, and I have went to the ATM. It is like the card has been literally locked out. 

I made contact with customer support, sort of, ( meaning I used @ AskAmex on XXXX, which is their " quick support '' link. Nothing. They tell me to call their number, XXXX ) and I waited and waited and finally the automated response told me to please hold while they transfer me to a representative, and that my call may by monitored or recorded. It rings once, and hangs up. I've tried it with 4 different cell phones of friends ' and I also called from 2 landlines, one being the landline for a XXXX  store down the street when I tried to buy food. Nothing is working, and this is getting out of hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting incorrect information on my credit report. I was never late XX/XX/2020. This payment was made on time and I am not sure why it is reporting inaccurately. I have made late payments in the past, but this is erroneous.

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 2016-04-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I trying to understand the modification i received with a defer payment of {$38.00} owed at the end of the loan. I have written in past and the problem was cured. But what alarming is the new modification in 2017 that I'm unfamiliar with that agreement. I ; m in need of clarity. I'm on time with mortgage payment and defer payment is issue, The modification need to transparent for the resident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21, A fraudulent dispute was made on my BoA credit card. I immediately reported it to BoA and they refunded the charge and they replaced the credit card. This charge was later re-added to my card as a fee from BoA on XX/XX/21. This is absolutely a fraudulent charge and I am not able to dispute this and remove it.

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 2021-12-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to send money for the first time to XXXX using debit card to debit card as they advertise. They said it would take max a week and after 15 days I contacted them to see what was going on and they said that the money is in process. I requested a refund and now they are not helping me anymore and they have my {$1500.00} plus the fee. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX gave my loan to Green Tree. I never received notification. Upon my XXXX payment due they said they did not receive it in the mail so I needed to pay it then with a convince fee of {$12.00}. For the next few years we have been bombarded with ugly messages and harassment. It is my understanding starting with XXXX my loan was not properly signed ... the same with XXXX XXXX XXXX ... XXXX XXXX of Greentree is an awful person ... .she has been very rude to us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-10-12
Company: Southwest Recovery Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : 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 2022-08-04
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sunrise Collection Agency called my husband and gave him every detail about the disputed debt. Spoke to him about all of the personal details of the debt, WITHOUT MY CONSENT OR PERMISSION. They violated my rights.

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