BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ERC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: ACIMA CREDIT, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACIMA CREDIT F/K/A XXXX is the name of the company appearing on my credit report for an outstanding balance of {$2400.00}. The account was opened XX/XX/2020 as " Leased '' according to my credit report. I filed a dispute with the credit report company to have this discrepancy removed because I did not open this account. ACIMA CREDIT insist that this is my account. Since the credit reporting company was unable to resolve this issue, I contacted ACIMA today and so far no results. I asked the employee what is required to open an account. I was told a checking account, I.D., and phone number. So, how did ACIMA get  my social security number? No response. Please note that I do not have any inquiries on my credit report from ACIMA. Therefore, ACIMA did not request a credit report. ACIMA opened an account for someone and expect me to pay. I am annoyed and angry because I can't refinance my mortgage due to the drastic drop in my credit score and 60 day late payment.

If this has occurred to others, a class action lawsuit is necessary to teach ACIMA to respect consumers credit reporting and opening of new accounts without accurately verifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice from XXXX that there was a collection added to my report and because I didnt know who the company was, XXXX looked up the information and told me that the collection agency was professional debt management and the original company was XXXX at XXXX XXXX XXXX I moved over a year ago from this property but last month I was advised the company sold a debt I knew nothing about to a collection agency. XX/XX/XXXX I moved into my new home of which I closed on my home XX/XX/XXXX. I coordinated a key return to the old apartment complex on XX/XX/XXXX as the office has Covid hours of operation and appointments were needed to ensure office staff was present to the public. I had been in contact with the landlord prior to my key return to close out the account and notify the company that the apartment had been vacated. I was advised that proof of written notification had to be given of my intent to move as verbal was not sufficient. I forwarded an email thread to prove that in XX/XX/XXXX I advised the company I would be moving in XXXX of XXXX. A year later an account statement has been sent to me from XXXX that I never knew existed and no one will explain or resolve as I had not been given a chance to rectify. I was told XX/XX/XXXX the account was satisfied at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
On XX/XX/20, I contacted by phone XXXX XXXX XXXX XXXX and XXXX/XXXX about these accounts being opened due to identity theft. Both reps were able to close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I filed a complaint about two unauthorized transactions made on my Bank of America account, each for {$1000.00}. The money was sent to someone without my permission. I explained the fraud that occurred numerous times. I have been put in a loophole, getting told different things by different people from the same department. Both complaints were denied. I filed again on XX/XX/XXXX. I received a temporary credit for {$1000.00} after the tenth day for one of the charges. The other was denied. I took the {$1000.00} out of my account, which I no longer use. That account is now posting a balance of - {$1000.00}. When I filed a small claims dispute on XX/XX/XXXX, a few days later I was called by a Bank Of America representative. She stated she was waiting to receive details about my case. Eventually she called back days later and she very rudely stated that I was scammed and that I could not get my money back. This situation has caused me much financial, XXXX, and XXXX XXXX I have a set small claims court case on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number 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 2016-07-15
Company: Navient Solutions, LLC.
State: NY
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 have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Continental Finance Company, LLC
State: NE
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:
I have contacted Continental Financial Company to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!

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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I have contacted XXXX XXXX XXXX to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!

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 2020-09-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX XXXX XXXX  was sold to Chase in XX/XX/2021. I already had a credit card account with Chase, and because of shoddy web programming I can't sign up for their mortgage web portal. I have had no luck in contacting them by phone, after literally hours on hold, and several calls. I wrote them an email, their response was to ignore my complaint about my mortgage, and put a hold on my credit card. 

The one time I *was* able to reach them by phone, they hung up on me. 

My mortgage bills QUITE CLEARLY STATE : Convenient and easy ways to make your payment : " Enroll in automatic payments at www.chase.com or back of coupon statement Make your payment at XXXX '' I was under the distinct impression it is a violation of Federal law to make false or misleading statements on debt collection instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I'm XXXX XXXX the consumer and natural person acting on my behalf. No third party is involved. Capital One is reporting negative information on my consumer report without my written consent pursuant to XXXX XXXX XXXX. I have a right to privacy pursuant to XXXX XXXX XXXXXXXX ( XXXX ). 
Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) - exclusions - report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning my credit card utilized and payment history are not to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Movement Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I applied for my mortgageXX/XX/XXXX, I spoke to several mortgage lenders and made many comparisons. The reason I chose Movement Mortgage, over another lender, was the fact that my mortgage officer, XXXX XXXX, assured me several times that I could make biweekly payments on my mortgage. Even at closing, onXX/XX/XXXX, XXXX assured me that when I receive my statement, I can call to set up biweekly payments with his assistant or by calling customer service. Again, this was mentioned several times during the mortgage process. However, I received the statement and was told that I could not set up biweekly payments when I called customer service today, XX/XX/XXXX. I am very upset that I was mislead with this information by XXXX XXXX dishonesty because he knew setting up biweekly payments was a deal breaker to choose Movement Mortgage. Attached is a picture of text messages between XXXX  and myself where he guaranteed this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/20, I initiated a {$180.00} transfer from this account to my checking account at another bank. On XX/XX/20, USBank for some reason identified this transfer as suspicious and froze my access to all funds in my USBank account. I contacted USBank by telephone regarding the freeze on my account on XX/XX/20, and USBank requested that I fax identity documents to verify that I am the rightful account owner. On XX/XX/20, I both faxed the requested documents to USBank and also uploaded a copy of my identification documents to USBank 's online portal that USBank has established to receive such documents. Following my XX/XX/20 fax and upload of identification documents to USBank, my USBank account remained frozen and I continued to have no access to funds. I again contacted USBank by telephone to request removal of the account freeze and USBank again requested that I fax my identification documents. On XX/XX/20, I again faxed my identification documents to USBank. However, my account remains completely frozen and I have no access to funds. I have contacted USBank by telephone repeatedly after XX/XX/20, and USBank still has not provided access to my account funds.

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 2020-09-30
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX  threatened us with charges for something he called " XXXX XXXX '' if we did not continue seeing him at {$350.00} per hour. We of course did not agree to this thinking it was an empty threat. It was not. I recently checked my credit report and found a derogatory item indicating I owed {$160.00}. I called the collection agency listed to explain that they, presumably, were not aware they were helping to perpetrate a fraud and give them the chance to correct the situation. Their response was that the burden was on me to prove the fraud before they would act. I replied that it would be difficult for me to prove a negative, specifically that I did not authorize charges for whatever " XXXX XXXX '' is. They said that if I could not prove it they could not help and promptly hung up. The is a fraudulent charge. The doctor that imposed the charge knows it. I suspect the collections company knows it, but they also know it will be virtually impossible for me to prove it without expending resources far larger than the amount of the debt. They also know I value my credit score and are therefore trying to blackmail me into paying a debt I do not owe.

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 2020-09-30
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I tried to make a deal with the company HONDA FINANCIAL SERVICE I offered to catch up and continue paying the normal monthly payment and they told me that the vehicle had to pay it in full or deliver it, I decide to the situation that we are all going through, it was difficult for me to catch up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.

Company response to consumer: Closed
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I receive unemployment benefits from PA via US Bank Reliacard prepaid debit card. On XXXX XXXX, 2020, my card stopped working completely. Unsure of the reason why it stopped working, I called the customer service number that same day and was told that i needed to fax over 3 documents to verify my identity. Immediately, I gathered the paperwork and faxed it over that same day. I called on on XX/XX/2020 to confirm that my fax was received by US Bank and was told my fax was received and it would take 24-48 hours for processing. Needless to say, that 24-48 hour processing time has now been 3.5 weeks to no avail. Not only have I spent hours on the telephone mostly on hold waiting to speak to someone. Speaking to someone usually gets me a different answer every time. From them, I have heard 24-48 hours to a maximum of 15 days. They told me to replace my card, but their system will not let them send out a new one to me. And also, I have been told to resend the documents almost each and every time I've called them. I have called at least 20 times and even spoke with PA Dept of Labor who tells me everything is fine on their end. I have sent or uploaded the documents a total of 9 times since XX/XX/2020 and this issue still hasn't been resolved. All I want is to be able to access my money without issue or close the account and have my money transferred.

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