BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-30
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Dear Madams, dear Sirs, I took a loan of {$200.00} with a fee of {$50.00}, in total {$250.00} from castle payday. 
I already paid {$50.00} on XX/XX/2015Yesterday I wanted to pay off the rest of the {$250.00} but was told they do n't take my credit card and I owe {$320.00}. 
When calling collections they told me that every XXXX weeks I will be charged a " Finance fee '', which I heard at that point for the first time. They said they would send an HS form so I can fill in my new bank account info ( I closed mine 1 week ago ), but never received that form. 
I sent XXXX emails to support @ castlepayday.com as advised from their collections department, but have not heard back from them. 

When signing up for my account I asked the representative XXXX if I will not be charged extra if I only pay {$50.00} bi-weekly and he said no, I will only be paying off the amount of {$250.00}. I told him that I could pay the full amount, but he said that wo n't be necessary. 
Last week I checked my balance and called, asked the woman on the phone why the XXXX payment of {$50.00} does not show deducted off my balance and she said : I should not worry cause I would not see that online. 
Believe me if I would have known I would have paid the full amount on XXXX XXXX. 
I want to pay it off and forget the whole nightmare already. 
Please help! 

Thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Prime Source Mortgage, Inc
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
House on market XXXX/XXXX/15. Offer submitted and counteroffer extended on XXXX/XXXX/15 after I saw the pre-approval letter. Counter offer accepted on XXXX/XXXX/15 with a 45 day escrow so was to close on XXXX/XXXX/15. The house appraised at value and it passed inspection on or about XXXX/XXXX/15. XXXX/XXXX/15 my realtor thinks docs should be pulled soon. XXXX/XXXX/15 hear from realtor that buyers have to refile taxes with IRS but was done 2 weeks prior so should still close on time or sooner. I move my belongings to storage on the XXXX. XXXX/XXXX/15 am told we will have to file an extension wrong form received then told no just not gotten form yet. So we extend to XXXX/XXXX/15. In all we had to extend this 4 times each time being told it was just one more piece of paper and it would close. First we get the transcript after waiting 5 weeks, then its the wrong one so wait another 2, now we get final approval but no clear to close as the original appraisal is over 45 days so new one ( ends up being three ) is less and I am told sign for new amount or no go and start over ... so I agree within 40 minutes of getting this information and still no close. Its Friday so we have to wait now until monday but then monday is a holiday so we hear that it will be wednesday XXXX/XXXX/15. that comes and goes and still nothing. Now the story is they are waiting on the appraisal hard copy. It finally closed on XXXX/XXXX/15. 84 days/12 weeks later than it started. I lost {$1500.00} on the deal, had to pay for additional mortgage, utilities, credit payments, storage all because of the lender XXXX XXXX, at PrimeSource in XXXX, California. So essentially, I lost over {$3500.00} in this deal. I kept going because it was only one more thing and I was ill and needed to sell house. Until XXXX/XXXX/15 all was going well but thereafter it became a pattern of not hearing from PrimeSource..so if you could reach them on Monday you would get told a situation, then nothing until thursday when the situation was different than was told on Monday and you now think we are making progress and then its Friday and oh yeah its going to go and then by XXXX on Friday oops sorry not today. and over and over it went. I feel this lender is inept and quite frankly unethical at the very least he does n't know what he is doing. I looked him up on XXXX in CA and there was a story on there from XXXX from XXXX of this year and it was almost word for word what was happening to me. Being the seller in this case was tough ca n't imagine what it was like for the buyers. Please address this issue with this lender PrimeSource and XXXX XXXX to prevent other people losing money. I did complain to PrimeSource and the very next day the loan got cleared to close coincidence I think not ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
ADVERSE ACTION ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by GM Financial XXXX XXXX XXXX I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). GM Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ 1681M 3.

12 CFR 1002 Since the letter you sent me dated XXXX XXXX both a proof and evidence that I have been discriminated against, you are also criminally liable. GM financial should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.

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 2022-02-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i submitted a complaint with the CFPB against Equifax XXXX XXXX XXXX about fraudulent accounts reporting on my credit report due to identity theft i submitted identity theft affidavit thru the Federal Trade Commission and all supported documents to prove my identity and they sent me a later stating i need to provide the same documents to prove my identity in which they already have and was received on XX/XX/2022 thru the CFPB. This violates my consumer rights based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft no later than 4 business days after the date of receipt. Equifax failed to do so and is in violation under the law. The accounts listed in attached documents should not be furnished on my report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written INSTRUCTION of the consumer to whom it relates. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. AS A CONSUMER I AM DEMANDING DELETION OF ACCOUNTS AND ALL NEGATIVE REPORTING ACCOUNTS/ INQUIRIES LISTED IMMEDIATELY!!!!! 
Written Truthfully Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
NAVIENT TOOK ABOUT EXTRA {$110.00} WITH RESPECT TO THEIR OWN MAILED INVOICE AUTOMATICALLY FROM MY CHECKING ACCOUNT, " SINCE XX/XX/2014 ''. THEY REFUSED TO REFUND THAT MONEY TO ME. I WROTE TO THEIR CEO AND GOT NO ANSWER. THIS IS A FRAUD. NAVIENT ALSO REPORTED 60/150 DAYS DELINQUENT IN FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAMONE STUDENT LOAN. NAVIENT ALSO REPORTED 90 DAYS DELINQUENT FOR CHANGING FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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: Their investigation did not fix an error on your report

Complaint:
I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to again submit another complaint or better, continue with our previous XXXX submitted in XXXX of 2015. To summarize, we have applied for a modification in XXXX of 2015 with Bank of America after our initial complaint to CFPB. After clearly explaining all reasons why our past modifications have been denied, mainly because we do not file XXXX tax returns, ONCE AGAIN they have declined our modification for the SAME REASON. They have wasted 3 months of requesting documents which we again clearly explained they were difficult to obtain ( even though we submitted our tax returns from our Country ) just for us to enter in their loop of false hope they call " process ''. Last time we spoke with a representative on XXXX XXXX, 2015, they advised us that our application for modification had been denied, they told us they would send us documentation for our son to assume the loan ( another convenient alternative for them ). To this date XXXX/XXXX/2015, we have not received neither a written notification of denial nor an application for loan assumption. At this moment, we are in limbo and will not be able to refinance or modify our loan, meanwhile this huge lender still makes a nice profit on a loan at 6.5 %. I hope CFPB may intervene and stop their abusive practice, as Bank of America certainly is not there to help you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
When I have a little extra money I want to apply that extra to one of my loans that has the highest interest rate and the lowest balance. When I made an extra payment instead of putting it towards principle it had advanced my payment due date out so I did n't have to pay on the loan for months. I found out this was happening when I reapplied to the income based repayment program and it was declined. I was told every time I made an extra payment I needed to contact navient and ask them to apply my payment the way I want them too. It was so much hassle to do that and people were getting it wrong and not understanding what I wanted that I gave up. I was able to get that particular loan down to almost {$500.00} and since I gave up on the extra payments it is now around {$800.00}. I set up auto payments because it is too XXXX to look at all the loans. I have way more loans than I should and feel there was something odd going on while in school and it caused me to get more loans than I should have. I started going to The XXXX XXXX XXXX Minnesota, XXXX XXXX online division and the XXXX XXXX online division. I feel the XXXX XXXX kept making loans in my name withought signing anything because I rarely had to agree to new loans and just remember signing stuff when I first started but not after that. All of a sudden I have {$71000.00} I owe and have an XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: SYNCHRONY FINANCIAL
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX  credit file dated XXXX & XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over me

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 2022-02-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
EXPERIAN INC CONSUMER REPORTING SERVICE IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.

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 2022-02-05
Company: Lincoln Educational Services Corporation
State: PA
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: Investigation took more than 30 days

Complaint:
I have dispute this issue with the credit companies as well as XXXX XXXX XXXX. It is illegal to put something on my credit without my permission. Let alone something that is false. I have dispute with all companies about 6 times. 

Also, Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1629c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing/credit capacity, character and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. 

XXXX XXXX is in violation of 15 U.S.C 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This applies to both accounts, i.e myself and my spouse 's. While traveling during XX/XX/XXXX to new jersey, chase bank continuously declined my spouse 's card for amounts less than {$20.00}. Both of our accounts had sufficient funds. Today, XX/XX/XXXX, after spending 2 hours on phone with phone company to purchase new phones, we finally got to the agreement/payment page which i completed only to have chase bank decline the charge of {$230.00} while my account contained a balance of more than {$2400.00}. I am a XXXX veteran who doesn't have the mental capacity found in most individuals. Stress and anxiety are my immediate enemies due to my health status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The simple solution would have been to 'pend ' the charge rather than outright deny it. The nightmare now is trying to figure out how to re-pay the phone company hoping that they don't cancel the order. You may consider re-sending the payment an easy task however it is surely turning into a nightmare for us. Due to my colorful language, language i learned in the military, and the reason given was 'some people only respond to a certain language ', i may have upset the female csr at chase however i did ask to speak to a male citing that my language would become colorful. unfortunately, she would not comply and therefore witnessed my verbal wrath. Anyway, to save a life, wouldn't it be wiser to 'pend ' a charge rather than outright denying the charge? What level of common sense does it take to make that decision? anyway, i will be terminating future services with chase bank, however having the card declined over an hour ago, ( call ended XXXX, it is now XXXX ) and i'm still having chest pain and feeling light headed, I would like for them to pay for the upcoming emergency department bill because THERE WAS NO BASIS FOR DENYING THE CHARGE AGAINST MY DEBIT CARD, WHICH CONTAINED SUFFICIENT FUNDS, FOR 'SUSPECTING " FRAUD, WHEN THEY COULD HAVE JUST AS EASILY 'PENDED ' THE CREDIT TO MY ACCOUNT! THANK YOU!

Company response to consumer: Closed with explanation