BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: U.S. BANCORP
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
When I signed up for my credit card through US Bank I was told by the CSR my account would be interest free until approx XXXX 2015. I initially called in regarding something on my checking account. I opened XXXX savings accounts and was told I pre-qualified for a credit card through US bank with 0 % intro APR. I was charged APR. I attempted to call US Bank to figure out this situation. I asked them repeatedly to pull the call and listen to the call, so we could determine what was said to me. Supervisor said does not have option for call review. I was told there were no way to pull the call despite there being a call log. This a bait and switch on their part and apart of fraudulent business activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit denial letter from FNOB ( First Nat'l Bank of Omaha ) via USPS Reason for denial : My credit history could not be verified due to a credit report freeze. 

I did not request any credit from any institution, my credit is frozen.

I called FNOB, they have no record of my name, no credit application, etc. They did not want a copy of the letter, they were not interested in providing any further assistance to me. They couldn't verify the address listed in the letter to respond to. 

FNOB said the Ref # in the letter was not one of theirs. 

After I hung up I did go online and report it to their fraud dept.

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 2015-08-18
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or around XX/XX/XXXX, I received a notice of writ of garnishment against my wages, although I was currently on a payment plan paying {$50.00} per month and had made my payments on time, in which the payment plan was set up in XXXX through the companies website and confirmed and they started deducting on an Auto Pay schedule. The amount listed on the writ of garnishment was {$730.00}, the amount reflected on their website was {$550.00} I believe. I called Midland regarding the garnishment and was told that they would file a release of garnishment since I was indeed on a payment plan and current on my plan. Two weeks later I called back to Midland to find out if the garnishment had been released ( since my payroll was due to garnish the full amount of the writ on XX/XX/XXXX ) I was told at this time that the garnishment release had not yet even been signed by the attorney ( in which I was assured it would be at the beginning of XXXX when I called the first time ). On XX/XX/XXXX another payment was taken via Auto pay of {$50.00} from my husbands checking account. I called to find out about the release again and was told it had not yet been processed. At this point it was too late to have the garnishment released in time not to be pulled from my upcoming paycheck, I spoke with a gentlemen and he agreed to stop my autopay of {$50.00} per mo since I knew at this time I would be way over paid when my XXXX funds reached there office. I received a notice from my employer that the full amount had been deducted for the XXXX {$730.00} - I called today XX/XX/XXXX to find out if the XXXX was ever released, additionally, if my funds had been received in their office yet, and what the process is going forward due to this oversight ( XXXX ) - I was told since my payment plan was cancelled I now owe them {$600.00} because I no longer qualified for the discounted amount ...... I was never told this when my payment plan was cancelled. Not only did this company submit a garn for well over the amount due, continued to collect monthly payments, now they added an additional {$100.00} or more dollars to my debt which I will have no choice but to pay since my garnishment funds will be well over what I owe. I feel this is deceptive practices, they continued to collect while submitting a garnishment taking them over 25 % of my income, and now refuse to honor the payment plan amount that I was never late on until they garnished me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA. 
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us. 
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Hosto & Buchan, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, XXXX took over a credit debt back in 2008 and we went to court and XXXX told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm hosto & buchan hired by XXXX has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
BRIDGECREST Acceptance Corp has committed fraud, theft and unlawful repossession, and extortion along with mail fraud amongst violating Regulation Z, FDCPA, TILA, EFTA, ECOA, Collection of extensions of credit by extortionate means. BRIDGECREST Acceptance corp also has committed identity theft for the alleged car loan, which is a fraudulent loan using my identifying information along with my credit card. BRIDGECREST Acceptance corp claims to have lend me money or lend me credit for the purchase of my vehicle, when in fact federal law proves they haven't and can not legally or lawfully according 12 usc 1431. This vehicle was purchased on credit during a consumer credit transaction which BRIDGECREST Acceptance Corp fraudulently misrepresented as a alleged car loan. BRIDGECREST Acceptance Corp is not a financial institution, it is a debt collector and has committed larceny stealing my vehicle and extortion demanding I pay the alleged debt in full to get my vehicle back before BRIDGECREST Acceptance Corp sells my vehicle. BRIDGECREST Acceptance Corp used a unauthorized third party to steal my property and has not revealed where my stolen property is being kept.BRIDGECREST Acceptance Corp is not a creditor it is a assignee of the alleged contract which was fraudulently concealed as a loan .BRIDGECREST Acceptance Corp is criminally liable for knowingly and willfully giving false information in regards to Truth in Lending Act disclosures about the alleged required down payment of {$2600.00} cash which was fraudulent and intended to deceive me and violated 15 usc 1605a Finance Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX : XXXX, XXXX Representative, Natural Person, In Propria Persona : XXXX XXXX XXXX, XXXX XXXX : All Rights Reserved : U.C.C. 1-207/ 1-308 ; U.C.C. 1-103 c/o XXXX XXXX XXXX XXXX, PA XXXX XXXX ] Non-Domestic On XX/XX/2023, I did attempt to appeal the decision made by Equifax who has declined XXXX request for removal of Adverse information. 

Confirmation # XXXX Dear XXXX XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. 

For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file as a result of your request : To determine the outcome of your request, Equifax reviewed your request and accompanying documentation, as well as the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. 
The Victim states that he is victimized again by attempts by Equifax to stultify the creditor via deceptive business practices which include but are not limited to ; hanging up, and failing web page logins. 
Victim declares that the Following is A Filed Criminal Complaint and meets the Bureau requirements for Victim of Identity Theft Verification Documentation pursuant to 605C ( b ) VERIFIED COMPLAINT Pursuant to 22 U.S.C. 7102 ( 11 ) SEVERE FORMS OF TRAFFICKING IN PERSONS Title of Collection : Case No : XXXX Order Date Filed : XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: CA
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix 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 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CT
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I called in a complaint to your XXXX phone number last week but I have not heard back from anyone yet. Below is the email that my former employer sent out to a past client of mine even though I resigned from Guaranteed Rate XX/XX/2021. They are still advertising by illegally using my name, email, & XXXX. I have had several clients alert me that they have received similar emails to the one below and how can this be compliant when I have not worked there for over XXXX? Please call me at XXXX so we can get to stop. I previously worked at XXXX XXXX who was purchased by GR and I have several former co workers that this is also occurring with their name, email, & NMLS too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. SENT THEM AN A LETTER AND THE ADDRESS THEY FURNISHED ON MY CREDIT REPORT IS INACCURATE AND LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I work all my life trying to do the best I can but still ca n't get ahead because credit problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this complaint against XXXX for Breach of Contract and False Credit Reporting. 

XXXX agreed that if I paid they would delete any and all references to an alleged collection account from my credit report within 30 days upon receiving payment. 

XXXX received payment by check per our agreement and drafted funds in the amount of {$520.00} out of my bank account which posted on XX/XX/XXXXXXXX XXXX XXXX ( Bank statement attached ). 

150 ( ONE HUNDRED FIFTY ) days have passed since receipt of funds and the account XXXX HAS NOT been deleted from my credit files at the three major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). 

However, the three Credit Reporting bureaus ( XXXX, XXXX and XXXX ) are all stating that recent reporting activity has been performed on this account, as recently as XX/XX/XXXXXXXX XXXX ( Credit Report attached ). 

On XX/XX/XXXX I wrote XXXX a demand letter sent certified mail since XXXX accepted payment but continues to report on my credit report despite our agreement. 

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX received my demand letter. 

It appears Target has violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I have attached proof to this complaint. 

Enclosures : Settlement letter dated XX/XX/XXXX Copy of the settlement check # XXXX Bank statement showing draft on XX/XX/XXXX Copy of credit report showing recent activity. 
Demand letter dated XX/XX/XXXX sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: The CBE Group, Inc.
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 is not mine

Complaint:
XXXX kept charging me for an account that was closed. They intimidated me since I disputed the bill with my XXXX account. ried Basically, XXXX tried to ruin my credit rating by reporting me to credit agencies. 

I never received a letter any other correspondence that they would take this aggresive tactic. I ended up having to pay the {$94.00} charge to keep my excellent credit rating which is unfair and a shakedown. 

I live in XXXX, XXXX for the past year and have spent a lot of money on the phone trying to resolve this dispute. It is a matter of principle in my mind not to be taken advantage by XXXX collection practises. 

Thank you for hearing my complaint.

Company response to consumer: Closed with explanation