BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application that he expected to follow the natural approval process followed by disclosure of rates etc. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew {$380.00} from his account twice within a month. He was not aware that they deposited {$600.00} without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95 % which was never ever disclosed anywhere in the application process. This site is clearly a scam that is deceiving people and they are now sending collection notices as we stopped bank payments and asked the company to clear this loan but they are not co-operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was with Sallie Mae, then with Navient, not by choice. I have for two years now had to have my husband file Injured Spouse form as Navient keeps trying to take HIS refund. I do not work. This company took my ability to manage my loans online, completely removing any access I had, even while I was in distress on my loans. They extort money from my husband and make us WAIT for months after filling out this IS form from the IRS. 
They have RUINED my credit score, even as I tried to keep my loans in forbearance and out of collections, as of today, i can't pull my free credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: KY
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:
OnXX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX 's problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XXXX with no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: ACS Education Services
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: Their investigation did not fix an error on your report

Complaint:
I have always had my student loan on automatic payment via ACS/  XXXX   XXXX   XXXX   .  I have never missed a payment. They failed to do the automatic withdrawal in   XXXX    2016 and     XXXX    2016. I attem pted to log into my account and it said " this account does n't exist ''. When I called to make them aware they were no assistance and did not fix the problem. I ended up having to call again and make a payment over the phone. My credit report shows no 30 day late y et one 60 day late. That is not even possible to be 60 days late without being 30. They were quick to charge me late fees and tell me they would be correct my account and still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX  I changed m y Lease payment due date to  XX/XX/XXXX  and was billed an additional {$160.00} for this change. Ever since t his change my due date has never changed and my account has shown in arrears every year around the same time. I have contacted  MBFS eac h time the payment shows additional fees and after several phone calls, and several weeks later - the solution is resolved and the charges are reversed from our account. I am guaranteed this issue has been corrected and will not be a problem in the future. The following year around the same time. The same thing happens again. Charges and fees are added to our account and it takes multiple calls, and weeks to resolve. Again we receive a guarantee it will not occur. Last month the charges appeared on our account again for the additional fees. We contacted MBFS and have not received a response as of this message. Our  Lease en ds XX/XX/XXXX  and we will NOT be purchasing another  Mercedes Benz.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
fraudulent use on my TRUIST debit card for $ XXXX XX/XX/XXXX and XX/XX/XXXX XXXX truist denied claim saying one of the transactions used my PIN therefore the transaction was authorized which it wasn't there were numerous suspicious transactions on those dates i would get an alert from truist did i make this transaction and i responded NO.When i spoke with TRUIST today to inquire about the status of the investigation they told me it was denied and that I needed to prove it was not me making those transactions I spoke with several people in the fraud department at truist and no one was able to tell me how I was supposed to prove it wasn't me. I live in XXXX and was at work on the XXXX. The transactions were made in XXXX NJ. I've never been there never heard of 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 monetary relief
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: NY
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:
the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them to stop calling me today, XX/XX/2019, over the phone. I have been getting frequent calls before XXXX, as well as throughout the day. They don't even check the account statement, they just go through a list of clients, harassing them to pay the minimum ( I paid of a significant portion of this a week prior to the call ). On top of that, they frequently use robodialing ( I get calls from them but nobody responds when I answer, just a silent call. When I call back it's their number )

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 2021-04-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
AMERICAN EXPRESS ( Bluebird prepaid card ) refuses financial transparency by refusing to provide PERIODIC FINANCIAL STATEMENTS - as required by federal law.

AMERICAN EXPRESS refused me all access to periodic financial statements ( i.e., via online access, email or mail ).

AMERICAN EXPRESS refused me an online account stating on their website " We don't like delivering bad news. However, we're unable to approve you for an Account at this time. We appreciate your interest in Bluebird. '' When I purchased the Bluebird prepaid card, it did not state anywhere on the external Bluebird packaging that one could be potentially " declined '' for account registration. Thereby, AMERICAN EXPRESS intentionally refused access to periodic financial statements and other services for which I paid.

AMERICAN EXPRESS FALSELY ADVERTISED THE FOLLOWING SERVICES ON THEIR BLUEBIRD PACKAGING TO BE INCLUDED WITH THE BLUEBIRD CARD : *Free Early Direct Deposit *Free Online Bill Pay *Free Family Accounts *Mobile Check Capture AMERICAN EXPRESS charged me a {$5.00} service fee for falsely advertised services and periodic financial statements AMERICAN EXPRESS has refused to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: B&B Funding, LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX claimed to be my mortgage servicer and for years my mortgage payments have been misapplied, misappropriated and flat out stolen from me, and now the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demanded a Qualified Written Request ( QWR ) and dispute of Debt, validation of debt pursuant to the Fair Debt Collection Practice Act and other Federal and State Laws from the XXXX XXXX XXXX XXXX XXXX which I have attached I never received anything from The XXXX XXXX XXXX XXXX stating the validity of the Debt nor did I receive proof of standing to foreclose from the XXXX XXXX XXXX XXXX XXXX nor the exact date in which they say I went into default or the exact dollar amount thereof. I believe I am a victim of predatory lending practices, illegal foreclosure practices, toxic Mortgage-backed securities, violation of Federal Trust Indenture Act. my payments made were not properly applied by these related companies, based purely upon oversized ambitions, greed and corruption, which led to economic XXXX, they were lax and rife with hidden fees and deceptive practices, fXXXX XXXX  practices which imperiled borrowers. they went against their own underwriting guidelines and that override federal lending standards!!

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 2021-11-14
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance decided to randomly open up an account that's be closed for 4 years, now appearing on my credit to look like I've missed payments dropping my credit score. This is fraud and I will not accept 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 non-monetary relief
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-03-23
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.

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 2021-06-11
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had two accounts with Pentagon FCU one was a credit card and the other was an installment loan. The first one, the credit card, has comments stating that I never made a payment. I believe this to be inaccurate but the none the less I do owe this debt. The second account, installment, shows a balance of {$66.00} on one bureau and zero on the other two. I have gone to the bureaus asking for confirmation of the debts. The only response I have received is that it was verified. I sent letters to Pentagon directly and got no response. In my frustration I decided to settle the two accounts in hopes of getting them removed. I sent a letter in XXXX with a settlement offer and again received no response. I called them around the end of XXXX and they said they would not talk to me I had to send my request in writing and it had to be faxed. I wrote anther letter with the settlement offer and faxed it directly to them. It has now been two more months with no reply. I called them again and they said they have no record of me and would not assist me. They can't find me but they continue to report negatively on my credit report.

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 2021-06-16
Company: BARCLAYS BANK DELAWARE
State: NY
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:
reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft XXXX Account Number : XXXX This is not mine. 

27. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Message sent Experian : On Thursday XX/XX/XXXX, I tried to get a copy of my free credit report due to financial dispute I am have with a business. After going through the log-in process, your computer would kick me out of the system. I called several times and was unable to contact anyone to resolve this problem. Instead all I got was menu options which none of them providing a option to talk to a representative. I tried again today XX/XX/XXXX and it would say my username and password were incorrect. So I requested my username, and it said it was forwarded to an e-mail address which I do not own. I hope your computer system has not been compromised and my financial information has been given to an authorized individual. I also trying calling both Thursday and today. Unable to talk to representative. For being an organization which monitoring people 's credit information, you do a lousy job. I really wonder if a real person works there. I need to get this problem fix, call me a ( XXXX ) XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation