BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Finally I was able to speak to Truist representative. I asked to talk to the supervisor. Previous person tried her best not to let me talk to the supervisor. When i asked to close the account- she asked me to go to the branch. I can not go due to pandemic. After almost 45+ minutes on the line at XXXX XXXX - I was able to speak to XXXX XXXX XXXX From her voice and speech- it was very clear that she is still sleeping. I asked her the reasons for these {$36.00} fees being charged thrice in last 8 days. She stated that if the account balance is negative -they charged fees every 6 days. As she was not willing to waive off these fees and put the future fees on hold, i asked to close the account. She said that account needs to be having +ve balance otherwise it can not be closed. Supervisor is stating a different reason than the previous person. I said if you keep on charging fees- how the account will be +ve. 

I want this account to be closed with all the fees being waived off. I have already setup ACH transactions from my XXXX bank to make this account balance positive but if Truist keep on charging me fees- I can not help. 

Moreover their customer service can't spell out the names correctly. I felt bad that my last name is spelled in such a way that it sounds like curse.

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 2016-07-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-09-28
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.

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 2016-12-30
Company: Conn's, Inc.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Avant opened a credit card account that was never applied for. This fraudulent account also has the annual fee immediately charged to the account. Multiple phone calls made to the company, they do not close the account, refuse to provide any information of the source of the fraudulent " application '' to open the card in the first place and instead continue to request more sensitive information related to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately. 

Why was my identifying information shared that I did not consent?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Resurgent Capital Services L.P.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.

Company response to consumer: Closed
Consumer complaint received 2022-07-26
Company: ALLY FINANCIAL INC.
State: MA
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:
During the months of XXXX 2021. I was charged a total of XXXX late payments with my auto lender. Prior to these late derogatory marks on my reports I contacted the lender explaining my financial situation due to covid and promised to make some sort of payment of each month to avoid late payments on my reports. The creditor still went ahead and reported me late for several months which ruined my credit.

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 2017-01-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: GOLD KEY CREDIT, INC.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Apex Asset Management has never contacted me as required by law before placing this item on my credit report. I have never heard from them and was not given the chance to dispute the charge. I was only made aware of their collection attempts after pulling my credit report.

Company response to consumer: Closed
Consumer complaint received 2015-07-26
Company: SQUARETWO FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017 I applied to consolidate my student loans and reduce the interest rate when they were really high. I applied on a website that gave me options, and ended up with Mohela, which eventually became XXXX through the paperwork process. After I accepted the rate and the paperwork was sent I figured this out. And I also learned that they listed all of the benefits of a Federal Student loan and said, 'MIGHT NOT BE ELIGIBLE FOR " before each benefit. NO where on the forms did it say, these will be private loans and no longer eligible for any type of Federal Student loan benefit! 

they intentionally mislead the borrower by saying 'you may ' and offering the same payments as a Federal Loan Servicer. They even show the Federal Loan paperwork on the account website, saying apply for Loan Forgiveness and such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. The following items are inaccurate on my credit report : XXXX XXXX XXXX  Inaccurate high balance Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate creditor remarks Inaccurate last payment XXXX XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date reported Inaccurate date open Inaccurate account rating Inaccurate creditor type Inaccurate account status XXXXXXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate date closed Inaccurate account rating Inaccurate creditor type Inaccurate account status Inaccurate last payment XXXX XXXX Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate account status Inaccurate creditor remarks XXXX XXXX XXXX Inaccurate date of last activity Inaccurate date reported Inaccurate account status Inaccurate payment status Inaccurate creditor remarks Inaccurate last payment Inaccurate term length XXXX Inaccurate account number Inaccurate last verified date Inaccurate date of last activity Inaccurate date reported Inaccurate date open Inaccurate closed date Inaccurate creditor type Inaccurate account status Inaccurate payment status Inaccurate last payment Inaccurate account type

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 2015-08-14
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I had a broken water line under my sink, which flooded my kitchen. I opened a claim with my insurance company, but due to the amount of the damage, was required by my servicer, PennyMac Loan Services LLC, to sign over the loss draft to them to be placed in a " restricted escrow account, '' and they would disburse the funds in stages throughout the completion of the work. My mortgage balance is approximately {$87000.00}, my property value is approximately {$550000.00}, and the loss draft totaled approximately {$12000.00}. I have never been late on a payment. From the very beginning, PennyMac gave inconsistent and incomplete directions on what steps I needed to take to receive disbursements ; at every conversation with their representatives, I got different requirements ; or upon providing the requested documents, PennyMac would add a new and additional requirement. At one point I was even told that in order to disburse a portion of the funds, I would be required to have an additional inspection ( at my cost ) to certify the refrigerator and washer/dryer were plugged back in and functioning! Their behavior in the loss draft department is unfair, abusive and deceptive at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has filed a collections against me which has now affected my credit. I have NO collections & my credit score is nearly perfect. I haven't had anything go to collections in over 20 years. I have an account with XXXX, which I had to open after a security breach within the government. This collection was just filed & already hit my credit report. I have seen many other complaints about this company, so I know they are not legit. 
I have filed a dispute with the XXXX. Response is below : Complaint : XXXX I am rejecting this response because : I have never lived in New York. The bills that have been submitted in my name are to an address in NY. Obviously, since you can see ALL of my information, you would know that I have NEVER lived in another state. I will NOT pay this debt as it is not mine & never was. I don't know who has my information but I refuse to pay a XXXX XXXX  debt that was opened fraudulently. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Lexis Nexis Today I received the attached letter from Lexis Nexis from CFPB in reply to my 7 th complaint filed against Lexis Nexis both by US Mail and to the CFPB.. 

1.. This is the first time Lexis Nexis supplied me XXXX XXXX   and contact information. 

2.Lexis Nexis NEVER sent me the list of 71 Historic & Unverified Jugments & liens '' which today 's letter claims they did. 

3.This letter attached says Lexis Nexis supplied me a copy of my Accurint Report. This is false. They only supplied me a list of my home address ' for the past 30 years. ONLY. 
They have NEVER supplied me the list they sent to XXXX XXXX XXXX, XXXX law Firm or to XXXX XXXX XXXX. 
I am trying to have the list of liens and judgments corrected, DELETED and a corrected copy sent to me. 
I also need this support information to claim against XXXX XXXX for their relying on what was clearly bad information that forced me to disclose information on MY FINRA U-4 that was not accurate. 
XXXX XXXX billed my employer, XXXX XXXX XXXX {$5000.00} which was deducted from my paycheck in a month when {$5000.00} was my only income and it caused me a lot of financial difficulty. 
I expect to recover this {$5000.00} from XXXX XXXX.I will  add this email to my complaint at CFPB.

Company response to consumer: Closed with explanation